Updated September 28, 2026 · SumCue Editorial Team
Wandoo vs Wannacash ES
Wandoo
Higher score in this comparison
Wannacash ES
Where Wandoo and Wannacash ES differ
| Compare | WandooReviewVisitVisit | Wannacash ESReviewVisitVisit |
|---|---|---|
| Loan amount | €50 to €1,800Higher | €50 to €900 |
| Term | 7 to 35 monthsHigher | 1 month |
| Arrangement fee | 0.00 EUR (no opening or study commission) | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| Funding time | 24-48 hours after approval, depending on the bank | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| Eligibility | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Payday, Personal | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| Credit needed | Fair | Poor |
| APR | 4,530.48% to 8,385.16% | Not confirmed |
| Representative example | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Wandoo scores higher overall: 8.8 vs 8.4.
- Loan amount is higher at Wandoo: €50 to €1,800 vs €50 to €900.
- Term is higher at Wandoo: 7 to 35 months vs 1 month.
- Support channels: only Wandoo offers Help centre.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
Our verdict on each
Wandoo
Wandoo is a Spanish direct lender for small personal and payday loans, with an arrangement fee of 0.00 EUR (no opening or study commission) and an APR of 4,530.48% to 8,385.16%. It suits borrowers with verifiable regular income in Spain funding a home improvement, though early repayment is not free.
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 | Wandoo | Wannacash ES |
|---|---|---|
| Cost | 8.6Arrangement fee of 0.00 EUR (no opening or study commission) with APR of 4,530.48% to 8,385.16% at the cheap end of payday lending. | Not confirmed |
| Offer | 8.9Higher | 8.4The offer pairs €50 to €900 with a 1 term and 0 EUR - WannaCash charges the applicant nothing charged to applicants. |
| Trust | 8.9Higher | 8.5 |
Availability and regulation
Available in 1 country for both.
How they place
| Ranking | Wandoo | Wannacash ES |
|---|---|---|
| Loans | 31 of 2043 | 25 of 2043 |
| Personal loans | 25 of 1317 | 21 of 1317 |
| Payday and short-term loans | 12 of 233 | 8 of 233 |
Every fact side by side
| Fact | Wandoo | Wannacash ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Wandoo Finance S.L.U. | 7eBiz International SL |
| Headquarters | Spain | Spain |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Phone, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Wandoo | Wannacash ES | Median |
|---|---|---|---|
| APR | 4,530.48% to 8,385.16%highest quarter | Not confirmed | 9.99 |
| Loan amount | €50 to €1,800lowest quarter | €50 to €900lowest quarter | €40,000 |
| Term | 7 to 35 monthsbelow the median | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 0% |
Median across 1096 listed providers.
Pros and cons
Wandoo
Pros
- The arrangement fee is 0.00 EUR (no opening or study commission), so nothing sits on top of the interest at the point of borrowing.
- The quoted APR of 4,530.48% to 8,385.16% sits well below the payday median of 36.5% in the same category.
- The provider is a direct lender, so the borrower deals with the lender itself and not a broker.
Cons
- Free early repayment is not offered, so paying off the loan ahead of schedule does not save money.
- Pricing is variable, so the interest is not locked for the whole life of the loan.
- The check is hard and the credit needed is fair, so a thin credit history counts against a repeat application.
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
Wandoo
Who it suits
- Borrowers with verifiable regular income paid into a bank account at a Spanish entity who can show a valid DNI/NIE.
- People funding a single home improvement, the stated use of the payday and personal loans on offer.
- Applicants who can clear the balance inside a 7 to 35 term.
Who should look elsewhere
- Anyone living outside Spain, since eligibility asks for a bank account at a Spanish entity and residence in the country.
- Borrowers who want to settle early and keep the saving, since free early repayment is not offered.
- Anyone needing more than €50 to €1,800, where Creduma ES carries an amount of from €12,000 instead.
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
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
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 | Wandoo | Wannacash ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Wandoo
What does it cost to borrow from Wandoo?+
The arrangement fee is 0.00 EUR (no opening or study commission), with no opening or study commission, so the interest rate is the whole charge. Wandoo quotes an APR of 4,530.48% to 8,385.16% on its short loans. Compare that with the representative example before accepting, because the rate rises sharply once a small sum is carried longer.
What does a Wandoo loan look like on the representative example?+
The published example lends a small sum over a term of about a month, and the total repayable comes out well above the amount borrowed, with interest a large share of the bill. Read it as a bridging cost for a single job, since the rate is variable and the balance shrinks slowly.
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.