Updated September 28, 2026 · BorrowCue Editorial Team
Fidea MX vs Lendo.no
Fidea MX vs Lendo.no: the differences
| Compare | Fidea MX ReviewVisitVisit |  Lendo.no |
|---|---|---|
| APR | 0% to 3.752%Lower | 9.45% to 17.77% |
| Loan amount | MX$1,000 to MX$150,000 | NOK 10,000 to NOK 600,000 |
| Term | 3 to 60 months | 12 to 180 monthsHigher |
| Arrangement fee | 0 MXN, Fidea charges nothing for using its service | 0 NOK |
| Funding time | Same day or next business day after approval | Bank pays the money out after approval; banks can take up to 24 hours to answer and documentation takes 1-3 business days |
| 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% | 140,000 NOK over 5 years at 13.44% effective rate, cost 49,412 NOK, total 189,412 NOK |
| Lender type | Broker | Marketplace |
| Eligibility | Mexican nationals aged 18 to 65 with a CURP, a Mexican bank account in their own name and a minimum income | Age 18-75; minimum income 120,000 NOK gross per year (not daily pay or stipend); no registered payment remarks or collection cases; own email address and a Norwegian phone number; non-Norwegian citizens need a Norwegian national identity number and at least 3 years of residence in Norway |
| Loan types | Personal | Personal, Debt consolidation, Credit line, Car, SecuredCovers more |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Free early repayment (Yes).
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Key differences
- Lendo.no scores higher overall: 8.9 vs 8.8.
- APR is lower at Fidea MX: 0% to 3.752% vs 9.45% to 17.77%.
- Term is higher at Lendo.no: 12 to 180 months vs 3 to 60 months.
- Support channels: only Lendo.no offers Chat.
- Features: only Fidea MX offers Same day funding.
- Features: only Lendo.no offers Credit line.
- Loan types: only Lendo.no offers Debt consolidation, Credit line, 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.
Lendo.no
Lendo is a Norwegian loan marketplace that suits borrowers who would rather see offers from several banks than apply to a single lender. Personal loans run NOK 10,000 to NOK 600,000 at effective rates of 9.45% to 17.77%, with the origination fee at 0 NOK and free early repayment.
Score breakdown
| Area | Fidea MX | Lendo.no |
|---|---|---|
| Cost | 9.5Higher | 9.1 |
| Offer | 8.7 | 9.4HigherMarketplace lending spreads offers across banks, with personal loan rates of 9.45% to 17.77% and an origination fee of 0 NOK. |
| Trust | 8.3 | 8.4Higher |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Fidea MX
0 to 588.96
0 to 588.96
Lendo.no
1,523.45 to 2,973.36
1,523.45 to 2,973.36
Fidea MX comes out 1,523.45 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.
What each covers
| Loan types | Fidea MX | Lendo.no |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
How they place
| Ranking | Fidea MX | Lendo.no |
|---|---|---|
| Personal loans | 37 of 1920 | 810 of 1920 |
Every fact side by side
| Fact | Fidea MX | Lendo.no |
|---|---|---|
| Features | Same day funding | Credit line |
| Legal entity | Finceptiv OU | Lendo AS (org. nr. 997 523 814) |
| Headquarters | Estonia | Norway |
| Founded | Not confirmed | 2012 |
| Support channels | Email, Phone, Help centre | Phone, Email, Chat, Help centreCovers more |
Mortgages
| Fact | Fidea MX | Lendo.no |
|---|---|---|
| Initial rate | Not confirmed | 4.89% to 5.84% |
| APRC | Not confirmed | 5.37% |
| Fixed period | Not confirmed | 25 years |
| Maximum loan to value | Not confirmed | 90% |
| Product fee | Not confirmed | NOK 0 |
| Purpose | Not confirmed | Remortgage |
Where each stands against the rest
| Fact | Fidea MX | Lendo.no | Median |
|---|---|---|---|
| APR | 0% to 3.752%lowest quarter | 9.45% to 17.77%above the median | 8.99 |
| Term | 3 to 60 monthsat the median | 12 to 180 monthshighest quarter | 60 |
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.
Lendo.no
Pros
- As a marketplace it places bank offers behind a single application, spanning personal, debt consolidation, credit line, car and secured loans (personal, debt consolidation and credit line).
- Fees of 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment costs nothing extra.
- Remortgage offers carry an initial rate of 4.89% to 5.84%, an APRC of 5.37% and borrowing up to 90% of property value.
Cons
- Applicants must clear registered payment remarks and collection cases, plus a minimum income, an own email address and a Norwegian phone number.
- Credit checks are hard (hard), so a full search runs rather than a soft prequalification.
- Payout waits on the bank for an answer and a documentation check, so plan for a waiting period.
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.
Lendo.no
Who it suits
- Norwegian borrowers with a registered income and a clean payment record who want bank offers side by side.
- People consolidating debts or paying for home improvement, which is a listed use (home improvement).
- Homeowners remortgaging, where offers start at an initial rate of 4.89% to 5.84%.
Who should look elsewhere
- Readers who want a single lender rather than a bank marketplace: Monzo Flex quotes 10% to 23%.
- Borrowers settled on a higher rate profile: Cashspace lists PHP 12 to PHP 36.
Country by country
| Country | Fidea MX | Lendo.no |
|---|---|---|
| Mexico | Yes | No |
| Norway | 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.
Lendo.no
What fees does Lendo charge?+
The arrangement fees sit at 0 NOK on the consumer loan and NOK 0 on the remortgage, and early repayment is free. The interest rate comes from the bank that answers your application, with personal loan rates running 9.45% to 17.77%.
Who regulates Lendo?+
Lendo acts as a marketplace, so it introduces you to banks and the lending contract is with the bank, not with Lendo. Its Norwegian licence sits with Finanstilsynet, and consumer loan rates run 9.45% to 17.77%. The published representative example shows what borrowing costs once interest is added to the amount taken.