Updated September 28, 2026 · BorrowCue Editorial Team
Fidea vs Fiesta Credito MX
Where Fidea and Fiesta Credito MX differ
| Compare | Fidea ReviewVisitVisit |  Fiesta Credito MX |
|---|---|---|
| APR | 0% to 212% | 0% to 3.752% |
| Loan amount | €500 to €60,000 | MX$1,000 to MX$150,000 |
| Term | 3 to 60 monthsHigher | 1 to 36 months |
| Arrangement fee | 0 EUR | 0 MXN |
| Credit check | Hard | Soft prequal |
| Funding time | A few hours after approval | Deposited directly in your bank account in under 24 hours |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | Personal loan of 10,000 MXN at a 12% annual rate over 6 months: monthly payment 1,732.98 MXN, total repayment 10,397.88 MXN, total CAT 12.001% |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Ages 18 to 80, resident of Mexico, CURP, national bank account, email address and mobile number |
| Loan types | Personal, Payday, Debt consolidation | Personal, Payday, Secured |
Same on both: Lender type (Broker), Origination fee (%) (0%), Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Term is higher at Fidea: 3 to 60 months vs 1 to 36 months.
- Loan types: only Fidea offers Debt consolidation.
- Loan types: only Fiesta Credito MX offers Secured.
Our verdict on each
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.
Fiesta Credito MX
Fiesta Credito MX suits Mexican adults with a national bank account who want a small personal, payday or secured loan priced without an origination fee. Its 0% to 3.752% sits below the 12% most brands charge, though the 1 to 36 cap keeps large balances costly to clear.
Score breakdown
| Area | Fidea | Fiesta Credito MX |
|---|---|---|
| Cost | 9.7Origination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 9.7Fees are 0 MXN with a percentage fee of 0%, and borrowing is priced at 0% to 3.752%. |
| Offer | 8.9Higher | 8.5 |
| Trust | 8.3 | 8.3 |
Where each is licensed and available
Additional countries for Fidea: 1. Additional countries for Fiesta Credito MX: 1.
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Fidea
0 to 53,782.46
0 to 53,782.46
Fiesta Credito MX
0 to 588.96
0 to 588.96
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.
How they place
| Ranking | Fidea | Fiesta Credito MX |
|---|---|---|
| Personal loans | 18 of 1932 | 36 of 1932 |
| Payday and short-term loans | 6 of 246 | 17 of 246 |
| Loans for bad credit | 11 of 275 | 23 of 275 |
| Home improvement loans | 8 of 562 | 15 of 562 |
Every fact side by side
| Fact | Fidea | Fiesta Credito MX |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU (reg. 14563072) | Finceptiv OÜ |
| Headquarters | Estonia | Estonia |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Fidea | Fiesta Credito MX | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 3.752%lowest quarter | 8.99 |
| Term | 3 to 60 monthsat the median | 1 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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.
Fiesta Credito MX
Pros
- The origination fee is 0 MXN and the percentage fee is 0%, so the cost of setting up a loan is nothing.
- APR runs 0% to 3.752%, below the 12% across the site, which keeps the headline cost of a loan competitive.
- The credit check is a soft prequal search, so checking your rate does not carry the same weight as a hard search.
Cons
- Fiesta Credito MX is a broker, so a lender you never name is the one holding the loan and setting the final terms.
- The term runs 1 to 36, far shorter than the 60 typical of secured lending, so a large balance is expensive to clear.
- The credit needed is poor, and the bad credit market here runs a 19.98% APR against the 0% to 3.752% quoted here.
Who each suits
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.
Fiesta Credito MX
Who it suits
- Adults living in Mexico with a CURP and a national bank account who need a personal or payday loan.
- Borrowers with poor credit who want a soft prequal check rather than a hard one before they apply.
- People funding home improvement work, the single stated use case on the home improvement list.
Who should look elsewhere
- Anyone wanting a long fixed term: the 1 to 36 window ends well short of the 60 seen across personal loan brands.
- Borrowers who want to know exactly who lends to them, because Fiesta Credito MX works as a broker.
- Readers priced off a flat rate, since Monzo Flex quotes 10% to 23% where Fiesta Credito MX runs its 0% to 3.752% at the bottom of the range.
Country by country
| Country | Fidea | Fiesta Credito MX |
|---|---|---|
| Mexico | No | Yes |
| Spain | Yes | No |
Questions about each
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.
Fiesta Credito MX
What does a Fiesta Credito MX loan cost?+
There is no origination charge: the origination fee is 0 MXN and the percentage fee is 0%. Borrowing itself is priced at 0% to 3.752%, and the site-wide figure is 12%. A representative example is published for a personal loan, showing the annual rate, a fixed monthly payment and the total amount repaid.
How much can I borrow and for how long?+
Amounts run MXN 1,000 to MXN 150,000, so the range suits a household bill or a repair rather than a major project. The term is 1 to 36, which is short by the standards of this market. Personal, payday and secured loans are all available, and home improvement is the use case the brand highlights.