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 settingsCookie policy

Fineddy review

Updated September 28, 2026 · SumCue 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. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Fineddy suits Spanish residents who need a small short term loan quickly and can cover the cost. It is a broker rather than a direct lender, and the APR runs as high as 0% to 203.72% on loans of €50 to €1,500 with 0 EUR - free service, no loan selection fee.

Key facts

Best for
Small, fast loans for Spanish residents who need cash the same day.
APR
0% to 203.72%↗
Loan amount
€50 to €1,500↗
Term
91 to 120 months↗
Arrangement fee
0 EUR - free service, no loan selection fee↗
Credit check
Soft prequal↗
Funding time
Approval in 5-15 minutes; loan available in your bank account within 24 hours↗
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%↗
Rate type
Fixed↗
Lender type
Broker↗
Eligibility
Spanish citizen residing in Spain, 18+, own DNI, own bank account and own mobile number↗
Loan types
Personal, Payday, Debt-consolidation, Car, Business, Guarantor↗
Credit needed
Poor↗
Legal entity
Fineddy OÜ↗
Headquarters
Estonia↗
Founded
2020↗
Support channels
Email, Phone↗
Pricing model
Fixed rate
Features
Same-day funding
Official website
fineddy.io

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • 0 EUR - free service, no loan selection fee, so no arrangement fee is taken for finding a lender
  • same day funding, with the loan reaching your bank account the same day
  • A soft prequalification check, soft prequal, which suits thin credit files
  • Fixed rate pricing, fixed rate, so repayments do not shift

Cons

  • The APR reaches 0% to 203.72%, well above the 15.5% median across lenders
  • Borrowing stops at €50 to €1,500, far below the from €12,000 that Creduma ES offers
  • Support runs on email and phone only
Fineddy

Ready to try Fineddy?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Spanish citizens living in Spain who are adults, with their own DNI, bank account and mobile number
  • Borrowers with poor credit who only need a short term bridging loan
  • People who need money in the same day rather than a large sum

Who should look elsewhere

  • Anyone needing a large sum, since €50 to €1,500 caps the loan
  • Borrowers chasing a cheaper rate, as 0% to 203.72% runs far above the 15.5% median across lenders
  • Readers outside Spain, since eligibility covers Spanish citizens residing in Spain

Deposit protection

Fineddy works as a broker, broker, so it introduces applicants to partner lenders rather than lending the money itself. Its representative example shows a fixed monthly rate on a small loan, and the cost runs up to 0% to 203.72% once you include it in the repayment. No licence or regulator appears for the service, so the contract you sign is with the partner lender rather than with Fineddy.

How Fineddy compares

Where Fineddy is available

Available
Poland, Spain

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

Frequently asked questions

How much can I borrow from Fineddy?+

Loans run €50 to €1,500, a small bridging sum rather than a large personal loan, so Fineddy suits urgent expenses more than planned spending. Repayments are spread over 91 to 120 at a fixed rate.

What does a Fineddy loan cost?+

The APR runs up to 0% to 203.72%, high next to the 15.5% median across lenders. The service itself carries 0 EUR - free service, no loan selection fee, so the cost sits inside the repayment rather than in an arrangement fee.

How fast is the money?+

Approval comes within a short window and the loan reaches your bank account the same day. Fineddy lists same day funding among its features, which suits an emergency rather than a planned purchase.

Does Fineddy check my credit?+

The credit check is soft prequal, and Fineddy says poor credit is enough. That helps applicants with a thin file, though a soft check is not approval, and each partner lender applies its own criteria.

Who can apply?+

Eligibility covers Spanish citizens residing in Spain who are adults, with their own DNI, bank account and mobile number. Applicants elsewhere, or without those documents in their own name, fall outside the criteria.

What kinds of loan does Fineddy arrange?+

Fineddy is a broker, broker, covering personal, payday, debt consolidation, car, business and guarantor loans. The partner lender decides which of these it will approve and at what rate.

How do I contact Fineddy?+

Support runs on email and phone, so the team is reached by email or phone. No live chat or help centre is listed, which matters if you need answers outside office hours.

When was Fineddy founded and where is it based?+

Fineddy has operated since 2020 and is registered in Estonia as Fineddy OÜ. Its Spanish site, alongside the wider brand, targets residents of Spain.

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

Small, fast loans for Spanish residents who need cash the same day.

9.0/10See alternatives