Medimas

1. Introduction

Medimas is a Spain-facing online platform focused on medical financing and related healthcare access. Its homepage presents the service as a link between patients, healthcare providers, insurers, and financing entities, with two main consumer-facing areas: medical financing and health insurance.

This matters because Medimas is not a classic payday lender in the narrow sense. It is closer to a specialized financing broker for medical needs. A user may come to Medimas because they need funding for treatment, surgery, dental work, medical products, or similar health-related costs and want to compare available partner offers without applying separately to many finance companies. The privacy policy explicitly mentions financing reasons such as medicine, surgery, and medical products.

The main strengths are clear. Medimas is free to use, fully online, built around partner matching, and specialized in a real consumer need: financing healthcare expenses that may not wait. The main weaknesses are also clear. Because it is not the lender, the exact loan amount, APR, repayment schedule, payout speed, repayment method, and late-payment consequences depend on the selected partner. Approval is also not guaranteed.

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2. What kind of organization is this

The brand presented to the user is MediMas, but the legal operator named in the terms and privacy policy is Checkest OÜ, registered in Estonia under number 16607023, with registered address Pärnu mnt 18, Tallinn, Estonia. The homepage footer uses the English form “Checkest Ltd,” while the legal pages use the Estonian form “Checkest OÜ.” Both point to the same Tallinn address.

Medimas states that it provides a platform that lets users choose among different financial products available in the market, including products from non-affiliated partners and third-party services shown for comparison purposes. It also states that it is not a creditor, not a provider of financial products, not a financial advisor, and not an agent of creditors. It does not offer financial products directly, does not approve them, and is not part of the final loan agreement.

So the correct classification is:

Category

Best description

Bank

No

Direct lender

No

Payday lender

No, not directly

Salary advance service

No

Fintech comparison platform

Yes

Loan broker / lead generator

Yes

Medical-financing search engine

Yes

This service is aimed at individual consumers in Spain who want financing options for healthcare-related expenses. It appears to work online only. The official pages reviewed do not present branch offices, in-person underwriting, or cash-desk loan servicing.

In market-positioning terms, Medimas is niche-oriented. It is not trying to be a generic payday-loan brand first. It is trying to be a healthcare-financing gateway. That specialization can be useful if the borrower specifically needs financing for treatment rather than general cash. That said, the platform still carries the same structural limitation as any broker: the important loan terms belong to the partner lender, not to Medimas.

3. How the service works

Medimas’ product structure is marketplace-based. The terms say the platform lets users compare financial offers from partners and some third-party services. It builds a user profile from submitted personal data and past financial behavior, compares that profile with partner lending criteria, and then shows the partner or partners most likely to match the request.

This is important for understanding what Medimas actually does. It is not offering one standard “Medimas loan.” Instead, it is using profiling and automated matching to connect the borrower with lenders or finance providers that may be willing to fund the requested healthcare expense. The privacy policy says Medimas creates a credit profile and scoring model, compares it to partner requirements, and may conclude that there are many possible partners, one partner, or no partner at all.

The process is fully online. The homepage says users can get the best offers “in minutes.” The terms say partner processing and granting time depend on the individual partner. That means the front-end comparison is fast, but the actual timing of approval and funding remains partner-specific.

Medimas is therefore best understood as a medical-financing marketplace, not as a lender. It can potentially route users to:

• short-term medical loans,

• installment-style medical financing,

• healthcare-related personal credit,

• insurance-linked healthcare options.

The exact product depends on the partner matched to the user profile.

4. How to get a loan

Below is the practical step-by-step process based on Medimas’ own legal and support pages.

Registration

The terms say the service lets users create a profile and use the platform as a natural person. The privacy policy says Medimas collects personal data when a user creates an account or completes a loan request through the site.

Filling in the application

The privacy policy gives a fairly detailed picture of the information Medimas may collect and process:

• identification data,

• contact data,

• employment data,

• education data,

• financial data,

• communications data,

• account login data,

• purpose of financing,

• credit-history data,

• other data related to the loan request.

For a normal user, that means the application is more than a simple “name and phone” form. It can involve real profiling.

Identity verification

The support page says only people with a local identification document, specifically NIF or NIE, can submit a loan request. The privacy policy also says Medimas may take steps needed to verify email, phone number, identity, monthly expenses, or income.

Income or employment confirmation

The privacy policy says Medimas may process:

• employer information,

• type of employment relationship,

• salary payment date,

• salary amount,

• income,

• expenses,

• bank-account data.

That means income and affordability checks are part of the service model, even if the final underwriting belongs to the partner lender.

Choosing the loan amount and term

This is where things become less precise. The official Medimas pages reviewed do not publish a clear public amount range, term range, or APR range for all financing partners. The site repeatedly states that all financial-product information is only informational and that real terms are determined by the partner.

So the practical rule is: the user can request financing for a medical need, but the amount and term must be confirmed in the partner offer.

Signing the agreement

The agreement is signed with the partner lender, not with Medimas. The terms state clearly that Medimas is not part of any loan agreement concluded with a partner.

Receiving the funds

Funds are sent by the partner lender. Medimas states that the partner performs the application analysis and that the processing and granting period depend on that partner.

How long the process usually takes

The site markets speed at the comparison stage. The medical-financing page says the best offers are in your hand in minutes. But the formal terms are more careful: actual processing and granting depend on the individual partner.

Is approval automatic or manual

Medimas uses automated profiling and scoring to match users with partners. The privacy policy describes automated profiling, scoring assignment, and partner comparison logic in detail. But actual loan approval is still up to the partner lender.

Can bad-credit borrowers apply

Yes, they may apply. The privacy policy explicitly mentions use of ASNEF credit-record data and partner solvency information in the profile-building process. That does not mean approval is guaranteed. It means Medimas can process that data and try to match the user accordingly.

5. Loan requirements and eligibility

The clearest eligibility points exposed on Medimas’ official pages are these:

Requirement

What Medimas publicly indicates

Minimum age

At least 18

Legal capacity

Must be able to enter a binding contract

Residency

Must be able to use the service legally in place of residence; site is Spain-facing

ID document

Local NIF or NIE

Phone number

Local mobile number only

Email

Required for support and account verification processes

Financial data

May be required

Income / employer details

May be required

Bank account

May be processed as part of financing profile

The terms say the user must be a natural person, at least 18 years old, and able to use the services legally in their place of residence. The support page adds that only persons with local ID (NIF or NIE) and a local mobile number can submit a loan request.

Required documents and data can include:

• DNI / NIF / NIE,

• email,

• local mobile number,

• address,

• employment details,

• salary information,

• bank-account information,

• financing purpose,

• credit-history information.

Official salaried employment is not explicitly described as a universal hard requirement, but employment and income data are clearly relevant. Self-employed users may be able to apply, but the site does not publish a separate self-employed policy. Because Medimas is only the matching layer, acceptance of self-employed profiles will depend on partner criteria.

6. Loan terms and conditions

This is the section where borrowers need the most caution.

Medimas does not publish one standard loan tariff. It repeatedly states that:

• all financial-product information is informational only,

• the final terms are determined by the partner,

• the partner may not offer the best possible market terms,

• approval is not guaranteed.

What is known publicly

Item

Public Medimas position

Direct lender status

No

Product type

Partner financial products, including loans

Public amount range

Not clearly published on official pages reviewed

Public term range

Not clearly published on official pages reviewed

Public APR range

Not clearly published on official pages reviewed

First-loan promotion

Not clearly published

Final terms

Determined by partner

Approval

Not guaranteed

Minimum and maximum loan amount

I could not verify a reliable official public amount range from Medimas’ own pages reviewed here. Third-party sites may claim specific numbers, but the official site itself does not clearly publish a platform-wide amount range in the visible text reviewed. That means conditions may vary and must be checked in the live partner offer.

Loan term

The same applies to loan term. The partner determines the real repayment period. Medimas’ own support page says that for questions such as loan amount, loan period, or payment schedule, the borrower should contact the creditor that made the offer or provided the credit.

Interest rate and APR

No official platform-wide APR table was visible in the reviewed Medimas pages. The site explicitly says financial-product details, including interest rates, are for information only and actual terms are determined by the partner.

First-loan conditions

No verified official first-loan-free or first-loan-discount structure was visible in the reviewed Medimas pages. Borrowers should not assume such a promotion exists unless it appears in the partner contract.

Penalties for late payment

Medimas does not publish one common late-payment tariff because it is not the lender. Any penalty, default interest, debt collection, or reporting consequence belongs to the partner lender and must be checked in the final contract.

Extension / rollover options

Also partner-specific. The reviewed official pages do not provide one platform-wide extension rule.

Early repayment rules

Also partner-specific. No universal early-settlement policy was visible in the reviewed official pages.

Hidden fees or service charges

Medimas says the use of its website and services is free. That means the broker/comparison layer does not charge the user. It does not mean the underlying loan has no fees or charges.

7. Supported payout methods: how users can receive the loan

Because Medimas is not the lender, payout methods depend on the selected partner. The reviewed official pages do not publish a single payout-method table for all lenders.

Still, the privacy policy confirms that bank-account data is part of the financial profile Medimas may process. That makes ordinary bank payout the most likely standard route.

Payout method

What can be said safely

Bank account

Most likely standard method

IBAN / local transfer

Likely

Bank card payout

Not clearly confirmed

E-wallets

Not clearly confirmed

Mobile wallets

Not clearly confirmed

Cash pickup

Not clearly confirmed

Local payment systems

Not standardized by Medimas

The most common and most realistic receiving method is therefore likely a transfer to the borrower’s own bank account. Name matching should be assumed. There is no evidence in the reviewed official pages that third-party accounts or third-party cards are normally supported.

8. Supported repayment methods: how to repay the loan

This is one of the most important practical sections.

You do not repay Medimas. You repay the lender that offered or granted the loan. The support page says directly that if you have a question about the loan amount, loan period, or payment schedule, you should contact the creditor that made the loan offer or provided the credit.

That means Medimas does not have one standardized repayment system for all loans.

Repayment method

Platform-wide assessment

Bank transfer

Possible through partner lenders

Card repayment

Possible through partner lenders

Mobile app

Not standardized by Medimas

Personal account on website

Likely at lender level, not Medimas-wide

E-wallet repayment

Not clearly confirmed

ATM / terminal repayment

Depends on lender

Cash desk / branch payment

Depends on lender

Local payment systems

Partner-specific

What requisites are needed

Because repayment is lender-controlled, borrowers should expect to need:

• contract number,

• borrower ID,

• payment reference,

• exact amount due,

• due date,

• bank account or payment link provided by the lender.

This is practical guidance derived from Medimas’ broker structure and from its own instruction to contact the creditor about payment schedules.

How to fill in payment details correctly

Use only the lender’s official instructions. Do not rely on Medimas’ general marketing pages for repayment routing. Copy the payment reference exactly and keep proof of payment.

How long repayment may take to reflect

Medimas does not publish one universal posting timetable. Reflection time depends on the partner and the payment method used.

What happens if payment is delayed

The lender’s own late-payment rules apply. Those should be checked in the final partner contract before signing.

Should the borrower keep receipts

Yes. In any broker-style financing flow, keeping receipts, screenshots, lender emails, and contract copies is basic self-protection. That is especially important when the platform itself does not service the debt.

9. Advantages and disadvantages

Advantages

Disadvantages

Specialized in medical financing

Not a direct lender

Free to use

Exact terms are not standardized

Fully online

No public platform-wide amount/APR table visible in reviewed pages

Fast matching logic

Approval is not guaranteed

Can compare different partner offers

Repayment rules are lender-specific

Can process medical-purpose financing

Support timing for non-loan questions can be slow

Uses automated matching and scoring

Borrower still carries the burden of checking lender terms

These points follow directly from Medimas’ own legal and support pages.

10. Who this service may suit

Medimas may suit:

• users who need financing specifically for medical treatment or healthcare expenses,

• users who want to compare options without applying one by one to many finance providers,

• users who need online-only access,

• users comfortable reviewing a partner lender’s contract carefully before signing.

It may be a poor fit for:

• users who want one clearly defined direct-lender product,

• borrowers who want a simple in-house repayment system,

• anyone who needs total cost clarity before entering a partner-matching flow,

• anyone under serious financial stress who should avoid short-term borrowing unless absolutely necessary.

11. Risks and important things to check before applying

The first thing to check is the real total cost in the partner’s own offer. Medimas’ site makes clear that final terms are determined by the partner.

The second thing to check is the late-payment regime. Medimas does not publish one house penalty structure because it is not the lender. The lender contract controls this.

The third thing to check is whether the financing is suitable only for a short-term or urgent medical need. Medical financing can be useful, but it should not be used casually. If the treatment is urgent and necessary, financing may solve a real access problem. If repayment is uncertain, it can create a second problem: debt stress.

The fourth thing to check is your payment details after disbursement. Since repayment goes to the partner lender and not to Medimas, mistakes in references or bank details can create avoidable arrears.

The fifth thing to check is whether the service is right for you at all. Medimas is a comparison and matching layer. That is useful for searching. It is not a substitute for reading the final contract line by line.

Responsible borrowing applies here in a very direct way: use this kind of financing only if the healthcare need is real, the repayment plan is realistic, and the full cost is understood before signing.

12. Customer support and communication channels

Publicly visible support is limited but real.

Channel

Public detail

Website

medimas.app / medimas.es

Mobile app

Terms refer to mobile app and website

Email

Contact is handled through support form; no clear public support email exposed in reviewed pages

Phone

Not clearly published in reviewed pages

Online chat

Not clearly published

Working hours

No live-service hours published

Response time

Loan-application issues “as soon as possible”; other Medimas questions up to 30 business days; data-deletion requests up to 48 hours

The support page lets users select reasons for contact, including deleting data, problems with a loan request, questions about the loan, and other questions. For general Medimas-related questions, the site says it will try to reply as soon as possible, within a maximum of 30 business days. For data deletion, it says it may take up to 48 hours. For actual loan questions, it tells users to contact the creditor directly.

That means support exists, but it is not positioned as a fast, full-service loan-servicing desk. It is mainly support for the matching platform itself.

13. FAQ

What is Medimas?

Medimas is a Spain-facing online financing search platform focused on medical financing and related healthcare access. It connects users with partner financial providers.

Is it a direct lender or a broker?

It is a broker/comparison platform, not a direct lender. Medimas states that it is not a creditor and does not grant loans or make credit decisions.

How fast can I get money?

Medimas’ own matching stage is designed to be fast, with offers shown in minutes, but actual approval and funding time depend on the partner lender.

What documents do I need?

At minimum, a local ID document such as NIF or NIE and a local mobile number. Depending on the financing request, you may also need contact, employment, income, and bank-account information.

Can I get a loan with bad credit?

You may apply. Medimas processes ASNEF and solvency-related data in profiling and partner matching. Approval is not guaranteed.

What payment systems are supported for receiving money?

The most likely standard method is bank transfer to the borrower’s own bank account. Other payout methods are not clearly standardized on the reviewed official pages.

How can I repay the loan?

You repay the lender directly, not Medimas. The repayment method depends on the partner lender’s own system.

What requisites do I need for repayment?

Usually the lender’s contract number, payment reference, exact amount due, and official payment instructions. Keep all receipts.

Can I repay early?

Maybe, but early-repayment rules depend on the lender. Medimas does not publish one universal early-settlement policy.

What happens if I miss the due date?

The lender’s own late-payment rules apply. Medimas does not define one platform-wide penalty schedule.

Can I extend the loan?

Possibly, but only if the partner lender allows it. The reviewed Medimas pages do not publish one universal extension policy.

Is the first loan interest-free?

No official first-loan-free structure was clearly visible in the reviewed Medimas pages. Do not assume such a promotion exists unless the partner offer says so.

Can I receive money on someone else’s card or account?

There is no public evidence in the reviewed official pages that third-party payout is a normal supported option. Assume name matching is required unless the partner lender explicitly says otherwise.

How do I contact support?

Use the support/contact page on the Medimas site. It handles loan-application issues, loan questions, data deletion, and general questions.

Is this service safe to use?

It appears to be a real operating comparison platform with legal pages and disclosed ownership. The main risk is not whether it exists, but whether the partner lender’s terms are suitable and affordable for you.

14. Final conclusion

Medimas is best understood as a medical-financing comparison and matching platform for Spain, not as a direct payday lender or salary-advance provider. Its strongest points are specialization in healthcare-related financing, a free-to-use model, full online operation, and automated partner matching based on the user profile.

Its main limitations are structural. It does not issue the loan, does not set one public tariff table, does not provide one universal repayment method, and does not define one standard late-payment policy. All of those critical details belong to the lender you choose.

For a borrower who specifically needs financing for healthcare and wants to compare options quickly, Medimas can be useful. For someone who wants one transparent direct lender with one published cost schedule and one clear servicing system, it is the wrong type of service.

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