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Fidinda review

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

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Our verdict

Fidinda serves adults in Spain with a personal loan on a fixed rate and a revolving credit line. Costs are the draw: an APR of 80% to 85% with free early repayment. The catch is a hard credit check, and the lender sits in Malta under the Malta Financial Services Authority rather than in Spain.

Key facts

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

Facts checked September 26, 2026, 3 sources

Pros and cons

Pros

  • APR of 80% to 85% on personal loans, set on a fixed rate for the whole term
  • No arrangement fee, with free early repayment on the loan
  • A credit line lets you borrow and repay repeatedly, rather than take a single loan
  • Runs on a hard credit check, so approval turns on your file

Cons

  • APR of 80% to 85% sits well above the site median of 14.43%
  • Term runs 3 to 24, shorter than the site median of 36
  • Eligibility needs a Spanish bank account and recurring income shown by a payslip or pension

Ready to try Fidinda?

Scored 9.1 / 10 by SumCue.

See alternatives

Who it suits

  • Adults living in Spain with a Spanish bank account and steady recurring income
  • Borrowers who expect to repay early and want that to cost nothing
  • People who want a fixed rate personal loan plus a reusable credit line

Who should look elsewhere

  • Borrowers wanting the cheapest borrowing, since the APR of 80% to 85% is high against the site median of 14.43%
  • Anyone needing a long repayment period, as the term runs 3 to 24
  • Applicants with a thin credit file, because the check is hard

The company behind it

Fidinda is the brand of Bank DiMare Limited, a direct lender rather than a broker, so you deal with the lender itself. It is headquartered in Malta and regulated there by the Malta Financial Services Authority, licence C46997, while its customers sit in Spain. 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 Fidinda loan cost?+

The annual percentage rate runs 80% to 85% and sits on a fixed rate, so it does not move during the term. The rate type is fixed, and there is no opening fee. Free early repayment is offered, so settling the balance early costs nothing extra.

How much can I borrow and over what period?+

Loan amounts run €100 to €5,000 and the term runs 3 to 24, so a loan is repaid in monthly instalments. The rate stays fixed for the whole period. A credit line is also available, letting you draw and repay repeatedly.

What does the representative example show?+

The representative example shows a personal loan repaid in equal monthly instalments on a fixed rate, with the total repaid listed alongside the monthly payment. Those costs sit inside the stated APR of 80% to 85%, and settling the balance early adds nothing extra.

How long does it take to get the money?+

Funding lands within a short window after approval, and the calculator page also states a quicker release. Plan on the stated window rather than the faster figure. Either way it is a personal loan for a single sum rather than a rolling facility.

Is Fidinda regulated?+

Yes. The lender is Bank DiMare Limited, a direct lender based in Malta, and it is authorised by the Malta Financial Services Authority under licence C46997. Customers apply in Spain, so the account is governed by the terms published for Spanish residents.

Who can apply?+

Applicants must be adults, live permanently in Spain and show recurring income through a payslip or pension. You also need a Spanish bank account, which is where repayments are taken from. The income proof is the part that trips up applicants with irregular earnings.

Does applying damage your credit file?+

The credit check is hard, which means a full search is run and the result stays on your file. That is the price of the cheap fee structure here. Applicants with a thin file should expect a refusal rather than a soft prequalification.

How do I get help?+

Support runs on email, phone and help centre, so you can use email, phone or the help centre. Phone suits questions about a live application, while the help centre covers the routine ones. No branch network is listed for walk-in help.

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

Adults in Spain who want a personal loan with free early repayment and a credit line.

9.1/10See alternatives