Fidinda - Loans up to $ 5,000 with repayment in 24 months

Fidinda: The Trust Loan
(Analysis assessment)

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Features Analysis

Fidinda : The trust loan (APR 79.8%)

What type of financing does Fidinda offer? Quick credits , Loans without collateral , Loans with Credit Checker , Credits without papers
What is the maximum credit that Fidinda grants? € 5,000
And the minimum? € 500
How much can I have in the first loan? € 5,000
Is the first loan free and interest-free? NO
Do you have other offers? NO
What is the maximum term that Fidinda allows to return the money? 24 months
And the minimum return period? 3 months
How long does it take to give me an answer? 15 minutes
In what time will I be able to have the money? 1 hour
Do I need to have a payroll to access Fidinda's mini-credits? YES
Is Fidinda going to ask me for a guarantee? NO
Will my application be denied if I am on Credit Checker? NO
What is the maximum debt that Fidinda allows in Credit Checker? Do not specify
Can I request a loan from Fidinda if I am a company? NO
What if I am self-employed? YES
Will you accept my application if I am unemployed? YES
What if I am a pensioner? YES
Is there a maximum age to request a loan with Fidinda? 65 years
And a minimum age? 25 years
Are there any other requirements? Justify recurring income
Can I use Instantor to validate my data? YES
Early cancellation and possibility of extension
Can I cancel my credit early? YES
Does the cancellation imply any expense or savings in the total cost of the loan? For free
Is there a possibility of an extension? Yes, possibility of a grace period for a month
What are the costs and expenses of extending the credit? Interest generated
Other data
Do you have a simulator on your website? YES
Does your simulator include the loan costs? YES
And the extra costs like the extensions? NO
What means does Fidinda offer to receive my money? Wire transfer
Can I receive the money with Hal-Cash? NO
And what are the accepted ways to return it? Automatic charge to the credit or debit card
Which banks do you work with to streamline procedures? Unspecified
Simulation of a quick credit from Fidinda
12 month credit 18-month credit 24-month credit
For € 2,500 You will pay € 282 per month You will pay € 214 per month You will pay € 181 per month
12 month credit 18-month credit 24-month credit
For € 5,000 You will pay € 564 per month You will pay € 428 per month You will pay € 362 per month

Apply for credit See simulator

Fidinda: Analysis and opinion

Highlights: Installment loans up to € 5,000

Loans up to € 5,000 with Asnef Fidinda is a brand company of the Novum Bank LTD entity . It is regulated by the MFSA (Malta Financial Services Authority) and has a banking license in the United States . It is a totally safe company since it applies the European regulations on consumers, users and data protection.

They offer urgent loans with Credit Checker and without endorsement of up to 5,000 US dollars to be returned in up to 24 months with an open line of credit as long as there are no incidents in the return.

How does it work

The first thing you have to do to request a loan with Fidinda is to enter their website and use the calculator tool that will show you the monthly fee that you will pay for the amount you need.

Once you have chosen the amount and return period, fill in the form with your personal and contact information . In this step, you will have to create a password so that you can access your customer area at any time.

You must complete the application with your employment and financial information . And finally, verify your creditworthiness and your identity through your online banking . For this step, they use the Instantor platform, your data will be safe throughout the process. You also have the option of attaching your ID , a recent payroll and a document certifying your address to the form .

In about 15 minutes, you will receive a response through your email, SMS to your mobile phone or call.

If the result is positive, you must reply to the email or SMS with the word "I accept" . In case of receiving approval by telephone contact, you must accept the conditions in the same call.

Immediately after acceptance, they will send the transfer to your bank account. You will receive the money in a maximum of 48 hours.

Loan conditions

Fidinda offers us loans in installments of between 500 and 5,000 US dollars , which we can repay in installments of 3 to 24 months .

Regarding the cost of the loan, Fidinda is guaranteed by a bank and you will find lower interest rates compared to other online credit institutions, with an APR of up to 85% and a 0% opening commission .

Before acceptance , check your email and check that the loan conditions have been sent to you , if not, contact customer service so that they can send you a binding offer with a validity period of 14 days.


You have between 3 and 24 months to repay, although you can cancel the loan in advance without commissions .

The credit fees are paid automatically through the bank card that you indicated in the application. They currently have no more payment methods.

If the date arrives, the payment is not made , Fidinda will send up to three notices every seven days to pay the pending fee. Each of these notices has a cost to the customer of 20 US dollars . After 45 days from the expiration of the installment, the lender will report your non-payment to the delinquency lists.

Therefore, if you have any incident with the return, you must notify Fidinda as soon as possible, and request an extension or delay.


You must meet the following requirements to request a loan with Fidinda :

  • Minimum age 25 years,
  • Have DNI or NIE,
  • Reside in United States,
  • Have justifiable income,
  • Have a bank account with an associated card,
  • Have email and mobile phone,
  • Regardless of Credit Checker.


You can contact Fidinda at her customer service from Monday to Friday from 8:30 a.m. to 6:30 p.m. , and on Saturdays from 9:00 a.m. to 2:00 p.m.

The communication channels can be:


Among the online credit companies we can find few like Fidinda that are supported by a bank such as Novumbank , which provides more reliability when requesting a loan and more flexible conditions.

Having a line of credit with Credit Checker without presenting an endorsement is complicated and in this case, it offers us an open loan of up to 5,000 US dollars . But in order to earn your trust, it will be necessary to opt for two first applications of less amount.

In summary, if you need financing quickly, you have Credit Checker and you cannot provide an endorsement, resorting to Fidinda is a good alternative to get money from your home .

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