Updated September 28, 2026 · SumCue Editorial Team
Wannacash ES vs Youmoney
Wannacash ES
Youmoney
Higher score in this comparison
Wannacash ES vs Youmoney: the differences
| Compare | Wannacash ESReviewVisitVisit | YoumoneyReviewVisitVisit |
|---|---|---|
| Loan amount | €50 to €900 | PLN 100 to PLN 10,000 |
| Term | 1 month | 24 monthsHigher |
| Arrangement fee | 0 EUR - WannaCash charges the applicant nothing | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Credit check | None | Hard |
| Funding time | Money in the account in under 15 minutes after approval; usually same day as the application | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Eligibility | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required | 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) |
| Loan types | Personal, Payday, Credit line, Business, Student, Car, Secured | Personal, Payday, Debt consolidation |
| APR | Not confirmed | 25.28% to 72.19% |
| Representative example | Not confirmed | 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 | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 33.76% |
Same on both: Lender type (Broker), Credit needed (Poor).
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 scores higher overall: 8.6 vs 8.4.
- Youmoney is available in 2 more countries.
- Term is higher at Youmoney: 24 months vs 1 month.
- Support channels: only Youmoney offers Chat, Help centre.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
- Loan types: only Youmoney offers Debt consolidation.
Our verdict on each
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.
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 | Wannacash 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 | 8.4The offer pairs €50 to €900 with a 1 term and 0 EUR - WannaCash charges the applicant nothing charged to applicants. | 9.2HigherA broker covering personal, payday and debt consolidation, with fixed-rate lending, same-day funding and a 24 term on offer. |
| Trust | 8.5Higher | 8.3 |
Positions in our rankings
| Ranking | Wannacash ES | Youmoney |
|---|---|---|
| Loans | 25 of 2043 | 36 of 2043 |
| Personal loans | 21 of 1317 | 30 of 1317 |
| Payday and short-term loans | 8 of 233 | 15 of 233 |
What each covers
| Loan types | Wannacash ES | Youmoney |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | No |
| Secured | Yes | No |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
Also worth a look
myKredit has term at 30 months, against 1 month for Wannacash ES and 24 months for Youmoney.
myKredit reviewWhat we checked
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
Youmoney
- youmoney.pl: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Wannacash ES | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | 7eBiz International SL | Findao sp. z o.o. |
| Headquarters | Spain | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Email, Phone | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Wannacash ES | Youmoney | Median |
|---|---|---|---|
| APR | Not confirmed | 25.28% to 72.19%highest quarter | 9.99 |
| Term | 1 monthlowest quarter | 24 monthsbelow the median | 60 months |
| Origination fee (%) | Not confirmed | 33.76%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
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.
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
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.
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
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
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 | Wannacash ES | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| Spain | Yes | Yes |
Questions about each
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.
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.