Updated September 28, 2026 · SumCue Editorial Team
Finteres vs Wannacash ES
Finteres
Higher score in this comparison
Wannacash ES
Where Finteres and Wannacash ES differ
| Compare | FinteresReviewVisitVisit | Wannacash ESReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €5,000Higher | €50 to €900 |
| Term | 3 to 4 monthsHigher | 1 month |
| Arrangement fee | 0 EUR | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Soft prequal | None |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | Money in the account in under 15 minutes after approval; usually same day as the application |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Payday, Debt consolidation, Car | Personal, Payday, Credit line, Business, Student, Car, Secured |
| APR | 0% to 36% | Not confirmed |
| Representative example | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Finteres scores higher overall: 8.9 vs 8.4.
- Loan amount is higher at Finteres: €100 to €5,000 vs €50 to €900.
- Term is higher at Finteres: 3 to 4 months vs 1 month.
- Support channels: only Finteres offers Help centre.
- Loan types: only Finteres offers Debt consolidation.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
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.
Wannacash ES
WannaCash is a Spanish broker for small, short-dated loans aimed at applicants with thin credit files, which suits a bill that lands before payday rather than a planned purchase. It charges applicants 0 EUR - WannaCash charges the applicant nothing, and balances sit inside €50 to €900 with the shortest term at 1.
Score breakdown
| Area | Finteres | Wannacash 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 | 8.8Higher | 8.4The offer pairs €50 to €900 with a 1 term and 0 EUR - WannaCash charges the applicant nothing charged to applicants. |
| Trust | 8.5 | 8.5 |
Ranges side by side
| Fact | Finteres | Wannacash ES |
|---|---|---|
| Loan amount | €100 to €5,000 | €50 to €900 |
If neither fits
Oney Prestamos has loan amount at €1,000 to €45,000, against €100 to €5,000 for Finteres and €50 to €900 for Wannacash ES.
Oney Prestamos reviewHow they place
| Ranking | Finteres | Wannacash ES |
|---|---|---|
| Loans | 32 of 2043 | 25 of 2043 |
| Personal loans | 26 of 1317 | 21 of 1317 |
| Payday and short-term loans | 13 of 233 | 8 of 233 |
Every fact side by side
| Fact | Finteres | Wannacash ES |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OÜ | 7eBiz International SL |
| Headquarters | Estonia | Spain |
| Support channels | Email, Phone, Help centreCovers more | Email, Phone |
Savings
| Fact | Finteres | Wannacash 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 | Wannacash ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | Not confirmed | 9.99 |
| Loan amount | €100 to €5,000below the median | €50 to €900lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 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
Wannacash ES
Pros
- Applicants pay 0 EUR - WannaCash charges the applicant nothing, so getting a quote costs nothing at the starting gate.
- The credit check is none and the credit bar is poor, so a thin file is the target rather than a reason to be turned away.
- Money reaches the account in minutes after approval, usually the same day, and same day funding is listed for the offer.
Cons
- Balances stop at €50 to €900, well below €12,000 to €300,000, so a larger consolidation is out of reach here.
- The shortest term is 1, so a payday style balance leaves little room if an instalment is missed.
- Support runs on email and phone only, so there is no live chat or counter to sort a stalled application.
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
Wannacash ES
Who it suits
- Residents of Spain with recurring income and a Spanish bank account, since eligibility asks for both and needs no payroll or guarantor.
- Borrowers with a thin credit file, since the credit bar is poor and the credit check is none.
- People covering a gap until payday, because money usually lands the same day the application goes in and €50 to €900 keeps the balance modest.
Who should look elsewhere
- Anyone after a large euro loan: Sofkredit offers €12,000 to €300,000 and Creduma ES starts at from €12,000, both well beyond €50 to €900.
- Borrowers outside Spain, who cannot meet the residency and Spanish bank account rules; Cashspace's PHP 500 to PHP 25,000 sits in another currency and market.
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
Wannacash ES
Current offer
Bonus
First quick loan free of interest and fees: 0% interest and no fees on the first loan
Offer run by the partner lenders selected by Wannacash; complete the application form, not obliged to accept
Source, checked September 26, 2026
Country by country
| Country | Finteres | Wannacash 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.
Wannacash ES
What does it cost me to apply?+
WannaCash charges applicants 0 EUR - WannaCash charges the applicant nothing. The cost that matters is the interest the lending partner puts on the balance you draw, and it moves with the offer you are matched to. Because the brand works as a broker, the rate you sign is the partner's rate, so read the partner's terms before you accept a quote.
How fast does the money arrive?+
Money is in the account in minutes after approval, usually the same day as the application, and same day funding is listed for the offer. Speed is the strongest part of this package. It suits a cost that has already arrived rather than a planned purchase that could wait for a cheaper rate elsewhere.