Updated September 28, 2026 · BorrowCue Editorial Team
Fidea vs Prestamiau ES
Fidea vs Prestamiau ES: the differences
| Compare | Fidea ReviewVisitVisit |  Prestamiau ES |
|---|---|---|
| APR | 0% to 212% | 0% to 36% |
| Loan amount | €500 to €60,000Higher | €100 to €5,000 |
| Term | 3 to 60 monthsHigher | 3 to 6 months |
| Funding time | A few hours after approval | 5 minutes |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | 300 EUR loan repaid over 95 days: costs 0 EUR, total repayable 300 EUR, TAE 0% |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Over 18, resident in Spain, own bank account, valid DNI/NIE, stable income, phone and email |
| Loan types | Personal, Payday, Debt consolidationCovers more | Personal, Debt consolidation |
| Credit check | Hard | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Arrangement fee (0 EUR), Lender type (Broker), Credit needed (Poor), Use cases (Home improvement).
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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 3 to 6 months.
- Support channels: only Fidea offers Phone.
- Loan types: only Fidea offers Payday.
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.
Prestamiau ES
Prestamiau ES suits Spanish residents with a thin credit file who need a small sum quickly. The arrangement fee is 0 EUR and funding lands in 5 minutes, so the headline cost is nil, but a broker sits between you and the lender.
Score breakdown
| Area | Fidea | Prestamiau ES |
|---|---|---|
| Cost | 9.7Origination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 9.9Higher |
| Offer | 8.9Higher | 8.5APR 0% to 36% on a broker arrangement with 0 EUR and a representative example that adds no costs. |
| Trust | 8.3 | 8.3 |
How they place
| Ranking | Fidea | Prestamiau ES |
|---|---|---|
| Personal loans | 18 of 1932 | 3 of 1932 |
| Loans for bad credit | 11 of 275 | 4 of 275 |
| Debt consolidation loans | 8 of 425 | 3 of 425 |
| Home improvement loans | 8 of 562 | 3 of 562 |
Where each is licensed and available
Available in 1 country for both.
What we checked
Fidea
- fidea.es: 17 facts, checked September 26, 2026
Prestamiau ES
- prestamiau.es: 15 facts, checked September 26, 2026
Every fact side by side
| Fact | Fidea | Prestamiau ES |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU (reg. 14563072) | Fininity OU |
| Headquarters | Estonia | Estonia |
| Support channels | Phone, Email, Help centreCovers more | Email, Help centre |
Where each stands against the rest
| Fact | Fidea | Prestamiau ES | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 36%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 | 3 to 6 monthslowest quarter | 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.
Prestamiau ES
Pros
- No arrangement fee, so the cost of 0 EUR means the example loan adds nothing to arrange.
- APR of 0% to 36% covers a wide spread, so the rate you are offered depends on what the matched lender charges.
- Funding in 5 minutes suits a bill that cannot wait.
Cons
- Support runs on email and help centre alone, so live spoken help is not among the listed channels.
- A broker model means the lender sits behind the brand, so the Fininity OU decision is one step removed.
- Terms run 3 to 6, well short of the 36 median across the comparison.
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.
Prestamiau ES
Who it suits
- Spanish residents with a poor credit profile who need money the same day
- Adults consolidating several smaller debts into 3 to 6 repayments
- Borrowers who prioritise a nil arrangement fee over a lower rate
Who should look elsewhere
- Anyone who needs live spoken help, since email and help centre covers email and a help centre only
- Borrowers seeking longer terms, as 3 to 6 caps repayments quickly
- Large purchases, with €100 to €5,000 far below the €876.96 median
Country by country
| Country | Fidea | Prestamiau ES |
|---|---|---|
| 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.
Prestamiau ES
How long does Prestamiau ES take to pay out the money?+
Funding takes 5 minutes from an approved application, and same day funding is listed among the features. That is well ahead of a lender that pays out on a set schedule. Combined with a €100 to €5,000 limit, it suits a bill that needs covering straight away.
What does borrowing from Prestamiau ES cost?+
The rate is quoted as 0% to 36%, so the figure you pay depends on the lender you are matched with. The arrangement fee is 0 EUR, and the representative example shows a loan with no costs added. Compare that top end with the 12% median.