Updated September 28, 2026 · BorrowCue Editorial Team
Fidea MX vs Finteres
Where Fidea MX and Finteres differ
| Compare | Fidea MX ReviewVisitVisit |  Finteres |
|---|---|---|
| APR | 0% to 3.752% | 0% to 36% |
| Loan amount | MX$1,000 to MX$150,000 | €100 to €5,000 |
| Term | 3 to 60 monthsHigher | 3 to 4 months |
| Arrangement fee | 0 MXN, Fidea charges nothing for using its service | 0 EUR |
| Credit check | Hard | Soft prequal |
| Funding time | Same day or next business day after approval | Immediate transfer on approval, maximum 24-48 hours in exceptional cases |
| Representative example | Borrow 10,000 MXN at a 12% annual rate over 6 months: monthly payment 1,732.98, total repayment 10,397.88, total CAT 12.001% | Loan of 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 0% |
| Eligibility | Mexican nationals aged 18 to 65 with a CURP, a Mexican bank account in their own name and a minimum income | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit |
| Loan types | Personal | Personal, Payday, Debt consolidation, CarCovers more |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Lender type (Broker), Free early repayment (Yes), Credit needed (Poor).
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Key differences
- Term is higher at Fidea MX: 3 to 60 months vs 3 to 4 months.
- Loan types: only Finteres offers Payday, Debt consolidation, Car.
Our verdict on each
Fidea MX
Fidea MX suits Mexican borrowers who want a personal loan paid out fast and no fee for using the service, with rates running 0% to 3.752%. The trade-off is that broker sits between you and the lender, and the credit check is hard.
Finteres
Finteres is a broker for small, short loans, and it suits residents with a thin credit file who need money as soon as an application is approved.
Score breakdown
| Area | Fidea MX | Finteres |
|---|---|---|
| Cost | 9.5 | 9.5Arrangement fee of 0 EUR and free early repayment, with a representative example showing a short loan repaid at no added cost. |
| Offer | 8.7 | 8.7 |
| Trust | 8.3 | 8.3 |
Positions in our rankings
| Ranking | Fidea MX | Finteres |
|---|---|---|
| Personal loans | 37 of 1920 | 27 of 1920 |
| Loans for bad credit | 24 of 276 | 16 of 276 |
Licences and countries
Additional countries for Fidea MX: 1. Additional countries for Finteres: 1.
Where these facts come from
Fidea MX
- fidea.mx: 16 facts, checked September 26, 2026
Finteres
- finteres.es: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Fidea MX | Finteres |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Fininity OÜ |
| Headquarters | Estonia | Estonia |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Fidea MX | Finteres | Median |
|---|---|---|---|
| APR | 0% to 3.752%lowest quarter | 0% to 36%lowest quarter | 8.99 |
| Term | 3 to 60 monthsat the median | 3 to 4 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
Fidea MX
Pros
- There is no charge for using the service: 0 MXN, Fidea charges nothing for using its service.
- Rates are low across the board, with 0% to 3.752% covering the whole range, and the published representative example keeps the total cost close to the annual rate quoted.
- Amounts of MXN 1,000 to MXN 150,000 over terms of 3 to 60 give plenty of room on both size and length.
Cons
- Fidea acts as broker, so the lender, the rate and the contract all sit behind the application, and brokers are 20.6% of the brands tracked here against 72.1% that lend directly.
- The credit check is a hard one and the offer is aimed at poor credit, so a weak file is the target rather than an exception.
- Borrowing stops at MXN 1,000 to MXN 150,000, so a larger need such as a debt consolidation balance sits above the ceiling.
Finteres
Pros
- No arrangement fee to budget for: the origination fee is 0 EUR, and the representative example shows a short loan repaid with nothing added to the amount borrowed.
- Free early repayment, so clearing the balance before the agreed date costs no more than sticking to the schedule.
- The credit check is soft prequal, a soft prequalification step that 20.4% of the brands on the site use, against 72.7% on a hard search.
Cons
- Terms run only 3 to 4, far shorter than the 48 typical of personal loans on the site, so a large balance has to clear in a short window.
- Finteres works as a broker, so 0% to 36% is a range it works across rather than a rate you are handed, and the lender sets the terms you sign.
- The largest loan sits at the top of €100 to €5,000, well short of the €653,159.33 recorded for the biggest personal loans on the site.
Who each suits
Fidea MX
Who it suits
- Mexican borrowers with a thin credit file who want a small personal loan released quickly rather than a large balance.
- Borrowers who want no fee for using the service and who plan to clear the balance early.
- People who would rather deal with a single market and a single application than compare lenders themselves.
Who should look elsewhere
- Borrowers who want to judge a lender's own rate before applying: Monzo Flex shows 10% to 23% and Cashspace shows PHP 12 to PHP 36, while Fidea passes the rate through as a broker.
- Applicants outside Mexico, since eligibility is for Mexican nationals with a CURP and a Mexican bank account in their own name, so nothing here extends to other markets. Cashspace and Monzo Flex are the alternatives in their own markets.
Finteres
Who it suits
- Adults legally resident in Spain who hold a Spanish bank account in their own name, have stable income and carry a valid DNI or residence permit.
- Borrowers with a poor credit file, since Finteres works with thin credit rather than requiring a top file.
- People who need cash the same day and expect to clear it early, given immediate transfers on approval and free early repayment.
Who should look elsewhere
- Anyone who wants to spread a balance over years, since terms stop at 3 to 4 against a 48 elsewhere; Monzo Flex at 10% to 23% is worth a look for a different shape.
- Borrowers needing a larger sum than the top of €100 to €5,000, which sits well below the €653,159.33 seen on the site; Cashspace at PHP 12 to PHP 36 is another short-term option to check.
- Applicants who need the rate fixed in advance, since 0% to 36% is a range a broker works with; Cashspace ES at 0% gives a single point of comparison instead.
Current offers
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Fidea MX | Finteres |
|---|---|---|
| Mexico | Yes | No |
| Spain | No | Yes |
Questions about each
Fidea MX
What rate will I pay on a Fidea MX personal loan?+
A Fidea MX personal loan runs at 0% to 3.752%, and the rate offered comes from the lender your application reaches rather than from the brand. The published representative example fixes a monthly payment and a total repayment for a set period, so the cost is interest rather than charges. Compare the range with other lenders before you sign.
Is there an arrangement or origination fee?+
The fee for using Fidea MX is 0 MXN, Fidea charges nothing for using its service, so nothing is added for the application or the introduction and the only cost on a personal loan is the interest set by the lender. Free early repayment means settling the balance sooner does not add a fee either.
Finteres
What does a Finteres loan cost?+
Finteres quotes an APR of 0% to 36% across the loans it brokers, and the arrangement fee is 0 EUR. The representative example is the plainest guide: a short loan repaid with no added cost, so the total repayable matches the amount advanced. A soft prequalification check, soft prequal, is the only credit step named.
Is Finteres a lender or a broker?+
Finteres is a broker, not a direct lender. An application is passed to a lender and the loan contract sits with that lender, while Finteres publishes the range it works across, 0% to 36%. The rate you end up with is confirmed by the lender, not fixed by the broker.
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