Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Fidea
Where Andacredito and Fidea differ
| Compare |  Andacredito | Fidea ReviewVisitVisit |
|---|---|---|
| APR | 0% to 36% | 0% to 212% |
| Loan amount | €100 to €5,000 | €500 to €60,000Higher |
| Term | 2 to 3 months | 3 to 60 monthsHigher |
| Funding time | 10 minutes | A few hours after approval |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday, Debt consolidation |
| Credit check | Not confirmed | Hard |
| Rate type | Variable | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Arrangement fee (0 EUR), Lender type (Broker), Origination fee (%) (0%), 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.
Key differences
- Fidea scores higher overall: 8.9 vs 8.7.
- Loan amount is higher at Fidea: €500 to €60,000 vs €100 to €5,000.
- Term is higher at Fidea: 3 to 60 months vs 2 to 3 months.
- Support channels: only Fidea offers Phone, Help centre.
- Loan types: only Andacredito offers Car, Business, Student.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
Fidea
Fidea suits Spanish residents who want a fee-free personal, payday or debt consolidation loan funded within hours rather than the lowest possible rate. With an origination fee of 0 EUR and APR running 0% to 212%, it is a speed play for borrowers who can handle a hard credit check.
Score breakdown
| Area | Andacredito | Fidea |
|---|---|---|
| Cost | 9.5 | 9.7HigherOrigination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. |
| Offer | 8.3 | 8.9Higher |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Andacredito | Fidea |
|---|---|---|
| APR | 0% to 36% | 0% to 212% |
| Loan amount | €100 to €5,000 | €500 to €60,000 |
| Term | 2 to 3 months | 3 to 60 months |
Positions in our rankings
| Ranking | Andacredito | Fidea |
|---|---|---|
| Personal loans | 13 of 1932 | 18 of 1932 |
| Payday and short-term loans | 4 of 246 | 6 of 246 |
| Loans for bad credit | 9 of 275 | 11 of 275 |
| Debt consolidation loans | 5 of 425 | 8 of 425 |
Availability and regulation
Available in 1 country for both.
If neither fits
Sofkredit has term at 6 to 240 months, against 2 to 3 months for Andacredito and 3 to 60 months for Fidea.
Sofkredit reviewEvery fact side by side
| Fact | Andacredito | Fidea |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Fininity OU | Finceptiv OU (reg. 14563072) |
| Headquarters | Estonia | Estonia |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Fidea | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 212%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €500 to €60,000above the median | €40,000 |
| Term | 2 to 3 monthslowest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
Fidea
Pros
- No fee comes off the top: the origination fee is 0 EUR and the percentage fee is 0%.
- Funds move A few hours after approval, which is where Fidea outruns slower lenders.
- One application covers personal, payday and debt consolidation and amounts of €500 to €60,000 over terms of 3 to 60.
Cons
- APR runs 0% to 212%, and the representative example ends with a total repayable far above the amount borrowed on a modest sum.
- Applications use a hard credit check (hard), so a refusal is on file and cannot be quietly undone.
- Fidea is a broker, broker, which means the lender, the final rate and the contract terms are set elsewhere after you apply.
Who each suits
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
Fidea
Who it suits
- Residents of Spain holding a DNI or NIE with a Spanish bank account, a mobile number and an email.
- Borrowers with a thin credit file who can live with a hard credit check in exchange for A few hours after approval.
- Anyone planning a home project who wants the fee side of the deal to read 0 EUR.
Who should look elsewhere
- Rate hunters with a strong file: Monzo Flex shows 10% to 23%, far below the top of Fidea's range.
- Borrowers who want one named lender and stated terms up front, since Fidea is a broker and Monzo Flex lists its own range of 10% to 23%.
- Anyone comparing beyond a single market: Cashspace lists PHP 12 to PHP 36, quoted in a different currency for a different set of borrowers.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
Country by country
| Country | Andacredito | Fidea |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
Fidea
Does Fidea charge an arrangement or origination fee?+
No. The origination fee is 0 EUR and the percentage fee is 0%, so nothing is deducted before the loan is paid out. What you pay is interest, and the number to check is the representative example, which on a modest sum shows a total repayable well above the amount borrowed.
What APR will I actually pay?+
Fidea quotes APR of 0% to 212%, a wide spread that reflects the partner lender you are matched with rather than a single Fidea price. For context, the median across the personal loans compared here is 12.25%, so treat the lower end as the realistic target and the upper end as what a thin file can be charged.
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