Updated September 28, 2026 · BorrowCue Editorial Team
Fidea MX vs Zensum
Where Fidea MX and Zensum differ
| Compare | Fidea MX ReviewVisitVisit |  Zensum |
|---|---|---|
| APR | 0% to 3.752%Lower | 11.46% |
| Loan amount | MX$1,000 to MX$150,000 | NOK 150,000 |
| 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 | Answer often within a few hours, in some cases up to a couple of 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% | Annuitetslån 150 000 kr, 5 years, nominal rate 10.90%, establishment/term fee 0 kr, effective rate 11.46%, total cost 195 240 kr, 3 254 kr per month |
| Loan types | Personal | Personal, Debt consolidation, Secured, CarCovers more |
| Rate type | Not confirmed | Variable |
| Free early repayment | Yes | Not confirmed |
| Eligibility | Mexican nationals aged 18 to 65 with a CURP, a Mexican bank account in their own name and a minimum income | Not confirmed |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Credit check (Hard), Lender type (Broker), Credit needed (Poor).
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Key differences
- Zensum scores higher overall: 8.9 vs 8.8.
- Zensum is available in 1 more country.
- APR is lower at Fidea MX: 0% to 3.752% vs 11.46%.
- Term is higher at Zensum: 12 to 180 months vs 3 to 60 months.
- Loan types: only Zensum offers Debt consolidation, Secured, 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.
Zensum
Zensum is a Swedish loan broker in the middle of the market, with an APR of 11.46% on borrowing capped at NOK 150,000. It suits borrowers who want the origination fee kept at 0 NOK, a quick answer, and who can accept a hard credit check.
Score breakdown
| Area | Fidea MX | Zensum |
|---|---|---|
| Cost | 9.5Higher | 9.2APR of 11.46%, origination fee of 0 NOK and product fee of SEK 0. |
| Offer | 8.7 | 9.4Higher |
| Trust | 8.3 | 8.4Higher |
Which one suits you
Pick Fidea MX if cost and apr matter most.
Pick Zensum if offer, term, and loan types matter most.
How they place
| Ranking | Fidea MX | Zensum |
|---|---|---|
| Personal loans | 37 of 1920 | 864 of 1920 |
| Loans for bad credit | 24 of 276 | 193 of 276 |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 3.752% for Fidea MX and 11.46% for Zensum.
FINANZCHECK.de reviewWhere these facts come from
Fidea MX
- fidea.mx: 16 facts, checked September 26, 2026
Zensum
- zensum.no: 8 facts, checked September 26, 2026
- zensum.se: 6 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Fidea MX | Zensum |
|---|---|---|
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OU | Zensum AB |
| Headquarters | Estonia | Sweden |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Fidea MX | Zensum |
|---|---|---|
| Maximum loan to value | Not confirmed | 90% |
| Product fee | Not confirmed | SEK 0 |
| Purpose | Not confirmed | Purchase, Remortgage |
Where each stands against the rest
| Fact | Fidea MX | Zensum | Median |
|---|---|---|---|
| APR | 0% to 3.752%lowest quarter | 11.46%above the median | 8.99 |
| Term | 3 to 60 monthsat the median | 12 to 180 monthshighest 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.
Zensum
Pros
- Origination fee of 0 NOK on personal loans
- Product fee of SEK 0 on the mortgage range
- Applications are often answered quickly, though some take a little longer
Cons
- The rate is variable, so payments can move with the market
- The credit check is hard, which can leave a mark on your file
- Maximum loan to value is 90%, so a larger deposit is needed
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.
Zensum
Who it suits
- Borrowers comparing personal loans who want the fee side of the deal kept at 0 NOK and a fast answer
- Anyone after a quick decision rather than a slow branch process
- People consolidating several debts into a single payment
Who should look elsewhere
- Borrowers who need a fixed rate should shortlist Monzo Flex, since the rate here is variable
- Anyone unwilling to run a hard credit check should start with Cashspace instead
- Buyers wanting a loan to value above 90% have a narrow field, Cashspace and Cashspace ES included
Country by country
| Country | Fidea MX | Zensum |
|---|---|---|
| Mexico | Yes | No |
| Norway | No | Yes |
| 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.
Zensum
What does a Zensum personal loan cost?+
The APR is 11.46% on borrowing capped at NOK 150,000, and the origination fee on a personal loan is 0 NOK. Interest on the balance is the main cost, since no separate establishment or term charge sits on top of it.
What fees does Zensum charge?+
On personal loans the origination fee is 0 NOK and the percentage fee is 0%. On the mortgage range the product fee is SEK 0, so the number a borrower really works from is the rate.