Updated October 12, 2026 · BorrowCue Editorial Team
Fidea vs Repagalia ES
Facts checked September 26, 2026.
Where Fidea and Repagalia ES differ
| Compare | Fidea ReviewVisitVisit |  Repagalia ES |
|---|---|---|
| Arrangement fee | 0 EUR | Service fee charged, mostly calculated as a percentage of the savings achieved and already included in the liquidation plan |
| Credit check | Hard | None |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Individuals and self-employed (autonomos) in Spain with debts causing economic difficulty, with or without declared defaults; the Second Opportunity route additionally requires proven insolvency |
| Loan types | Personal, Payday, Debt consolidationCovers more | Debt consolidation |
| APR | 0% to 212% | Not confirmed |
| Loan amount | €500 to €60,000 | Not confirmed |
| Term | 3 to 60 months | Not confirmed |
| Funding time | A few hours after approval | Not confirmed |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Broker), Credit needed (Poor).
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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.
Repagalia ES
Repagalia debt consolidation and legal cancellation covers reunification into a single monthly payment and insolvency routes without new borrowing. It is a broker that analyses each case, explains suitable alternatives through its calculator and team, and guides people struggling with multiple loans toward recovery.
Score breakdown
| Area | Fidea | Repagalia ES |
|---|---|---|
| Cost | 9.7Origination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | Not confirmed |
| Offer | 8.9 | 9.2Higher |
| Trust | 8.3 | 8.3 |
Choosing between them
Pick Fidea if loan types matter most.
Pick Repagalia ES if offer matter most.
Sources behind this comparison
Fidea
- fidea.es: 17 facts, checked September 26, 2026
Repagalia ES
- repagalia.com: 9 facts, checked September 26, 2026
How they place
| Ranking | Fidea | Repagalia ES |
|---|---|---|
| Loans for bad credit | 11 of 276 | 17 of 276 |
| Debt consolidation loans | 8 of 425 | 11 of 425 |
Every fact side by side
| Fact | Fidea | Repagalia ES |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OU (reg. 14563072) | REPAGALIA, S.L. |
| Headquarters | Estonia | Spain |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Fidea | Repagalia ES | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | Not confirmed | 8.99 |
| Loan amount | €500 to €60,000above the median | Not confirmed | €40,000 |
| Term | 3 to 60 monthsat the median | Not confirmed | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1007 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.
Repagalia ES
Pros
- Reunifies loans, cards and small credits into one monthly payment
- Offers legal cancellation route for proven insolvency cases
- Provides case analysis plus calculator previewing suitable alternatives
Cons
- Covers only reunification and cancellation, without new loan products
- Service centres on arrears and insolvency rather than standard borrowing
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.
Repagalia ES
Who it suits
- People managing several loans, cards or small credits
- People in insolvency seeking legal debt cancellation
- People refused financing due to payment problems
Who should look elsewhere
- People seeking new credit rather than debt reduction
Country by country
| Country | Fidea | Repagalia 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.
Repagalia ES
What does Repagalia do?+
Repagalia is a broker that analyses each case and proposes a suitable debt solution. It helps reduce balances through reunification or pursue legal discharge where insolvency allows. The purpose is to replace unmanageable payments with a structured path toward recovery.
Which debts can be brought together?+
The calculator accepts loans, cards and small credits to outline a saving plan. Those balances can be reunified into a single monthly payment that is easier to manage. The approach does not request additional borrowing as part of the reunification.