Updated September 29, 2026 · BorrowCue Editorial Team
Cashspace vs Fidea
Cashspace vs Fidea: the differences
| Compare |  Cashspace | Fidea ReviewVisitVisit |
|---|---|---|
| APR | ₱12 to ₱36 | 0% to 212% |
| Loan amount | ₱500 to ₱25,000 | €500 to €60,000 |
| Term | 2 to 4 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 | 0 EUR |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | A few hours after approval |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% |
| Eligibility | Applicants in the Philippines, valid ID required | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email |
| Loan types | Personal, Payday, Credit line | Personal, Payday, Debt consolidation |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Broker), Credit needed (Poor).
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Key differences
- Term is higher at Fidea: 3 to 60 months vs 2 to 4 months.
- Support channels: only Cashspace offers Community.
- Support channels: only Fidea offers Phone.
- Features: only Cashspace offers Credit line.
- Loan types: only Cashspace offers Credit line.
- Loan types: only Fidea offers Debt consolidation.
Our verdict on each
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
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 | Cashspace | Fidea |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 9.7Origination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. |
| Offer | 8.5 | 8.9Higher |
| Trust | 8.3 | 8.3 |
From lowest to highest
| Fact | Cashspace | Fidea |
|---|---|---|
| Term | 2 to 4 months | 3 to 60 months |
Also worth a look
Sofkredit has term at 6 to 240 months, against 2 to 4 months for Cashspace and 3 to 60 months for Fidea.
Sofkredit reviewHow they place
| Ranking | Cashspace | Fidea |
|---|---|---|
| Personal loans | 33 of 1932 | 18 of 1932 |
| Payday and short-term loans | 15 of 246 | 6 of 246 |
| Loans for bad credit | 20 of 275 | 11 of 275 |
Every fact side by side
| Fact | Cashspace | Fidea |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Fininity OU | Finceptiv OU (reg. 14563072) |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Help centre, Community | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Cashspace | Fidea | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Cashspace
Pros
- No origination fee, listed at 0 on personal, payday and credit line products.
- Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
- APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
Cons
- Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
- The credit check is hard, so an application puts a full search on the record.
- Support runs on email, help centre and community only, with no phone line or live chat listed.
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
Cashspace
Who it suits
- Philippine residents with a valid ID who hold a thin or damaged credit file
- Borrowers who can settle a small balance within the short 2 to 4 window
- Anyone who needs a same-day payment and accepts a hard credit check
Who should look elsewhere
- People who need a long repayment term, since 2 to 4 caps the loan short
- Anyone wanting phone support, given email, help centre and community lists none
- Borrowers who would rather deal with a single lender than a broker
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.
Country by country
| Country | Cashspace | Fidea |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Cashspace
What does Cashspace charge to take out a loan?+
Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.
How much can I borrow and how long do I have to repay?+
Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.
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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