Updated September 28, 2026 · BorrowCue Editorial Team
Fidea vs Fiesta Credito
Fidea vs Fiesta Credito: the differences
| Compare | Fidea ReviewVisitVisit |  Fiesta Credito |
|---|---|---|
| APR | 0% to 212% | 0% to 317% |
| Loan amount | €500 to €60,000Higher | €100 to €5,000 |
| Term | 3 to 60 monthsHigher | 2 to 3 months |
| Credit check | Hard | Soft prequal |
| Funding time | A few hours after approval | Under 15 minutes |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | EUR 300 over 66 days: loan cost EUR 45.26, total repayable EUR 345.25, TAE 203.72% |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Aged 18 to 80, legal resident in Spain, Spanish bank account with IBAN, valid DNI or NIE, Spanish mobile number |
| Loan types | Personal, Payday, Debt consolidationCovers more | Personal, Payday |
Same on both: Arrangement fee (0 EUR), Lender type (Broker), Origination fee (%) (0%), Credit needed (Poor), 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
- 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.
- Loan types: only Fidea offers Debt consolidation.
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
Fiesta Credito suits adults in Spain who need a modest short-term loan in a hurry and have an imperfect credit file, thanks to a soft prequalification check and funding in Under 15 minutes. The trade-off is cost: the annual rate runs 0% to 317% and the cost score is 7.3.
Score breakdown
| Area | Fidea | Fiesta Credito |
|---|---|---|
| Cost | 9.7Origination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 9.7The arrangement fee is 0 EUR and the percentage charge is 0%, but the rate is the weight in the balance. |
| Offer | 8.9Higher | 8.7 |
| Trust | 8.3Higher | 8.2 |
Feature by feature
| Loan types | Fidea | Fiesta Credito |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Use cases | Fidea | Fiesta Credito |
|---|---|---|
| Home improvement | Yes | Yes |
Where they rank in our lists
| Ranking | Fidea | Fiesta Credito |
|---|---|---|
| Personal loans | 18 of 1932 | 35 of 1932 |
| Payday and short-term loans | 6 of 246 | 16 of 246 |
| Loans for bad credit | 11 of 275 | 22 of 275 |
| Home improvement loans | 8 of 562 | 14 of 562 |
Where each is licensed and available
Available in 1 country for both.
Every fact side by side
| Fact | Fidea | Fiesta Credito |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU (reg. 14563072) | Finceptiv OU |
| Headquarters | Estonia | Estonia |
| Founded | Not confirmed | 2020 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Fidea | Fiesta Credito | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 317%lowest quarter | 8.99 |
| Loan amount | €500 to €60,000above the median | €100 to €5,000lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 2 to 3 monthslowest quarter | 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
Pros
- Speed is the product: same-day funding in Under 15 minutes suits a bill that cannot wait.
- The check is a soft prequalification (soft prequal), a gentler first look than a hard enquiry, and the target is poor credit files.
- The sums are contained, €100 to €5,000, so the exposure if the month goes wrong is smaller than on a large personal loan.
Cons
- The annual rate is the price of that speed, and 0% to 317% sits well above the 12% figure typical of lenders listed here.
- The term is 2 to 3, so the balance returns faster than most personal loans and there is little room to stretch a payment.
- It is a broker rather than the lender, so the rate and fees you sign are the ones on the lender's offer.
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
Who it suits
- Adults in Spain who hold a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, and need a small sum covered in Under 15 minutes.
- Borrowers with poor credit whose file would struggle with a hard enquiry, since the initial look is a soft prequalification.
- People who can clear a bridging cost, such as an urgent repair, from the next payment rather than from savings.
Who should look elsewhere
- Anyone after a long, cheaper personal loan: 2 to 3 is a brief repayment window, and Monzo Flex at 10% to 23% suits borrowing repaid over years.
- Borrowers chasing the lowest rate, because 0% to 317% is the cost of the speed and Cashspace at PHP 12 to PHP 36 is worth checking on price.
- Anyone without a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, since eligibility asks for all three.
Current offers
Fiesta Credito
Current offer
First period offer
First 3000 EUR with no commission, repayable over 60 months: 3000 EUR, 0 EUR commission
Source, checked September 26, 2026
First period offer
First loan up to 300 EUR at 0% interest: 0% interest on first loan up to 300 EUR
New customers; repayable in a period of up to 90 days
Source, checked September 26, 2026
Country by country
| Country | Fidea | Fiesta Credito |
|---|---|---|
| Spain | Yes | Yes |
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
How much can I borrow, and for how long?+
Loans run €100 to €5,000 and repayments are scheduled over 2 to 3, so the balance returns quickly and the interest has little time to build. Among the 685 brands on this site ranked for loan amount, Fiesta Credito sits at 527. It suits a gap between a payment and the next, not a project that needs spreading over years.
What does it cost to borrow?+
The annual rate is 0% to 317%, and the arrangement charge is 0 EUR. The representative example makes the split visible, with the cost of borrowing taking a clear share of the total repayable over a short term. Because the rate is the weight in the balance, comparing rates across lenders matters more here than skipping a fee.