Updated September 28, 2026 · BorrowCue Editorial Team
Fidea vs Ibancar Prestamos
What sets them apart
| Compare | Fidea ReviewVisitVisit |  Ibancar Prestamos |
|---|---|---|
| APR | 0% to 212%Lower | 12.74% to 13.01% |
| Loan amount | €500 to €60,000Higher | €600 to €8,000 |
| Term | 3 to 60 months | 12 to 60 months |
| Funding time | A few hours after approval | Same day, up to 24 hours |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR |
| Lender type | Broker | Direct lender |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted |
| Loan types | Personal, Payday, Debt consolidation | Personal, Car, Secured |
| Arrangement fee | 0 EUR | Not confirmed |
| Credit check | Hard | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit needed (Poor).
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Key differences
- Ibancar Prestamos scores higher overall: 9.0 vs 8.9.
- APR is lower at Fidea: 0% to 212% vs 12.74% to 13.01%.
- Loan amount is higher at Fidea: €500 to €60,000 vs €600 to €8,000.
- Loan types: only Fidea offers Payday, Debt consolidation.
- Loan types: only Ibancar Prestamos offers Car, 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.
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
Score breakdown
| Area | Fidea | Ibancar Prestamos |
|---|---|---|
| Cost | 9.7HigherOrigination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 8.7 |
| Offer | 8.9 | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. |
| Trust | 8.3 | 9.2Higher |
Ranges side by side
| Fact | Fidea | Ibancar Prestamos |
|---|---|---|
| APR | 0% to 212% | 12.74% to 13.01% |
| Loan amount | €500 to €60,000 | €600 to €8,000 |
| Term | 3 to 60 months | 12 to 60 months |
Where each is licensed and available
Available in 1 country for both.
How they place
| Ranking | Fidea | Ibancar Prestamos |
|---|---|---|
| Personal loans | 18 of 1932 | 15 of 1932 |
| Loans for bad credit | 11 of 275 | 10 of 275 |
Every fact side by side
| Fact | Fidea | Ibancar Prestamos |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU (reg. 14563072) | Ibancar World SL |
| Headquarters | Estonia | Spain |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Fidea | Ibancar Prestamos | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 12.74% to 13.01%above the median | 8.99 |
| Loan amount | €500 to €60,000above the median | €600 to €8,000below the median | €40,000 |
| Term | 3 to 60 monthsat the median | 12 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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.
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
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.
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender instead
Country by country
| Country | Fidea | Ibancar Prestamos |
|---|---|---|
| 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.
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.