Updated September 28, 2026 · SumCue Editorial Team
Wandoo vs Youmoney ES
Wandoo
Youmoney ES
Higher score in this comparison
Wandoo vs Youmoney ES: the differences
| Compare | WandooReviewVisitVisit | Youmoney ESReviewVisitVisit |
|---|---|---|
| APR | 4,530.48% to 8,385.16% | 0% to 349%Lower |
| Loan amount | €50 to €1,800Higher | €50 to €1,000 |
| Term | 7 to 35 months | 0.23 to 36 monthsHigher |
| Arrangement fee | 0.00 EUR (no opening or study commission) | 0 EUR |
| Funding time | 24-48 hours after approval, depending on the bank | 15 minutes to 24 hours |
| 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 | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| 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 | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Payday, Personal | Personal, Payday, SecuredCovers more |
| Credit needed | Fair | Poor |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Rate type (Variable).
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
- Youmoney ES scores higher overall: 9.0 vs 8.8.
- APR is lower at Youmoney ES: 0% to 349% vs 4,530.48% to 8,385.16%.
- Loan amount is higher at Wandoo: €50 to €1,800 vs €50 to €1,000.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 7 to 35 months.
- Support channels: only Wandoo offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Loan types: only Youmoney ES offers Secured.
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.
Youmoney ES
Youmoney ES suits Spanish adults with a weak credit file who need a small sum the same day and accept matching through a broker rather than a named lender. It scores 2 out of ten on offer quality, and the cost on a short loan leaves room for cheaper rates.
Score breakdown
| Area | Wandoo | Youmoney 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. | 9.9Higher |
| Offer | 8.9Higher | 8.6APR runs 0% to 349% on a variable rate, the origination fee is 0 EUR, and the example cost is steep. |
| Trust | 8.9Higher | 8.5 |
Positions in our rankings
| Ranking | Wandoo | Youmoney ES |
|---|---|---|
| Loans | 31 of 2043 | 35 of 2043 |
| Personal loans | 25 of 1317 | 29 of 1317 |
| Payday and short-term loans | 12 of 233 | 14 of 233 |
Sources behind this comparison
Wandoo
- wandoo.es: 19 facts, checked September 26, 2026
Youmoney ES
- youmoney.es: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Wandoo | Youmoney ES |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Wandoo Finance S.L.U. | Findao Sp. z o.o. |
| Headquarters | Spain | Poland |
| Founded | 2017 | Not confirmed |
| Support channels | Email, Phone, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Wandoo | Youmoney ES | Median |
|---|---|---|---|
| APR | 4,530.48% to 8,385.16%highest quarter | 0% to 349%lowest quarter | 9.99 |
| Loan amount | €50 to €1,800lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 7 to 35 monthsbelow the median | 0.23 to 36 monthsbelow the median | 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.
Youmoney ES
Pros
- The origination fee is 0 EUR, so the borrowed amount is what reaches the account with nothing added on top.
- Funding runs 15 minutes to 24 hours, and same day funding is listed, which suits a bill with a fixed date attached.
- The credit profile asked for is poor, so a weaker file is the target here rather than a barrier.
Cons
- The representative example shows a short loan costing a large share of the sum borrowed, and the headline 0% to 349% range does not describe that.
- The credit check is hard and the credit profile asked for is poor, so a thin file is judged on a full search rather than a soft one.
- It is a broker, so the lender behind any matched offer is not named at the point of 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.
Youmoney ES
Who it suits
- Spanish residents holding a DNI or NIE, a Spanish bank account and a phone number who need a small sum quickly.
- Borrowers with a weaker credit file, since the profile asked for is poor and the check is hard.
- People comfortable with variable pricing and a broker match rather than naming their lender.
Who should look elsewhere
- Borrowers who want a named lender to hold to a contract should look past a broker match, and note that Creduma ES lists amounts as from €12,000 for a very different size of need.
- Price sensitive shoppers should compare first, because Sofkredit lists 10.74% to 18.06% against the 0% to 349% range here.
- Readers shopping outside Spain should skip this comparison, as Cashspace lists PHP 12 to PHP 36 in a different 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
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Wandoo | Youmoney 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.
Youmoney ES
What will a loan from Youmoney ES cost me?+
The origination fee is 0 EUR, so nothing is added to the amount you borrow. The annual percentage rate runs 0% to 349% and the rate type is variable, so the figure can move over the life of the loan. The representative example shows a small loan over a short term costing a large share of the principal, and that is the number to budget around.
Are rates like these normal for small short loans?+
Across the loans on this comparison site the retail loss share runs 70.15% at the midpoint, with 40.3% to 88% across the full spread. Loss shares at that level point to a market where missed repayments are common, so the example cost on a short term loan deserves a proper budget before you sign.