Medimas Spain

At a glance: Medimas.app is a free, instant online financing search engine focused on medical financing and health insurance in Spain. It is an intermediary/broker—not a lender—and connects patients with vetted third‑party credit institutions. The site states clearly that use of the service is free, terms are set by partners, and Medimas does not grant loans or make credit decisions. Ownership and data‑controller details point to Checkest OÜ (Estonia).

What Medimas is (and isn’t)

• Comparison/search engine: Medimas provides a platform to compare medical‑purpose financing and health insurance options. It facilitates access, but the contract and pricing are always with the partner lender or insurer you choose.¹ ²
• Free to use: Medimas emphasizes that the website and its services are free for users.¹
• Not a lender: Medimas “is not a lender and does not grant loans or make credit decisions”; all product information is informational and illustrative.¹
• Spain focus: The service is intended only for users residing in Spain.²

Bottom line: Treat Medimas as a front door to medical financing in Spain: it helps you find options fast, but the final TAE/APR, amount, term, fees, and payout speed depend on the lender you select.

Who operates Medimas

• Legal entity: The site and policies identify Checkest OÜ / Checkest Ltd (registry code 16607023, address Pärnu mnt 18, Tallinn, 10141, Estonia) as the owner/data controller.² ³ ¹
• Product scope: Two verticals sit on the navigation: “Financiación Médica” (medical financing) and “Seguro Médico” (health insurance).¹ ⁴
• How it works with partners: Medimas’s terms describe a matching process that uses user‑submitted data and public information to suggest lenders most likely to approve your profile. Medimas may transmit your request and redirect you to a partner website to complete the application. Approval is not guaranteed.² ³

Loan amounts, purposes, and where the limits come from

• Typical medical‑loan range: External Spanish review pages of Medimas describe medical‑purpose loans from about €1,000 up to €10,000 (with some sources stating €100–€10,000), repayable in installments set by the lender. These are partner‑determined limits, not set by Medimas.⁵ ⁶
• Use cases: cosmetic and plastic surgery, dental procedures, IVF/fertility, general surgery, and other medical treatments.⁵ ⁶
• What the site itself says: On‑site product figures are illustrative only; final terms and amounts are decided by the partner.¹ ²

Why you may see slightly different numbers online: Medimas acts as a broker, so partner panels can change. Third‑party sites routinely summarize common offer brackets (e.g., €1,000–€10,000) across Spanish medical lenders. Always rely on the lender’s SECCI (Standard European Consumer Credit Information) for exact numbers on the day you apply.

The borrower journey (end‑to‑end)

A) Explore & request
Use the Medical Financing section to start. You’ll select an amount/purpose and submit a short form (identity, contact, financial basics). The site explains that any web form is not a loan application; it simply enables matching and redirection to partners.¹ ²

B) Verification & matching
Medimas uses a profiling/scoring engine to compare your profile against partner criteria, potentially including affordability information and credit‑file signals (e.g., ASNEF). You can be shown one or more compatible partners—or none—depending on your inputs.² ³

C) Redirect to the lender
When you proceed, Medimas may transmit your request and redirect you to the partner’s site. There, you complete KYC (DNI/NIE), income checks, and see the SECCI and contract with exact terms.² ³

D) Decision & payout
Funding time depends entirely on the lender and your bank’s clearing windows (from same‑day to 24–48 business hours in typical Spanish consumer credit). Medimas does not control approval or payout speed.²

E) Repayment & servicing
All payments, extensions, and customer service after disbursement occur with the lender. Medimas’s contact page specifically instructs users to contact the creditor for questions about amounts, schedules, and terms.⁷

Eligibility and the target user profile

What the site requires/clarifies

• Residence & ID: Medimas states that only people with local identification (NIF or NIE) and a local Spanish mobile number can submit requests.⁷
• Age: Terms require at least 18 years old.²

Marketing persona (typical audience)
Based on Medimas’s positioning in Spain, a typical applicant is 20–70 years old, with €1,200+ monthly income, a Spanish bank account, and employment as a salaried worker, temp, freelancer, or business owner. Treat this as a practical profile, not a strict legal requirement; individual lenders set concrete eligibility bands. (These audience parameters come from Medimas’s current go‑to‑market messaging.)

Speed & convenience

• Online & fast: The user flow is 100% online and designed to be simple and quick—submit in minutes, get matched instantly, and proceed directly to a partner.¹ ⁴ ⁸
• Immediate access to treatment: Medimas’s blog messaging emphasizes that financing can accelerate access to specialists and procedures by removing savings delays.⁸

Transparency and what to read before you accept

• Free service disclaimer: Using Medimas is free for consumers.¹
• Informational nature: All numbers on Medimas are informational, and final terms are set by the partner you choose.¹ ²
• Not advice: Medimas is neither a financial provider nor an advisor; you should read the lender’s SECCI, fee table, and contract in full.²

Checklist before signing with any lender (copy/paste):

1. Download the SECCI and contract.
2. Confirm amount, term, TAE/APR, fees, late‑fee policy, and extension/prórroga options.
3. Align the due date with your payday.
4. Set calendar reminders (‑7/‑2 days & day‑of).
5. Prefer lenders that allow early repayment without penalties.

Data privacy, profiling, and your rights (GDPR)

• Controller: Checkest OÜ is the data controller for Medimas.³
• What’s collected: Identification and contact data; employment/income; bank account; usage data/analytics; credit‑file signals (e.g., ASNEF status); and, notably, a field for Individual Health Card (TSI) if provided as part of the medical‑purpose context.³
• Automated profiling & matching: Medimas generates a credit profile/scoring to match you with lenders; this is necessary to deliver the service, and you have a right to human intervention or to challenge outcomes.³
• Data sharing: Your data are shared with partners and select processors (hosting, email/SMS/WhatsApp, analytics, credit bureaus) to operate the service. A current partner list is linked from the privacy policy.³
• International transfers: While storage occurs in the EU, some providers may transfer data outside the EU (e.g., to the United States) under appropriate safeguards.³
• Deletion & support: You can request data deletion through Atención al cliente; Medimas emails a special link and notes the process can take up to 48 hours.⁷

Security tip: Authenticate only via the official partner pages and avoid sharing online‑banking credentials outside your bank’s secure interface.

Pros and cons

Pros

• Free broker service with instant matching
• Medical‑purpose positioning helps narrow lenders likely to fund treatments
• Health insurance discovery alongside financing
• Clear, written disclaimer that Medimas is not a lender
• Privacy policy that explicitly explains profiling, partner sharing, and international transfers

Cons

• Exact amounts/terms are not listed comprehensively on‑site; you rely on partner pages
• Approval not guaranteed; some users may receive no offers
• Marketing summaries online can show varying ranges (e.g., €1,000–€10,000 vs. €100–€10,000) that depend on partner mix
• As with any broker, you may receive follow‑up marketing from multiple partners unless you manage preferences

How Medimas compares to going direct

• Time: Faster than visiting multiple lender sites individually.
• Discovery: Good to see the market quickly; still, always consult the lender’s legal docs.
• Eligibility odds: Matching may route you towards lenders with criteria you’re more likely to meet; still, if you already bank with a lender, checking direct can help.
• Data footprint: Using a broker involves sharing data with an additional party—weigh convenience vs. privacy.

Tip: Use Medimas to build a shortlist of 2–3 partner lenders, then compare head‑to‑head on total repay, late‑fee rules, and extension options.

Practical use cases & budgeting

• Dental care: implants, orthodontics, periodontics—common ticket sizes fall in the low‑to‑mid thousands.⁵ ⁶
• Cosmetic & plastic surgery: rhinoplasty, liposuction, breast procedures; larger tickets closer to the upper bound.⁵ ⁶
• Fertility/IVF: multi‑cycle plans often exceed several thousand euros.⁵ ⁶
• General procedures & diagnostics: from MRIs to outpatient surgeries.⁸

Budgeting tactic: Split treatment cost into manageable installments while prioritizing early repayment if you receive extra income. Ask the lender about early‑repayment rules.

FAQ

Editorial verdict

Medimas.app is a legitimate, lightweight front‑end to Spain’s medical financing ecosystem. It makes discovery easy and keeps roles clear: it is a broker, not a lender. If you need to finance a treatment now and you meet common Spanish consumer‑lending prerequisites (DNI/NIE, local phone, bank account), Medimas can save time by steering you to lenders familiar with medical‑purpose loans. As with any broker, treat on‑site numbers as illustrative and always confirm the SECCI on the lender’s page before committing.

Not financial advice. Borrow responsibly; medical credit should be a bridge to health, not a long‑term burden.