Fineddy review

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

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Our verdict

Fineddy is a Spanish broker for small, short-term borrowing, with loans of €50 to €1,500 over terms of 91 to 120. It suits adults in Spain who need cash quickly and can live with an APR of 0% to 203.72%, but the price of that speed is a steep band.

Key facts

Best for
A small, fast loan in Spain when your credit file is thin.
APR
0% to 203.72% (Source, checked September 26, 2026)
Loan amount
€50 to €1,500 (Source, checked September 26, 2026)
Term
91 to 120 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR - free service, no loan selection fee (Source, checked September 26, 2026)
Credit check
Soft prequal (Source, checked September 26, 2026)
Funding time
Approval in 5-15 minutes; loan available in your bank account within 24 hours (Source, checked September 26, 2026)
Representative example
300 EUR loan over 120 days: cost 45.26 EUR, total repayable 345.26 EUR, TAE 203.72%, fixed monthly rate 9.7% (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Broker (Source, checked September 26, 2026)
Eligibility
Spanish citizen residing in Spain, 18+, own DNI, own bank account and own mobile number (Source, checked September 26, 2026)
Loan types
Personal, Payday, Debt-consolidation, Car, Business, Guarantor (Source, checked September 26, 2026)
Credit needed
Poor (Source, checked September 26, 2026)
Legal entity
Fineddy OÜ (Source, checked September 26, 2026)
Headquarters
Estonia (Source, checked September 26, 2026)
Founded
2020 (Source, checked September 26, 2026)
Support channels
Email, Phone (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding
Official website
fineddy.io

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • A free service with no loan selection fee, set out in the 0 EUR - free service, no loan selection fee.
  • A fixed rate product at a fixed rate, so repayments do not shift with the market.
  • A soft prequal credit check, which is lighter on your file than a hard search.
  • Money in minutes, with same day funding listed among the service features.

Cons

  • An APR of 0% to 203.72% tops out far above 10% to 23% and PHP 12 to PHP 36 elsewhere on the site.
  • Terms run 91 to 120, a shorter window than the 36 typical across the site.
  • Support runs on email and phone only.
Fineddy

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Adults living in Spain who hold their own identity document, bank account and mobile number, as the eligibility rules ask.
  • Borrowers with poor credit files, which is the band the service targets.
  • Anyone covering a short-term bill who values speed over a lower rate.

Who should look elsewhere

  • Borrowers wanting a cheaper rate over a longer term, where Monzo Flex quotes 10% to 23%.
  • Shoppers after a larger cheque, since lending runs €50 to €1,500.
  • Readers who want the lowest cost of borrowing here, where Cashspace ES lists 0%.

How Fineddy compares

Where Fineddy is available

Available
Poland, Spain

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

Frequently asked questions

What does Fineddy charge for arranging a loan?+

Fineddy describes itself as a free service with no loan selection fee, as its 0 EUR - free service, no loan selection fee shows. The cost you actually pay comes from the lender's rate, and the 0% to 203.72% spans a wide band that ends at a very high annual cost. Ask for the rate on your own quote before you agree to anything.

How quickly would the money arrive?+

Approval comes in minutes and same day funding is listed among the service features, so a loan can reach your bank account on the day you are approved. Speed is the main selling point here, and the sums involved are small at €50 to €1,500.

What credit check does Fineddy use?+

Fineddy uses a soft prequal credit check rather than a hard search, and the service is aimed at poor credit files. That is why it appears in bad-credit loan tables, where hard checks are the norm across the site.

Who can apply for a Fineddy loan?+

The Spanish service is aimed at adults who are citizens of Spain and live there. You also need your own identity document, your own bank account and your own mobile number, plus a minimum age. Fineddy works as a broker, so the lender it introduces you to sets the final terms.

How much can I borrow, and for how long?+

Loans run €50 to €1,500 and terms run 91 to 120, which is a short window against the 36 typical across the site. The personal, payday and debt consolidation range covers personal, payday, car, business and guarantor borrowing, so one service covers several purposes.

Is the rate fixed or variable?+

Fineddy offers a fixed rate product at a fixed rate, so the monthly payment does not move with the market. Fixed-rate pricing is the most common setup across the site, so nothing here is unusual on rate type. The APR you are given is what decides the real cost.

Where is the company behind the service?+

Fineddy OÜ is registered in Estonia and operates as a broker for the Spanish market. The business was founded in 2020, and borrowing runs in euros to applicants living in Spain. You deal with a Spanish lender rather than the company itself.

How do I get hold of Fineddy?+

Support runs on email and phone, so you can reach the team by email or by phone. Phone and email are the most common channels across the site, so the service sits in line with the norm. Have your application details ready before you call.

Sources

  • casheddy.es checked September 26, 2026

    Backs: Loan amount, APR, Credit check, Eligibility, Features, Funding time, Pricing model, Arrangement fee, Rate type, Representative example, Term

  • fineddy.io/about checked September 26, 2026

    Backs: Credit needed, Founded, Headquarters, Legal entity, Support channels

    “Fineddy's products does its best to match consumers with lenders to help people access credit when needed, even if they have a poor credit history.”

  • fineddy.io/partner checked September 26, 2026

    Backs: Lender type, Loan types

    “Casheddy is a fintech broker tool that offers financing plus debt consolidation and cancellation.”

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

Fineddy

Fineddy

A small, fast loan in Spain when your credit file is thin.

9.0/10See alternatives

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