Updated September 30, 2026 · BorrowCue Editorial Team
Cashspace vs Multitude Bank p.l.c
Where Cashspace and Multitude Bank p.l.c differ
| Compare |  Cashspace |  Multitude Bank p.l.c |
|---|---|---|
| APR | ₱12 to ₱36 | 24.99% |
| Term | 2 to 4 months | 9 to 199 monthsHigher |
| Arrangement fee | 0 | 0 DKK |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | within minutes, 24/7 |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | Credit amount DKK 10,000 / 12 months: APR 24.99%, monthly payment DKK 934.96, total credit cost DKK 1,219.47 |
| Lender type | Broker | Direct lender |
| Eligibility | Applicants in the Philippines, valid ID required | Age 22+, Danish CPR number and registered address |
| Loan types | Personal, Payday, Credit lineCovers more | Personal, Credit line |
| Loan amount | ₱500 to ₱25,000 | Not confirmed |
| Credit check | Hard | Not confirmed |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
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Key differences
- Term is higher at Multitude Bank p.l.c: 9 to 199 months vs 2 to 4 months.
- Support channels: only Cashspace offers Email, Community.
- Loan types: only Cashspace offers Payday.
Our verdict on each
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
Multitude Bank p.l.c
Multitude Bank p.l.c suits borrowers in Denmark seeking flexible credit line borrowing with rapid access to funds around the clock and clear fixed pricing for planning repayments with confidence over time. Pricing sits at APR of 24.99% with repayment terms of 9 to 199 months for extended schedules.
Score breakdown
| Area | Cashspace | Multitude Bank p.l.c |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 9.1Cost reflects APR at 24.99% with 0% charge level. |
| Offer | 8.5Higher | 8.1Offer reflects personal and credit line with same day funding and credit line flexibility. |
| Trust | 8.3 | 9.3HigherTrust reflects direct lender status and 2005 history. |
From lowest to highest
| Fact | Cashspace | Multitude Bank p.l.c |
|---|---|---|
| Term | 2 to 4 months | 9 to 199 months |
Positions in our rankings
| Ranking | Cashspace | Multitude Bank p.l.c |
|---|---|---|
| Personal loans | 33 of 1932 | 29 of 1932 |
| Lines of credit | 7 of 328 | 4 of 328 |
Feature by feature
| Loan types | Cashspace | Multitude Bank p.l.c |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Credit line | Yes | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 2 to 4 months for Cashspace and 9 to 199 months for Multitude Bank p.l.c.
Sofkredit reviewEvery fact side by side
| Fact | Cashspace | Multitude Bank p.l.c |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Fininity OU | Multitude Bank p.l.c. |
| Headquarters | Estonia | Malta |
| Founded | Not confirmed | 2005 |
| Support channels | Email, Help centre, CommunityCovers more | Help centre |
Where each stands against the rest
| Fact | Cashspace | Multitude Bank p.l.c | Median |
|---|---|---|---|
| Loan amount | ₱500 to ₱25,000below the median | Not confirmed | ₱40,000 |
| Term | 2 to 4 monthslowest quarter | 9 to 199 monthshighest quarter | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Cashspace
Pros
- No origination fee, listed at 0 on personal, payday and credit line products.
- Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
- APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
Cons
- Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
- The credit check is hard, so an application puts a full search on the record.
- Support runs on email, help centre and community only, with no phone line or live chat listed.
Multitude Bank p.l.c
Pros
- Funding arrives within minutes, 24/7 with same day funding and credit line access for borrowers managing urgent spending needs.
- Origination fee of 0 DKK with level at 0% keeps upfront charges contained for personal and credit line.
- Free early repayment allows clearing balances ahead of schedule without extra charge across 9 to 199 months.
Cons
- Support runs on help centre only, which may suit borrowers comfortable with self service help around within minutes, 24/7.
- Pricing at 24.99% exceeds 23% from Mi Prestamo, which matters for rate sensitive borrowing over 9 to 199 months.
- Fixed pricing through fixed and fixed rate leaves limited choice for borrowers seeking variable terms over 9 to 199 months.
Who each suits
Cashspace
Who it suits
- Philippine residents with a valid ID who hold a thin or damaged credit file
- Borrowers who can settle a small balance within the short 2 to 4 window
- Anyone who needs a same-day payment and accepts a hard credit check
Who should look elsewhere
- People who need a long repayment term, since 2 to 4 caps the loan short
- Anyone wanting phone support, given email, help centre and community lists none
- Borrowers who would rather deal with a single lender than a broker
Multitude Bank p.l.c
Who it suits
- Residents who value rapid credit line access and accept support on help centre may prefer this brand over AXI Card Tarjeta y Credito for direct bank servicing.
- Borrowers planning extended repayment across 9 to 199 months with fixed pricing at 24.99% may prefer this brand over Ibancar Prestamos for schedule flexibility.
- Danish applicants meeting Age 22+, Danish CPR number and registered address who want personal and credit line from direct lender may prefer this brand over Mi Prestamo for account structure.
Who should look elsewhere
- Borrowers seeking phone based service rather than support on help centre may prefer Mi Prestamo for a different contact approach.
- Borrowers prioritising lower headline APR than 24.99% may prefer Ibancar Prestamos because its listed APR at 12.74% to 13.01% sits below this brand.
Country by country
| Country | Cashspace | Multitude Bank p.l.c |
|---|---|---|
| Denmark | No | Yes |
| Philippines | Yes | No |
Questions about each
Cashspace
What does Cashspace charge to take out a loan?+
Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.
How much can I borrow and how long do I have to repay?+
Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.
Multitude Bank p.l.c
What does borrowing cost?+
Fixed rate pricing applies at APR of 24.99% under fixed terms through fixed rate. The published representative example outlines monthly payment and total credit cost for planning. Fixed pricing helps borrowers anticipate repayment amounts across 9 to 199 months.
How fast is funding?+
Funding is described as within minutes, 24/7 with availability noted in same day funding and credit line. Credit line access allows repeated withdrawals within the agreed limit subject to checks. Timing can vary with verification and bank processing while direct lender manages disbursement.