Updated September 29, 2026 · BorrowCue Editorial Team
Creduma ES vs Fidea
Creduma ES vs Fidea: the differences
| Compare |  Creduma ES | Fidea ReviewVisitVisit |
|---|---|---|
| Loan amount | from €12,000 | €500 to €60,000 |
| Arrangement fee | 0 EUR upfront: no advance commissions and no initial payments, fees charged only if a real solution is obtained | 0 EUR |
| Credit check | Soft prequal | Hard |
| Funding time | Offer in under 24 hours; money in the account in 7 days after signing | A few hours after approval |
| Eligibility | Residents in Spain aged 18 or over who own a property used as collateral (aval hipotecario) | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email |
| Loan types | Secured, Debt consolidation | Personal, Payday, Debt consolidation |
| APR | Not confirmed | 0% to 212% |
| Term | Not confirmed | 3 to 60 months |
| Representative example | Not confirmed | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Broker), Credit needed (Poor).
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Key differences
- Fidea scores higher overall: 8.9 vs 8.7.
- Loan types: only Creduma ES offers Secured.
- Loan types: only Fidea offers Personal, Payday.
Our verdict on each
Creduma ES
Creduma suits adults living in Spain who own property to pledge as collateral and prefer broker guidance through secured borrowing. Loans sit at from €12,000 with a rapid initial offer followed by payout after a waiting period after signing for debt consolidation needs.
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 | Creduma ES | Fidea |
|---|---|---|
| Cost | Not confirmed | 9.7Origination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. |
| Offer | 9.1HigherOffer strength reflects secured debt consolidation scope at from €12,000 for remortgage and home equity | 8.9 |
| Trust | 8.4HigherTrust reflects brokerage under FINANSI GROUP, S.L. (CIF B66240672) based in ES | 8.3 |
Licences and countries
Available in 1 country for both.
From lowest to highest
| Fact | Creduma ES | Fidea |
|---|---|---|
| Loan amount | from €12,000 | €500 to €60,000 |
What each covers
| Loan types | Creduma ES | Fidea |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | Yes |
| Secured | Yes | No |
Where these facts come from
Creduma ES
- creduma.com: 8 facts, checked September 26, 2026
Fidea
- fidea.es: 17 facts, checked September 26, 2026
How they place
| Ranking | Creduma ES | Fidea |
|---|---|---|
| Loans for bad credit | 26 of 275 | 11 of 275 |
| Debt consolidation loans | 13 of 425 | 8 of 425 |
Every fact side by side
| Fact | Creduma ES | Fidea |
|---|---|---|
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | Finceptiv OU (reg. 14563072) |
| Headquarters | Not confirmed | Estonia |
| Support channels | Not confirmed | Phone, Email, Help centre |
Mortgages
| Fact | Creduma ES | Fidea |
|---|---|---|
| Product fee | €0 | Not confirmed |
| Purpose | Remortgage, Home equity | Not confirmed |
Where each stands against the rest
| Fact | Creduma ES | Fidea | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 212%lowest quarter | 8.99 |
| Loan amount | from €12,000below the median | €500 to €60,000above the median | €40,000 |
| Term | Not confirmed | 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
Creduma ES
Pros
- Free upfront handling through €0, with charges only where a solution is obtained
- Soft prequalification through soft prequal limits early credit footprint during comparison
- Access for poor credit profiles under poor where property equity supports the request
Cons
- Broker handling under broker adds an intermediary step compared with borrowing directly from Fidea
- Support runs on email and phone only, which limits choice for borrowers who prefer live chat help
- Loan scope stays within secured and debt consolidation, so unsecured borrowing is outside the model
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
Creduma ES
Who it suits
- Adults in Spain who own residential property and seek secured consolidation beyond the modest limits at AXI Card Tarjeta y Credito
- Borrowers with poor credit seeking broker help, where property backing may open options unavailable from Ibancar Prestamos
Who should look elsewhere
- Borrowers without property to pledge, where Fidea may offer more flexible unsecured routes
- Borrowers seeking small short term credit, where AXI Card Tarjeta y Credito lists loans of up to €1,500
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
Creduma ES
Current offer
Discount code
Free financial case study (estudio gratuito): 0 EUR, no upfront payment
Prequalification study with no commitment; fees are only charged if a real solution is obtained, with no advance commissions or initial payments
Source, checked September 26, 2026
Country by country
| Country | Creduma ES | Fidea |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Creduma ES
Is Creduma a direct lender?+
Creduma arranges secured loans and debt consolidation through partner lenders, acting as a broker rather than funding loans itself under broker. That means assessment and offer terms come from the funding partner, while Creduma guides the application and documentation.
Who can apply for Creduma?+
Applicants are adults resident in Spain who own property that can serve as mortgage collateral. Eligibility centres on property ownership and residence, which allows consideration of poor credit profiles under poor where income and equity support repayment.
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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