Updated September 28, 2026 · BorrowCue Editorial Team
Fidea MX vs Zmarta
Where Fidea MX and Zmarta differ
| Compare | Fidea MX ReviewVisitVisit |  Zmarta |
|---|---|---|
| APR | 0% to 3.752%Lower | 7.22% |
| Loan amount | MX$1,000 to MX$150,000 | SEK 800,000 |
| Term | 3 to 60 months | 60 months |
| Arrangement fee | 0 MXN, Fidea charges nothing for using its service | 0 SEK |
| Funding time | Same day or next business day after approval | 1-4 days after signing the loan agreement |
| 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 225 000 SEK, nominal interest 6.99%, 5 year term, effective rate 7.22% |
| Eligibility | Mexican nationals aged 18 to 65 with a CURP, a Mexican bank account in their own name and a minimum income | Over 18 years old, annual income of at least 100 000 SEK, no unpaid debts with the Swedish Enforcement Authority (applications with records of non-payment accepted by some partner banks) |
| Loan types | Personal | Personal, Debt consolidationCovers more |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Broker), Free early repayment (Yes).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Zmarta scores higher overall: 9.2 vs 8.8.
- APR is lower at Fidea MX: 0% to 3.752% vs 7.22%.
- Loan types: only Zmarta offers Debt consolidation.
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
Zmarta suits Swedish borrowers who want a single application to reach partner banks for a personal or consolidation loan, and it also places home loans. Borrowing runs to SEK 800,000, the worked example term is 60 months, and home loans reach a 90% loan to value.
Score breakdown
| Area | Fidea MX | Zmarta |
|---|---|---|
| Cost | 9.5Higher | 9.3APR of 7.22% against 12% across the site, and an arrangement fee of 0 SEK on personal loans. |
| Offer | 8.7 | 9.6HigherBroker covering personal and debt consolidation plus home improvement, so home and debt costs sit under a single brand. |
| Trust | 8.3 | 8.7Higher |
Choosing between them
Pick Fidea MX if apr matter most.
Pick Zmarta if offer, trust, and loan types matter most.
Availability and regulation
| Country | Fidea MX | Zmarta |
|---|---|---|
| Sweden | Not confirmed |
Additional countries for Fidea MX: 1. Additional countries for Zmarta: 1.
How they place
| Ranking | Fidea MX | Zmarta |
|---|---|---|
| Personal loans | 37 of 1920 | 506 of 1920 |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 3.752% for Fidea MX and 7.22% for Zmarta.
FINANZCHECK.de reviewWhere these facts come from
Fidea MX
- fidea.mx: 16 facts, checked September 26, 2026
Zmarta
- zmarta.se: 19 facts, checked September 26, 2026
Every fact side by side
| Fact | Fidea MX | Zmarta |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Not confirmed |
| Legal entity | Finceptiv OU | Zmarta AB |
| Headquarters | Estonia | Sweden |
| Founded | Not confirmed | 1999 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Fidea MX | Zmarta |
|---|---|---|
| Initial rate | Not confirmed | 2.58% |
| Fixed period | Not confirmed | 0.25 years |
| 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 | Zmarta | Median |
|---|---|---|---|
| APR | 0% to 3.752%lowest quarter | 7.22%below the median | 8.99 |
| Term | 3 to 60 monthsat the median | 60 monthsat the median | 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.
Zmarta
Pros
- Early repayment is free, so overtime or a bonus can clear the balance early.
- The lender type is broker, so one application reaches several partner banks.
- A fixed rate model on the home loan side, with an initial rate of 2.58%.
Cons
- A hard credit check runs on applications, and eligibility bars applicants with unpaid debts at the Swedish Enforcement Authority, save for some partner banks.
- Payout waits 1-4 days after signing the loan agreement after the agreement is signed, so urgent bills need a different plan.
- Support runs on phone, email and help centre only, with no live chat among the listed channels.
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
Who it suits
- Adults in Sweden with a steady income and no unpaid debts held by the Swedish Enforcement Authority, since eligibility is checked up front.
- People consolidating existing debts, as personal and debt consolidation covers personal and consolidation lending.
- Homeowners funding renovations, the home improvement use case listed for the unsecured loan.
Who should look elsewhere
- Readers who need money sooner, since Zmarta pays out 1-4 days after signing the loan agreement after signing and can be lined up against Monzo Flex at 10% to 23%.
- Cost-first borrowers, who should set Zmarta's 7.22% against Cashspace ES at 0% and Cashspace at PHP 12 to PHP 36.
Country by country
| Country | Fidea MX | Zmarta |
|---|---|---|
| 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.
Zmarta
What rate will I pay on a Zmarta personal loan?+
The listed rate is an APR of 7.22%. The worked example pairs that effective rate with a nominal rate a little lower, so the figure to compare on is the effective one. Across the site the median APR sits at 12%, which places Zmarta below the middle of the field.
Does Zmarta charge arrangement or product fees?+
On personal loans the origination fee is 0 SEK and the percentage fee is 0%, so borrowing carries no upfront charge. On the mortgage side the product fee is listed as SEK 0. Early repayment is free too, so overpaying is not penalised.