Updated October 17, 2026 · SumCue Editorial Team
Wandoo ES vs Youmoney
Wandoo ES
Higher score in this comparison
Youmoney
Where Wandoo ES and Youmoney differ
| Compare | Wandoo ESReviewVisitVisit | YoumoneyReviewVisitVisit |
|---|---|---|
| APR | 4,530.48% to 8,385.16% | 25.28% to 72.19%Lower |
| Loan amount | €50 to €1,800 | PLN 100 to PLN 10,000 |
| Term | 7 to 35 monthsHigher | 24 months |
| Arrangement fee | 0.00 EUR (no opening or study commission) | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | 24-48 hours after approval, depending on the bank | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| 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 | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| Rate type | Variable | Fixed |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Eligibility | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Origination fee (%) | 0%Lower | 33.76% |
| Loan types | Payday, Personal | Personal, Payday, Debt consolidationCovers more |
| Credit needed | Fair | Poor |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard).
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 ES scores higher overall: 8.8 vs 8.6.
- Founded is lower at Wandoo ES: 2017 vs 2022.
- Youmoney is available in 2 more countries.
- APR is lower at Youmoney: 25.28% to 72.19% vs 4,530.48% to 8,385.16%.
- Free early repayment: only Youmoney.
- Origination fee (%) is lower at Wandoo ES: 0% vs 33.76%.
- Term is higher at Wandoo ES: 7 to 35 months vs 24 months.
- Support channels: only Youmoney offers Chat.
- Loan types: only Youmoney offers Debt consolidation.
Our verdict on each
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.
Youmoney
Youmoney is a Polish loan broker built for people with a thin credit file who need money the same day. It suits borrowers who accept a hard credit check and a high cost, since its APR of 25.28% to 72.19% sits far above the personal loan median of 14.43%. Early repayment carries no charge.
Score breakdown
| Area | Wandoo ES | Youmoney |
|---|---|---|
| Cost | Not confirmed | 8.6APR of 25.28% to 72.19% against a personal loan median of 14.43%, with an origination charge of 33.76% on the instalment example. |
| Offer | 9.5Higher | 9.2A broker covering personal, payday and debt consolidation, with fixed-rate lending, same-day funding and a 24 term on offer. |
| Trust | 8.3 | 8.3 |
Ranges side by side
| Fact | Wandoo ES | Youmoney |
|---|---|---|
| APR | 4,530.48% to 8,385.16% | 25.28% to 72.19% |
What each covers
| Loan types | Wandoo ES | Youmoney |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | No | Yes |
How they place
| Ranking | Wandoo ES | Youmoney |
|---|---|---|
| Loans | 30 of 2043 | 36 of 2043 |
| Personal loans | 24 of 1317 | 30 of 1317 |
| Payday and short-term loans | 11 of 233 | 15 of 233 |
Every fact side by side
| Fact | Wandoo ES | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | WANDOO FINANCE, S.L.U. | Findao sp. z o.o. |
| Headquarters | Spain | Poland |
| Founded | 2017Lower | 2022 |
| Support channels | Email, Phone, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Wandoo ES | Youmoney | Median |
|---|---|---|---|
| APR | 4,530.48% to 8,385.16%highest quarter | 25.28% to 72.19%highest quarter | 9.99 |
| Term | 7 to 35 monthsbelow the median | 24 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | 33.76%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
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.
Youmoney
Pros
- Any income source counts, from employment and self-employment to pension, allowance and alimony, so applicants are not tied to one form of earnings.
- Lenders release money in minutes with the quickest of them, usually within hours and at worst by the end of the next business day.
- Early repayment costs nothing, so a borrower who can clear the balance early pays less interest.
Cons
- The instalment example carries an origination charge of 33.76% of the amount borrowed, a cost that sits in the price from the first instalment.
- APR runs 25.28% to 72.19%, well above the personal loan median of 14.43% and the payday median of 36.5%.
- Applications run a hard credit check, so a declined application can be recorded on the credit file.
Who each suits
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
Youmoney
Who it suits
- Polish residents with a bank account and a Polish ID who need cash quickly rather than a low rate
- Borrowers whose income is a pension, allowance or alimony as well as a salary
- People with a poor credit file, because poor means the market accepts thin credit histories
Who should look elsewhere
- Anyone wanting a long cheap loan, since 24 is the only term on offer and 25.28% to 72.19% is high
- Borrowers who want a soft pre-application check rather than the hard credit check listed under hard
- Households that need to borrow a large sum, because PLN 100 to PLN 10,000 is the ceiling
Current offers
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
Youmoney
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Wandoo ES | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| Spain | Yes | Yes |
Questions about each
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.
Youmoney
What APR will I pay on a Youmoney loan?+
APR runs 25.28% to 72.19% across the products offered. For context, the median APR on our personal loan data is 14.43%, so the difference is large. The instalment example sits well above that median as well.
What does Youmoney charge for arranging a loan?+
The instalment-loan representative example includes a commission of 33.76% of the amount borrowed, charged alongside the interest. On top of that sits the interest itself, at a fixed rate across a term of 24. The total repayable is what matters, not the rate alone.