Updated October 18, 2026 · SumCue Editorial Team
Fidea vs Youmoney
Fidea
Higher score in this comparison
Youmoney
What sets them apart
| Compare | FideaReviewVisitVisit | YoumoneyReviewVisitVisit |
|---|---|---|
| APR | 0% to 212%Lower | 25.28% to 72.19% |
| Loan amount | €500 to €60,000 | PLN 100 to PLN 10,000 |
| Term | 3 to 60 monthsHigher | 24 months |
| Arrangement fee | 0 EUR | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | A few hours after approval | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Origination fee (%) | 0%Lower | 33.76% |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Lender type (Broker), Loan types (Personal, Payday, Debt consolidation), Credit needed (Poor).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Fidea scores higher overall: 9.0 vs 8.6.
- Youmoney is available in 2 more countries.
- APR is lower at Fidea: 0% to 212% vs 25.28% to 72.19%.
- Origination fee (%) is lower at Fidea: 0% vs 33.76%.
- Term is higher at Fidea: 3 to 60 months vs 24 months.
- Support channels: only Youmoney offers Chat.
Our verdict on each
Fidea
Fidea is a Spanish broker for personal, payday and debt consolidation loans, built for residents of Spain with poor credit. It can pay out A few hours after approval, which suits people who need money today rather than the cheapest rate on the market.
Youmoney
Youmoney is a Polish loan broker built for people with a thin credit file who need money the same day. It suits borrowers who accept a hard credit check and a high cost, since its APR of 25.28% to 72.19% sits far above the personal loan median of 14.43%. Early repayment carries no charge.
Score breakdown
| Area | Fidea | Youmoney |
|---|---|---|
| Cost | 9.7HigherArrangement fees are 0 EUR and 0%, while the rate band 0% to 212% runs above the 36.5% payday median on the site. | 8.6APR of 25.28% to 72.19% against a personal loan median of 14.43%, with an origination charge of 33.76% on the instalment example. |
| Offer | 9.0 | 9.2HigherA broker covering personal, payday and debt consolidation, with fixed-rate lending, same-day funding and a 24 term on offer. |
| Trust | 8.5Higher | 8.3 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Fidea
0 to 33,272.02
0 to 33,272.02
Youmoney
2,842.91 to 9,150.95
2,842.91 to 9,150.95
Fidea comes out 2,842.91 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.
How they place
| Ranking | Fidea | Youmoney |
|---|---|---|
| Loans | 21 of 2043 | 36 of 2043 |
| Personal loans | 17 of 1317 | 30 of 1317 |
| Payday and short-term loans | 6 of 233 | 15 of 233 |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 212% for Fidea and 25.28% to 72.19% for Youmoney.
FINANZCHECK.de reviewWhat we checked
Fidea
- fidea.es: 17 facts, checked September 26, 2026
Youmoney
- youmoney.pl: 20 facts, checked September 26, 2026
Every fact side by side
| Fact | Fidea | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Finceptiv OU (reg. 14563072) | Findao sp. z o.o. |
| Headquarters | Estonia | Poland |
| Founded | Not confirmed | 2022 |
| Support channels | Phone, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Fidea | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 25.28% to 72.19%highest quarter | 9.99 |
| Term | 3 to 60 monthsat the median | 24 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | 33.76%highest quarter | 0% |
Median across 1096 listed providers.
Pros and cons
Fidea
Pros
- Nothing to pay for introduction: the arrangement fee is 0 EUR and 0% on personal, payday and debt consolidation loans.
- Speed is the point here, with money landing A few hours after approval after a lender approves.
- Amounts run €500 to €60,000, wide enough for a short-term gap or a home improvement project.
Cons
- Rates are the catch, with 0% to 212% running far above the 36.5% median for payday loans on the site.
- As a broker, Fidea does not set the final price, so the rate you pay is decided by the lender who accepts you.
- Sofkredit's 10.74% to 18.06% is a narrow, low band beside Fidea's 0% to 212%, so cheaper credit sits elsewhere in the same market.
Youmoney
Pros
- Any income source counts, from employment and self-employment to pension, allowance and alimony, so applicants are not tied to one form of earnings.
- Lenders release money in minutes with the quickest of them, usually within hours and at worst by the end of the next business day.
- Early repayment costs nothing, so a borrower who can clear the balance early pays less interest.
Cons
- The instalment example carries an origination charge of 33.76% of the amount borrowed, a cost that sits in the price from the first instalment.
- APR runs 25.28% to 72.19%, well above the personal loan median of 14.43% and the payday median of 36.5%.
- Applications run a hard credit check, so a declined application can be recorded on the credit file.
Who each suits
Fidea
Who it suits
- Adults living in Spain with a DNI or NIE, a Spanish bank account, a mobile number and an email address, and a poor credit history.
- Borrowers who need cash the same day rather than a week of bank processing, since funding is A few hours after approval.
- People consolidating several balances into a single monthly payment, as personal, payday and debt consolidation includes debt consolidation.
Who should look elsewhere
- Shoppers chasing the lowest rate, since Sofkredit's 10.74% to 18.06% sits well below Fidea's 0% to 212%.
- Large-ticket borrowers, because Creduma ES works from from €12,000, above the sums most Fidea applicants need.
- Applicants outside Spain, since Cashspace quotes PHP 12 to PHP 36 in a different currency market and Fidea serves residents of Spain.
Youmoney
Who it suits
- Polish residents with a bank account and a Polish ID who need cash quickly rather than a low rate
- Borrowers whose income is a pension, allowance or alimony as well as a salary
- People with a poor credit file, because poor means the market accepts thin credit histories
Who should look elsewhere
- Anyone wanting a long cheap loan, since 24 is the only term on offer and 25.28% to 72.19% is high
- Borrowers who want a soft pre-application check rather than the hard credit check listed under hard
- Households that need to borrow a large sum, because PLN 100 to PLN 10,000 is the ceiling
Current offers
Youmoney
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Fidea | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| Spain | Yes | Yes |
Questions about each
Fidea
What does Fidea charge to arrange a loan?+
Fidea lists an arrangement fee of 0 EUR and 0% on the loans it brokers, so nothing is taken simply for introducing you. Borrowing cost appears in the rate instead, which runs 0% to 212% across personal, payday and debt consolidation loans. Compare the total repayable figure, not just the headline.
What does the representative example show about the cost?+
The published example takes a small advance and repays it in monthly instalments, with a borrowing cost that lifts the total repayable well above the amount handed over. That gap is the number to weigh. Treat the example as the floor for what borrowing costs, since 0% to 212% stretches a long way higher.
Youmoney
What APR will I pay on a Youmoney loan?+
APR runs 25.28% to 72.19% across the products offered. For context, the median APR on our personal loan data is 14.43%, so the difference is large. The instalment example sits well above that median as well.
What does Youmoney charge for arranging a loan?+
The instalment-loan representative example includes a commission of 33.76% of the amount borrowed, charged alongside the interest. On top of that sits the interest itself, at a fixed rate across a term of 24. The total repayable is what matters, not the rate alone.