Updated September 28, 2026 · SumCue Editorial Team
Wannacash ES vs Youmoney ES
Wannacash ES
Youmoney ES
Higher score in this comparison
Where Wannacash ES and Youmoney ES differ
| Compare | Wannacash ESReviewVisitVisit | Youmoney ESReviewVisitVisit |
|---|---|---|
| Loan amount | €50 to €900 | €50 to €1,000Higher |
| Term | 1 month | 0.23 to 36 monthsHigher |
| Arrangement fee | 0 EUR - WannaCash charges the applicant nothing | 0 EUR |
| Credit check | None | Hard |
| Funding time | Money in the account in under 15 minutes after approval; usually same day as the application | 15 minutes to 24 hours |
| Eligibility | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more | Personal, Payday, Secured |
| APR | Not confirmed | 0% to 349% |
| Representative example | Not confirmed | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Rate type | Not confirmed | Variable |
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 ES scores higher overall: 9.0 vs 8.4.
- Loan amount is higher at Youmoney ES: €50 to €1,000 vs €50 to €900.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 1 month.
- Support channels: only Wannacash ES offers Phone.
- Support channels: only Youmoney ES offers Chat, Help centre.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
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 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 | Wannacash ES | Youmoney ES |
|---|---|---|
| Cost | Not confirmed | 9.9 |
| Offer | 8.4The offer pairs €50 to €900 with a 1 term and 0 EUR - WannaCash charges the applicant nothing charged to applicants. | 8.6HigherAPR runs 0% to 349% on a variable rate, the origination fee is 0 EUR, and the example cost is steep. |
| Trust | 8.5 | 8.5 |
Feature by feature
| Loan types | Wannacash ES | Youmoney ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Credit line | Yes | No |
| Secured | Yes | Yes |
| Car | Yes | No |
| Business | Yes | No |
| Student | Yes | No |
Availability and regulation
Available in 1 country for both.
How they place
| Ranking | Wannacash ES | Youmoney ES |
|---|---|---|
| Loans | 25 of 2043 | 35 of 2043 |
| Personal loans | 21 of 1317 | 29 of 1317 |
| Payday and short-term loans | 8 of 233 | 14 of 233 |
Every fact side by side
| Fact | Wannacash ES | Youmoney ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | 7eBiz International SL | Findao Sp. z o.o. |
| Headquarters | Spain | Poland |
| Support channels | Email, Phone | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Wannacash ES | Youmoney ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 349%lowest quarter | 9.99 |
| Loan amount | €50 to €900lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 1 monthlowest quarter | 0.23 to 36 monthsbelow the median | 60 months |
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 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
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 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
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 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 | Wannacash ES | Youmoney ES |
|---|---|---|
| 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 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.