Updated October 14, 2026 · BorrowCue Editorial Team
Cashspace vs Multitude
Cashspace vs Multitude: the differences
| Compare |  Cashspace |  Multitude |
|---|---|---|
| APR | ₱12 to ₱36 | 30.31% to 57.26% |
| Loan amount | ₱500 to ₱25,000 | SEK 10,000 to SEK 50,000 |
| Term | 2 to 4 months | 12 monthsHigher |
| Arrangement fee | 0 | 565 SEK |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | Within one bank day of approval |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | Ferratum Credit: 23 000 SEK over 12 monthly instalments, effective rate 37.68%, total to repay 27 013,83 SEK, setup fee 565 SEK and account fee 59 SEK per month |
| Lender type | Broker | Direct lender |
| Eligibility | Applicants in the Philippines, valid ID required | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application |
| Loan types | Personal, Payday, Credit lineCovers more | Credit line, Personal |
| Rate type | Not confirmed | Variable |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Cashspace scores higher overall: 8.9 vs 8.8.
- Multitude is available in 12 more countries.
- Term is higher at Multitude: 12 months vs 2 to 4 months.
- Support channels: only Cashspace offers Email, Community.
- Support channels: only Multitude offers Chat.
- 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
Multitude is a listed European fintech group whose homepage describes consumer banking through Ferratum, SME banking through CapitalBox and wholesale banking through Multitude Bank. The parent site is not itself a single retail loan offer. Country and product terms need to be checked with the relevant operating business.
Score breakdown
| Area | Cashspace | Multitude |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 8.3 |
| Offer | 8.5 | 9.0Higher |
| Trust | 8.3 | 9.1Higher |
Feature by feature
| Loan types | Cashspace | Multitude |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | No |
| Credit line | Yes | Yes |
Where each is licensed and available
| Country | Cashspace | Multitude |
|---|---|---|
| Malta | Not confirmed |
Additional countries for Cashspace: 1. Additional countries for Multitude: 13.
A third option
Sofkredit has term at 6 to 240 months, against 2 to 4 months for Cashspace and 12 months for Multitude.
Sofkredit reviewWhat we checked
Cashspace
- cashspace.ph: 15 facts, checked September 26, 2026
Multitude
- ferratum.se: 15 facts, checked September 26, 2026
- ferratum.de: 2 facts, checked September 26, 2026
How they place
| Ranking | Cashspace | Multitude |
|---|---|---|
| Personal loans | 33 of 1920 | 30 of 1920 |
| Lines of credit | 7 of 328 | 5 of 328 |
Every fact side by side
| Fact | Cashspace | Multitude |
|---|---|---|
| Features | Same day funding, Credit line | Credit line, Same day funding |
| Legal entity | Fininity OU | Multitude Bank p.l.c. |
| Headquarters | Estonia | Malta |
| Founded | Not confirmed | 2005 |
| Support channels | Email, Help centre, Community | Chat, Help centre |
Where each stands against the rest
| Fact | Cashspace | Multitude | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | 12 monthslowest quarter | 60 |
Median across 1144 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
Pros
- The site distinguishes three business units and provides separate contact routes.
- The parent company positions itself as a digital financial services group.
Cons
- The captured material does not describe specific consumer credit terms or country level eligibility.
- Licensing and product terms for one subsidiary cannot be inferred from the parent overview.
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
Who it suits
- People trying to identify which Multitude business unit offers a particular service.
Who should look elsewhere
- Borrowers seeking a direct rate or loan comparison from the group homepage.
Country by country
| Country | Cashspace | Multitude |
|---|---|---|
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
| Germany | No | Yes |
| Latvia | No | Yes |
8 of 14 countries where either is available.
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
Which businesses does Multitude list?+
The parent site lists Ferratum for consumer banking, CapitalBox for SME banking and Multitude Bank for wholesale banking.
Does this page give consumer loan rates?+
No. The captured parent pages do not provide product specific rates or repayment terms.
Other options to compare
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