Updated September 28, 2026 · BorrowCue Editorial Team
Fidea MX vs Zmarta Norge
Where Fidea MX and Zmarta Norge differ
| Compare | Fidea MX ReviewVisitVisit |  Zmarta Norge |
|---|---|---|
| APR | 0% to 3.752%Lower | 15.52% |
| Loan amount | MX$1,000 to MX$150,000 | NOK 5,000 to NOK 800,000 |
| Term | 3 to 60 months | 12 to 60 months |
| Arrangement fee | 0 MXN, Fidea charges nothing for using its service | 0 NOK |
| Funding time | Same day or next business day after approval | Money in account within 1-5 business days after signing |
| 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% | Nom. rate 12.9 %, effective rate 15.52 %, 75 000 NOK over 5 years, cost 30 509 NOK, total 105 509 NOK |
| Eligibility | Mexican nationals aged 18 to 65 with a CURP, a Mexican bank account in their own name and a minimum income | Age 20+, annual income over 120 000 NOK, taxed in Norway for more than 3 years, no payment remarks |
| Loan types | Personal | Personal, Debt consolidation, CarCovers more |
| Credit needed | Poor | Good |
| 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
- Zmarta Norge is available in 1 more country.
- APR is lower at Fidea MX: 0% to 3.752% vs 15.52%.
- Support channels: only Zmarta Norge offers Chat.
- Loan types: only Zmarta Norge offers 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.
Zmarta Norge
Zmarta Norge suits Norwegian adults with a good credit record who want a big loan, offering borrowing of NOK 5,000 to NOK 800,000 across personal, debt-consolidation and car lending. The trade-off is the rate, and 15.52% is the number to weigh before you apply.
Score breakdown
| Area | Fidea MX | Zmarta Norge |
|---|---|---|
| Cost | 9.5Higher | 8.6APR ranks 223 of 350, so a 0 NOK fee does not make the total cheap. |
| Offer | 8.7 | 9.3Higher |
| Trust | 8.3 | 8.7Higher |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Fidea MX
0 to 588.96
0 to 588.96
Zmarta Norge
2,571.39
2,571.39
Fidea MX comes out 2,571.39 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.
Availability and regulation
| Country | Fidea MX | Zmarta Norge |
|---|---|---|
| Sweden | Not confirmed |
Additional countries for Fidea MX: 1. Additional countries for Zmarta Norge: 2.
Sources behind this comparison
Fidea MX
- fidea.mx: 16 facts, checked September 26, 2026
Zmarta Norge
- zmarta.no: 17 facts, checked September 26, 2026
How they place
| Ranking | Fidea MX | Zmarta Norge |
|---|---|---|
| Personal loans | 37 of 1920 | 953 of 1920 |
Every fact side by side
| Fact | Fidea MX | Zmarta Norge |
|---|---|---|
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU | Zmarta AS |
| Headquarters | Estonia | Norway |
| Founded | Not confirmed | 1999 |
| Support channels | Email, Phone, Help centre | Email, Phone, Chat, Help centreCovers more |
Where each stands against the rest
| Fact | Fidea MX | Zmarta Norge | Median |
|---|---|---|---|
| APR | 0% to 3.752%lowest quarter | 15.52%above the median | 8.99 |
| Term | 3 to 60 monthsat the median | 12 to 60 monthsat the median | 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.
Zmarta Norge
Pros
- The arrangement fee is 0 NOK, so nothing is charged to set the loan up.
- Loans run NOK 5,000 to NOK 800,000, enough for home improvement, and the lending covers personal, debt consolidation and car.
- Speed is a selling point: same day funding, with money reaching your account Money in account within 1-5 business days after signing.
Cons
- The rate of 15.52% is the sticking point, and it sits above plenty of rivals on the list.
- Applications run a hard credit search, hard, so a rejection is recorded on your file.
- Eligibility is narrow: adults, an income above a set threshold and a number of years taxed in Norway, and any registered payment remark counts against the application.
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.
Zmarta Norge
Who it suits
- Norwegian adults with good credit who need a large sum for home improvement.
- People comfortable applying through a broker rather than going straight to a bank.
- Borrowers who want to talk to someone, with email, phone and chat on offer.
Who should look elsewhere
- Anyone chasing the lowest rate should check Monzo Flex, whose APR runs 10% to 23%.
- Readers comparing wider rate spreads can look at Cashspace, listed at PHP 12 to PHP 36.
Country by country
| Country | Fidea MX | Zmarta Norge |
|---|---|---|
| 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.
Zmarta Norge
What can I use a Zmarta Norge loan for?+
Personal loans, debt consolidation and car finance are all covered, as personal, debt consolidation and car shows. Borrowing runs NOK 5,000 to NOK 800,000, and home improvement is the named use: home improvement. Repayment terms run 12 to 60, so a larger balance can be spread over a longer window instead of one short term.
What does a Zmarta Norge loan cost?+
The arrangement fee is 0 NOK, and the rate is 15.52%. The representative example pairs a nominal rate with an effective rate above it, and shows a total repaid noticeably higher than the amount borrowed. Costs build up the longer a balance is carried, so the term you pick changes the overall price.