Updated September 28, 2026 · BorrowCue Editorial Team
Credityes ES vs Fidea
Where Credityes ES and Fidea differ
| Compare |  Credityes ES | Fidea ReviewVisitVisit |
|---|---|---|
| APR | 0% to 36% | 0% to 212% |
| Loan amount | €100 to €5,000 | €500 to €60,000Higher |
| Term | 2 to 36 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 0 EUR |
| Funding time | Money in a few minutes after a positive decision | A few hours after approval |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email |
| Loan types | Personal, Payday | Personal, Payday, Debt consolidationCovers more |
| Credit check | Not confirmed | Hard |
| Credit needed | Not confirmed | Poor |
Same on both: Lender type (Broker), Origination fee (%) (0%), Use cases (Home improvement).
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 8.8.
- 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 36 months.
- Support channels: only Fidea offers Phone, Help centre.
- Loan types: only Fidea offers Debt consolidation.
Our verdict on each
Credityes ES
Credityes ES suits borrowers in Spain who want a personal or payday loan with no arrangement fee and money in minutes of a decision, with rates of 0% to 36% set by the match. The trade-off is a modest ceiling of €100 to €5,000 and a broker model, so the lender sets the final rate.
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 | Credityes ES | Fidea |
|---|---|---|
| Cost | 9.7Arrangement fee is free for the customer, the origination charge of 0% is nil, and interest runs 0% to 36% on both loan types. | 9.7Origination 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 |
What each covers
| Loan types | Credityes ES | Fidea |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | No | Yes |
| Use cases | Credityes ES | Fidea |
|---|---|---|
| Home improvement | Yes | Yes |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes ES
0 to 3,244.68
0 to 3,244.68
Fidea
0 to 26,891.23
0 to 26,891.23
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Availability and regulation
Available in 1 country for both.
If neither fits
Sofkredit has loan amount at €12,000 to €300,000, against €100 to €5,000 for Credityes ES and €500 to €60,000 for Fidea.
Sofkredit reviewHow they place
| Ranking | Credityes ES | Fidea |
|---|---|---|
| Personal loans | 9 of 1932 | 18 of 1932 |
| Payday and short-term loans | 1 of 246 | 6 of 246 |
| Home improvement loans | 6 of 562 | 8 of 562 |
Every fact side by side
| Fact | Credityes ES | Fidea |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | SIA DoAff | Finceptiv OU (reg. 14563072) |
| Headquarters | Latvia | Estonia |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | 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 36 monthsbelow the median | 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
Credityes ES
Pros
- The arrangement fee is free for the customer, because no commission is charged for selecting the loan, so nothing is added for putting it together.
- Rates of 0% to 36% start lower than Monzo Flex, which publishes a band of 10% to 23%.
- The representative example shows the total repayable equal to the amount borrowed, so the cheapest match costs nothing to carry.
Cons
- As a broker, Credityes ES leaves the final rate to the partner lender, so the published 0% to 36% is a starting point rather than an offer.
- Borrowing tops out at €100 to €5,000, well below the largest personal loan recorded on the site, €653,159.33.
- Support runs on email only, so a payment problem waits on a written reply instead of a phone line.
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
Credityes ES
Who it suits
- Borrowers living in Spain who need a personal or payday loan and want nothing added for the arrangement, provided they hold a bank account in their own name.
- Anyone covering a home improvement, since home improvement is listed among the uses.
- Cost-first readers who look at the total repayable before anything else, because the representative example shows nothing added to the amount borrowed.
Who should look elsewhere
- Not for a major renovation, where the ceiling of €100 to €5,000 falls well short of the largest personal loans on the site, €653,159.33, so a larger lender such as Monzo Flex is the fairer place to look.
- Not for a long repayment, because terms of 2 to 36 end well before the longest personal loans in the ranking, 480, so a longer provider is worth comparing first.
- Not for shoppers who want several rate bands side by side, since Cashspace sets out PHP 12 to PHP 36 while this service publishes a single range of 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
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | Fidea |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credityes ES
Is there an arrangement fee or commission at Credityes ES?+
No. The arrangement fee is free for the customer, because the service charges no commission for selecting the loan, and the origination charge of 0% does not add to what you repay. What you see on an offer is interest set by the partner lender inside the published band of 0% to 36%.
What rate will I actually pay?+
The service publishes rates of 0% to 36% for personal and payday borrowing, and as a broker it sets a band rather than a single figure. The rate on your offer comes from the partner lender you are matched with. The representative example shows the cheapest end of that range, where the total repayable equals the amount borrowed.
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.