Fidinda review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

Fidinda suits Spanish borrowers who want a small personal loan or credit line with nothing to pay in fees. Its APR of 80% to 85% is high next to cheaper options, but the 0% opening fee, 0% early repayment fee (0 EUR) and free early repayment take some of that back.

Key facts

Best for
Small personal loans and credit lines for residents of Spain.
APR
80% to 85% (Source, checked September 26, 2026)
Loan amount
€100 to €5,000 (Source, checked September 26, 2026)
Term
3 to 24 months (Source, checked September 26, 2026)
Arrangement fee
0% opening fee, 0% early repayment fee (0 EUR) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
24-48 hours after approval (calculator page also states money in under one hour) (Source, checked September 26, 2026)
Representative example
EUR 1000 over 12 monthly instalments: repay 1342,22 EUR in 113 EUR/month, 5% fixed rate, 81% APR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Over 21 years old, permanent residence in Spain, recurring income (payslip or pension), Spanish bank account (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
Bank DiMare Limited (brand Fidinda) (Source, checked September 26, 2026)
Headquarters
Malta (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
fidinda.es

Pros and cons

Pros

  • No opening fee and no early repayment charge: 0% opening fee, 0% early repayment fee (0 EUR)
  • Fixed rate, so repayments hold steady: fixed
  • Credit line available, not only a lump sum: credit line
  • Hard credit check, so a decision rests on your file: hard

Cons

  • APR of 80% to 85% sits far above the site median of 12%
  • Borrowing caps at €100 to €5,000, so larger plans need another lender
  • Term of 3 to 24 is shorter than most rivals

Ready to try Fidinda?

Scored 9.0 / 10 by BorrowCue.

Visit

Who it suits

  • Adults living in Spain with recurring income and a Spanish bank account
  • Borrowers who want to clear a debt early without paying for it
  • People funding home improvement work

Who should look elsewhere

  • Borrowers wanting a lower rate, where Monzo Flex runs at 10% to 23%
  • Anyone needing a larger sum than €100 to €5,000
  • Applicants without a Spanish bank account

How your money is protected

Fidinda is a direct lender, so the lending sits with the brand you apply to rather than a broker. The legal entity behind it is Bank DiMare Limited, and it is authorised by the Malta Financial Services Authority under licence C46997. Its representative example covers a loan repaid over a short term at a fixed rate, which sets out the cost clearly before you commit.

The company behind it

Fidinda is run from Malta, with Bank DiMare Limited as the named legal entity, and it lends under the Malta Financial Services Authority licence C46997. Borrowers in Spain apply for a personal loan or a credit line, aimed at uses such as home improvement. Support runs on email, phone and help centre, covering email, phone and a help centre.

How Fidinda compares

Where Fidinda is available

Available
Malta, Spain
Licence in Malta
Malta Financial Services Authority (MFSA) (C46997), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does a loan from Fidinda cost?+

The representative example shows a small loan repaid over a short term at a fixed rate, with total repayment set out monthly. The headline APR of 80% to 85% is the figure to weigh, and it sits well above the site median of 12%.

Are there fees to open or close the loan?+

There is no opening fee and no charge for paying a loan back early, as the opening fee fact shows. Repayments run at 0% opening fee, 0% early repayment fee (0 EUR), so the cost sits in the interest you pay rather than in setup charges.

How long can the loan run for?+

Terms run from 3 to 24, which is shorter than many personal loans on the market. Borrowers wanting a longer repayment to lower the monthly amount would need to look elsewhere.

How much can I borrow?+

Loan amounts run from €100 to €5,000, so this suits smaller plans such as home improvement costs. Anyone needing a larger sum will need another lender. The amount rank is 527 out of 685.

Is my money protected?+

Fidinda is a direct lender, and the legal entity is Bank DiMare Limited. It holds a Malta Financial Services Authority licence, listed as C46997.

Can I repay early without a charge?+

Free early repayment is offered, and the fee fact confirms it: 0% opening fee, 0% early repayment fee (0 EUR). If a windfall or bonus arrives, paying a lump sum against the balance does not add a cost.

Who can apply?+

Applicants must be adults with permanent residence in Spain, recurring income shown by a payslip or pension, and a Spanish bank account. A hard credit check applies, as hard indicates.

How long does it take to get the money?+

Funding arrives within a day or two of approval, and the calculator page also points to money in under an hour. Once the credit check clears and the loan is approved, disbursement is quick.

Sources

  • fidinda.es checked September 26, 2026

    Backs: Loan amount, APR, Eligibility, Features, Free early repayment, Funding time, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Arrangement fee, Origination fee (%), Rate type, Representative example, Support channels, Term

    “Cantidad elegida? € 100 ... € 5000 (calculator slider range,/préstamos a plazos)”

  • fidinda.es/creditos-online checked September 26, 2026

    Backs: Use cases

    “si tienes ... alguna factura que no tenias considerada”

  • fidinda.es/rights/t%C3%A9rminos-y-condiciones checked September 26, 2026

    Backs: Credit check, Licences

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Fidinda

Small personal loans and credit lines for residents of Spain.

9.0/10Visit

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings