Updated September 29, 2026 · BorrowCue Editorial Team
Fidea vs Prestamiau
Where Fidea and Prestamiau differ
| Compare | Fidea ReviewVisitVisit |  Prestamiau |
|---|---|---|
| APR | 0% to 212% | MX$0 to MX$36 |
| Loan amount | €500 to €60,000 | MX$100 to MX$20,000 |
| Term | 3 to 60 monthsHigher | 3 to 4 months |
| Arrangement fee | 0 EUR | 0 MXN |
| Funding time | A few hours after approval | Loan obtained in 5 minutes; full process under 30 minutes |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | 1,000 MXN at 95 days: cost 0 MXN, total to repay 1,000 MXN, CAT 0% |
| Lender type | Broker | Marketplace |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | 18 or older, resident of Mexico, own bank account, valid INE/IFE, stable income, phone and email |
| Loan types | Personal, Payday, Debt consolidationCovers more | Personal, Debt consolidation |
| Credit check | Hard | Not confirmed |
Same on both: Origination fee (%) (0%), Credit needed (Poor), Use cases (Home improvement).
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Key differences
- Fidea scores higher overall: 8.9 vs 8.7.
- Prestamiau is available in 1 more country.
- Term is higher at Fidea: 3 to 60 months vs 3 to 4 months.
- Support channels: only Fidea offers Phone, Help centre.
- 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
Prestamiau suits borrowers in Mexico who need a small personal or debt consolidation loan released quickly and can live with a very short repayment window. Its case rests on cost and speed: an origination fee of 0 MXN and funding where Loan obtained in 5 minutes; full process under 30 minutes.
Score breakdown
| Area | Fidea | Prestamiau |
|---|---|---|
| Cost | 9.7Origination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 9.7The origination fee is 0 MXN and the fee percentage is 0%, and the representative example shows the total repayable matching the sum borrowed. |
| Offer | 8.9Higher | 8.2 |
| Trust | 8.3Higher | 8.1 |
How they place
| Ranking | Fidea | Prestamiau |
|---|---|---|
| Personal loans | 18 of 1932 | 4 of 1932 |
| Loans for bad credit | 11 of 275 | 5 of 275 |
| Debt consolidation loans | 8 of 425 | 4 of 425 |
| Home improvement loans | 8 of 562 | 4 of 562 |
From lowest to highest
| Fact | Fidea | Prestamiau |
|---|---|---|
| Term | 3 to 60 months | 3 to 4 months |
Every fact side by side
| Fact | Fidea | Prestamiau |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU (reg. 14563072) | Fininity OÜ |
| Headquarters | Estonia | Estonia |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Fidea | Prestamiau | Median |
|---|---|---|---|
| Term | 3 to 60 monthsat the median | 3 to 4 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.
Prestamiau
Pros
- The origination fee is 0 MXN and the fee percentage is 0%, so the cost of taking out a personal or debt consolidation loan is low on paper.
- Funding is quick, with Loan obtained in 5 minutes; full process under 30 minutes, and same-day funding is listed as a feature.
- The rate is MXN 0 to MXN 36 against a site median of 12%, and the brand holds position 1 of 350 on rate.
Cons
- Repayment sits in 3 to 4, so the cost of the credit lands in a very short window.
- Support runs on email only, so a question about a repayment date waits on an email reply.
- The lender kind is marketplace, so the rate and amount you receive depend on the offers available when you apply rather than on a single named lender.
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
Who it suits
- Adults resident in Mexico with their own bank account, a valid INE/IFE and a stable income, who need money quickly rather than a large sum.
- Borrowers with a thin credit file, since the credit needed is poor.
- People consolidating debt or covering a home improvement job, since the loan types are personal and debt consolidation and the listed use is home improvement.
Who should look elsewhere
- Anyone wanting a long repayment schedule: the term is 3 to 4, and Monzo Flex is the comparison for lending spread over a longer window.
- Borrowers who want to raise a query by phone or in a live chat: support runs on email only.
- Anyone after a large loan: the amount available runs MXN 100 to MXN 20,000 and the brand sits at 676 of 685 on amount.
Current offers
Prestamiau
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% cost on the first loan (0 MXN)
New users only; representative example 1,000 MXN over 95 days, cost 0 MXN, total to repay 1,000 MXN, CAT 0%
Source, checked September 26, 2026
Country by country
| Country | Fidea | Prestamiau |
|---|---|---|
| Mexico | No | Yes |
| 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
What does a Prestamiau loan cost?+
The APR is MXN 0 to MXN 36 and the origination fee is 0 MXN, with a fee percentage of 0%. The representative example shows the total repayable equal to the amount borrowed, so nothing is added in the example. Read that alongside the repayment window, because a short schedule keeps the overall cost small.
How long does it take to get the money?+
Funding is fast: Loan obtained in 5 minutes; full process under 30 minutes, and same-day funding is listed as a feature. You need your own bank account for the payout, so the money goes straight to an account you already hold. That makes it practical for an urgent bill rather than a planned purchase.