Updated September 28, 2026 · BorrowCue Editorial Team
Fidea MX vs Sambla
Where Fidea MX and Sambla differ
| Compare | Fidea MX ReviewVisitVisit |  Sambla |
|---|---|---|
| APR | 0% to 3.752%Lower | 7.92% to 13.24% |
| Loan amount | MX$1,000 to MX$150,000 | SEK 5,000 to SEK 800,000 |
| Arrangement fee | 0 MXN, Fidea charges nothing for using its service | 0 SEK - free to apply and compare, lender pays Sambla |
| Funding time | Same day or next business day after approval | Usually 1-3 days from signing to payout |
| 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% | 160 000 SEK loan over 60 months: effective rate 7.39%, 3 215 SEK per month, credit cost 32 872 SEK, total 192 872 SEK |
| Eligibility | Mexican nationals aged 18 to 65 with a CURP, a Mexican bank account in their own name and a minimum income | 18+; registered resident in Sweden for at least 1 year; debt-free at Kronofogden for 6 months; monthly income at least 8,400 SEK |
| Loan types | Personal | Personal, Debt consolidation, Car, SecuredCovers more |
| Credit needed | Poor | Fair |
| Term | 3 to 60 months | Not confirmed |
| Rate type | Not confirmed | Variable |
| Free early repayment | Yes | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Broker).
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Key differences
- Sambla scores higher overall: 8.9 vs 8.8.
- APR is lower at Fidea MX: 0% to 3.752% vs 7.92% to 13.24%.
- Support channels: only Sambla offers Chat.
- Loan types: only Sambla offers Debt consolidation, Car, Secured.
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.
Sambla
Sambla is a Swedish loan broker that passes one application to several lenders and charges applicants nothing, so the applicant fee is 0 SEK - free to apply and compare, lender pays Sambla. It suits adults with fair credit, and its rates run 7.92% to 13.24% against a site median of 12%.
Score breakdown
| Area | Fidea MX | Sambla |
|---|---|---|
| Cost | 9.5Higher | 9.1 |
| Offer | 8.7 | 9.4HigherThe offer covers personal, debt consolidation and car lending from one application, priced at a variable rate. |
| Trust | 8.3 | 8.4Higher |
Side by side, item by item
| Loan types | Fidea MX | Sambla |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | No | Yes |
| Secured | No | Yes |
| Car | No | Yes |
From lowest to highest
| Fact | Fidea MX | Sambla |
|---|---|---|
| APR | 0% to 3.752% | 7.92% to 13.24% |
How they place
| Ranking | Fidea MX | Sambla |
|---|---|---|
| Personal loans | 37 of 1920 | 844 of 1920 |
| Loans for bad credit | 24 of 276 | 187 of 276 |
Which one suits you
Pick Fidea MX if cost and apr matter most.
Pick Sambla if offer and loan types matter most.
Every fact side by side
| Fact | Fidea MX | Sambla |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OU | Sambla Group AB |
| Headquarters | Estonia | Sweden |
| Founded | Not confirmed | 2014 |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Where each stands against the rest
| Fact | Fidea MX | Sambla | Median |
|---|---|---|---|
| APR | 0% to 3.752%lowest quarter | 7.92% to 13.24%below the median | 8.99 |
| Term | 3 to 60 monthsat the median | Not confirmed | 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.
Sambla
Pros
- Applying and comparing costs applicants nothing: 0 SEK - free to apply and compare, lender pays Sambla.
- Timing from signing to payout is Usually 1-3 days from signing to payout.
- Support runs on email, phone and help centre.
Cons
- The credit check is hard and the credit it needs is fair, so a thin file is turned down early.
- Pricing is variable, so a monthly amount set today can move after signing.
- Eligibility is narrow: an applicant must be an adult, resident in Sweden for a period, clear at Kronofogden for a period, and above a minimum monthly income.
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.
Sambla
Who it suits
- People with fair credit who want personal, consolidation, car and secured offers side by side.
- Home improvement projects, which Sambla names as a use case: home improvement.
- Anyone who wants to compare lenders first, since comparing is 0 SEK - free to apply and compare, lender pays Sambla.
Who should look elsewhere
- Monzo Flex, whose 10% to 23% ceiling is higher than Sambla's 7.92% to 13.24%.
- Cashspace, whose PHP 12 to PHP 36 is quoted in another currency, if you are not shopping in Sweden.
- Cashspace ES, at 0%, where the listed rate leaves nothing to weigh against Sambla's 7.92% to 13.24%.
Country by country
| Country | Fidea MX | Sambla |
|---|---|---|
| Mexico | Yes | No |
| Sweden | 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.
Sambla
What does it cost to apply through Sambla?+
Applying and comparing is free, because the fee is 0 SEK - free to apply and compare, lender pays Sambla and the lender pays Sambla. What you repay is the interest on the loan itself, quoted as 7.92% to 13.24% on a variable basis, so the headline figure is a starting point rather than a fixed monthly sum.
Who can apply for a loan through Sambla?+
Applicants must be adults, registered as residents in Sweden for a period, free of Kronofogden entries for a period, and earning above a minimum monthly income. Sambla also lists the credit needed as fair, so a thin credit file is the usual reason an application stalls.