Updated September 28, 2026 · BorrowCue Editorial Team
Fidea vs Wandoo
What sets them apart
| Compare | Fidea ReviewVisitVisit |  Wandoo |
|---|---|---|
| APR | 0% to 212%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €500 to €60,000Higher | €50 to €1,800 |
| Term | 3 to 60 monthsHigher | 7 to 35 months |
| Arrangement fee | 0 EUR | 0.00 EUR (no opening or study commission) |
| Funding time | A few hours after approval | 24-48 hours after approval, depending on the bank |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Lender type | Broker | Direct lender |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Personal, Payday, Debt consolidationCovers more | Payday, Personal |
| Credit needed | Poor | Fair |
| Rate type | Not confirmed | Variable |
| Free early repayment | Not confirmed | No |
Same on both: Credit check (Hard), Origination fee (%) (0%), Use cases (Home improvement).
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Key differences
- Fidea scores higher overall: 8.9 vs 8.7.
- APR is lower at Fidea: 0% to 212% vs 4,530.48% to 8,385.16%.
- Loan amount is higher at Fidea: €500 to €60,000 vs €50 to €1,800.
- Term is higher at Fidea: 3 to 60 months vs 7 to 35 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.
Wandoo
Wandoo suits borrowers in Spain who want a small, short loan with no opening or study commission. The catch is the rate: an APR of 4,530.48% to 8,385.16% sits well above the personal loan median of 12.25%, and early repayment carries a charge.
Score breakdown
| Area | Fidea | Wandoo |
|---|---|---|
| Cost | 9.7HigherOrigination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 8.6Origination fee of 0.00 EUR (no opening or study commission) and no free early repayment, against an APR of 4,530.48% to 8,385.16%. |
| Offer | 8.9Higher | 8.8 |
| Trust | 8.3 | 8.8Higher |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Fidea
0 to 1,663.6
0 to 1,663.6
Wandoo
44,804.8 to 83,351.6
44,804.8 to 83,351.6
Fidea comes out 44,804.8 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
From lowest to highest
| Fact | Fidea | Wandoo |
|---|---|---|
| APR | 0% to 212% | 4,530.48% to 8,385.16% |
| Loan amount | €500 to €60,000 | €50 to €1,800 |
| Term | 3 to 60 months | 7 to 35 months |
Pick Fidea if, pick Wandoo if
Pick Fidea if cost, apr, loan amount, and term matter most.
Pick Wandoo if trust matter most.
Sources behind this comparison
Fidea
- fidea.es: 17 facts, checked September 26, 2026
Wandoo
- wandoo.es: 19 facts, checked September 26, 2026
How they place
| Ranking | Fidea | Wandoo |
|---|---|---|
| Personal loans | 18 of 1932 | 26 of 1932 |
| Payday and short-term loans | 6 of 246 | 11 of 246 |
| Loans for bad credit | 11 of 275 | 15 of 275 |
| Home improvement loans | 8 of 562 | 12 of 562 |
Every fact side by side
| Fact | Fidea | Wandoo |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OU (reg. 14563072) | Wandoo Finance S.L.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2017 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Fidea | Wandoo | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 8.99 |
| Loan amount | €500 to €60,000above the median | €50 to €1,800lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 7 to 35 monthsbelow the median | 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.
Wandoo
Pros
- No opening or study commission, with an origination fee of 0.00 EUR (no opening or study commission) on the payday and personal loans.
- Repayment follows the income cycle: €50 to €1,800 over 7 to 35, which suits a bill that clears next month rather than a multi year plan.
- Fixed monthly cost from a direct lender, direct lender, so the terms sit with one counterparty instead of a broker chain.
Cons
- The APR of 4,530.48% to 8,385.16% is far above the payday loan median of 36.5%, and the top of the range reaches 4,530.48% to 8,385.16%.
- Free early repayment is no, so clearing the loan early still carries a charge.
- The amount ceiling of €50 to €1,800 is small next to the home improvement median of €1,000, so a large renovation needs another 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.
Wandoo
Who it suits
- Adults resident in Spain with a valid DNI/NIE, a Spanish bank account and verifiable regular income.
- Borrowers covering a short term expense, home improvement is the stated use.
- People whose credit file stands at a fair level and who can handle a hard credit check.
Who should look elsewhere
- Anyone planning to settle the loan early, since free early repayment is no.
- Borrowers needing a long repayment period, as 7 to 35 is short.
- Readers comparing against Monzo Flex, where an APR of 10% to 23% sits far below 4,530.48% to 8,385.16%.
Current offers
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
Source, checked September 26, 2026
Country by country
| Country | Fidea | Wandoo |
|---|---|---|
| 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.
Wandoo
What does a Wandoo loan cost?+
The published APR is 4,530.48% to 8,385.16% and the rate is variable. There is no opening or study commission, the origination fee being 0.00 EUR (no opening or study commission), so the interest rate does most of the work in setting what you repay. The representative example shows the annual cost clearly once the short term is taken into account.
Are there arrangement or opening fees?+
The origination fee is 0.00 EUR (no opening or study commission), and there is no opening or study commission on the payday or personal loans. Interest on the amount borrowed is the main cost, and the rate is variable, so it can move with the reference rate.