Updated October 17, 2026 · SumCue Editorial Team
Finteres vs Wandoo ES
Finteres
Higher score in this comparison
Wandoo ES
What sets them apart
| Compare | FinteresReviewVisitVisit | Wandoo ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €100 to €5,000Higher | €50 to €1,800 |
| Term | 3 to 4 months | 7 to 35 monthsHigher |
| Arrangement fee | 0 EUR | 0.00 EUR (no opening or study commission) |
| Credit check | Soft prequal | Hard |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | 24-48 hours after approval, depending on the bank |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Personal, Payday, Debt consolidation, CarCovers more | Payday, Personal |
| Credit needed | Poor | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Variable), Origination fee (%) (0%).
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Key differences
- Finteres scores higher overall: 8.9 vs 8.8.
- APR is lower at Finteres: 0% to 36% vs 4,530.48% to 8,385.16%.
- Free early repayment: only Finteres.
- Loan amount is higher at Finteres: €100 to €5,000 vs €50 to €1,800.
- Term is higher at Wandoo ES: 7 to 35 months vs 3 to 4 months.
- Loan types: only Finteres offers Debt consolidation, Car.
Our verdict on each
Finteres
Finteres suits Spanish borrowers who want a broker to find them a small personal or payday loan without an arrangement fee. Its 0% to 36% starts well below the personal loan median of 14.43%, and the published representative example shows a borrowing with no costs added.
Wandoo ES
Wandoo provides online payday and personal loans for households in Spain that need small extra credit. It suits residents with Spanish identity documents who prefer a fully online application with secure identity verification and Spanish language assistance throughout the process with clear information.
Score breakdown
| Area | Finteres | Wandoo ES |
|---|---|---|
| Cost | 9.5Arrangement fee of 0 EUR and a monthly fee of €0, with an 0% to 36% range starting below the 14.43% median. | Not confirmed |
| Offer | 8.8 | 9.5Higher |
| Trust | 8.5Higher | 8.3 |
Which one suits you
Pick Finteres if apr, loan amount, and free early repayment matter most.
Pick Wandoo ES if offer and term matter most.
Ranges side by side
| Fact | Finteres | Wandoo ES |
|---|---|---|
| APR | 0% to 36% | 4,530.48% to 8,385.16% |
| Loan amount | €100 to €5,000 | €50 to €1,800 |
| Term | 3 to 4 months | 7 to 35 months |
Side by side, item by item
| Loan types | Finteres | Wandoo ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | No |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Finteres and 4,530.48% to 8,385.16% for Wandoo ES.
FINANZCHECK.de reviewHow they place
| Ranking | Finteres | Wandoo ES |
|---|---|---|
| Loans | 32 of 2043 | 30 of 2043 |
| Personal loans | 26 of 1317 | 24 of 1317 |
| Payday and short-term loans | 13 of 233 | 11 of 233 |
Every fact side by side
| Fact | Finteres | Wandoo ES |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Features | Same day funding | Not confirmed |
| Legal entity | Fininity OÜ | WANDOO FINANCE, S.L.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Savings
| Fact | Finteres | Wandoo ES |
|---|---|---|
| Headline rate | 0% to 36% | Not confirmed |
| Minimum deposit | €100 | Not confirmed |
| Access terms | Free online comparison and pre-application service, available 24 hours a day, 7 days a week, no branches or paperwork | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Fixed | Not confirmed |
Where each stands against the rest
| Fact | Finteres | Wandoo ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 9.99 |
| Loan amount | €100 to €5,000below the median | €50 to €1,800lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Finteres
Pros
- No arrangement fee, at 0 EUR, and a monthly fee of €0 on the account
- The 0% to 36% range starts below the personal loan median of 14.43%
- The comparison and pre-application service is free, open around the clock, with no branches and no paperwork
Cons
- As a broker it does not lend itself, so the rate you pay inside the 0% to 36% range depends on which partner approves you
- The 3 to 4 window is short, so spreading a debt over a longer term is not on offer
- Eligibility requires legal residence in Spain, a Spanish bank account in your own name, stable income and a valid DNI or residence permit
Wandoo ES
Pros
- Operates entirely online with encrypted identity checks that protect personal data.
- Operates in Spain since 2017 and reports more than a million loans granted.
- Belongs to a Spanish microloan association and follows an online trust code.
Cons
- Serves only residents in Spain, which limits availability across Europe.
- Works only online, so applicants cannot visit a branch in person.
- Covers only payday and personal loans for punctual needs.
Who each suits
Finteres
Who it suits
- Adults living in Spain who need a payday style loan within €100 to €5,000 to bridge a short gap
- Borrowers with thinner credit, since poor is the level the service is built around
- People who want free early repayment on a fixed rate fixed loan
Who should look elsewhere
- Anyone who needs a large sum, since the top of €100 to €5,000 sits well below the personal loan median of €559
- Borrowers who need a long repayment period, because 3 to 4 is short
- Readers who want a provider that names its own regulator and a deposit protection scheme, and would rather see Cashspace or Sofkredit
Wandoo ES
Who it suits
- Residents in Spain who prefer fully online applications
- Households seeking small credit for punctual needs
Who should look elsewhere
- People outside Spain or seeking in person service
- Borrowers wanting long term banking products
Current offers
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Wandoo ES
Current offer
Discount code
Tu primer prestamo o credito de 250-300 EUR a 0% TAE: 0% TAE
primer prestamo o credito de 250-300 EUR, sin demora en la devolucion; simulacion no vinculante
Source, checked September 26, 2026
Country by country
| Country | Finteres | Wandoo ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Finteres
What does Finteres charge for arranging a loan?+
The arrangement fee is 0 EUR with no percentage added on top, and the account itself carries a monthly fee of €0. Using the comparison and pre-application service is free. What you do pay is the interest on the loan itself, which sits inside the 0% to 36% range.
How much can I borrow, and for how long?+
The amount runs from €100 to €5,000, so it is aimed at a small shortfall or an unexpected bill rather than a large purchase. The term that comes with it is 3 to 4, which keeps the repayment schedule short. For a bigger sum, compare providers whose range starts higher.
Wandoo ES
What products does Wandoo provide?+
Wandoo provides online payday and personal loans for private needs. The request runs fully online and asks for identity details with email and phone contact. Identity passes through secure verification that keeps banking credentials with the authorised provider.
Where does Wandoo operate?+
Wandoo operates in Spain and directs its online loans to people who live there. The application asks for a Spanish identity document together with email and phone contact. Communication runs in Spanish and reflects membership of national microloan and online trust bodies.