Updated October 14, 2026 · BorrowCue Editorial Team
Credityes ES vs Multitude
Credityes ES vs Multitude: the differences
| Compare |  Credityes ES |  Multitude |
|---|---|---|
| APR | 0% to 36%Lower | 30.31% to 57.26% |
| Loan amount | €100 to €5,000 | SEK 10,000 to SEK 50,000 |
| Term | 2 to 36 monthsHigher | 12 months |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 565 SEK |
| Funding time | Money in a few minutes after a positive decision | Within one bank day of approval |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 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 | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application |
| Loan types | Personal, Payday | Credit line, Personal |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | 0% | Not confirmed |
Same on both: Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Multitude is available in 12 more countries.
- APR is lower at Credityes ES: 0% to 36% vs 30.31% to 57.26%.
- Term is higher at Credityes ES: 2 to 36 months vs 12 months.
- Support channels: only Credityes ES offers Email.
- Support channels: only Multitude offers Chat, Help centre.
- Features: only Multitude offers Credit line.
- Loan types: only Credityes ES offers Payday.
- Loan types: only Multitude offers Credit line.
Our verdict on each
Credityes ES
Credityes ES suits borrowers in Spain who want a personal or payday loan with no arrangement fee and money in minutes of a decision, with rates of 0% to 36% set by the match. The trade-off is a modest ceiling of €100 to €5,000 and a broker model, so the lender sets the final rate.
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 | Credityes ES | Multitude |
|---|---|---|
| Cost | 9.7HigherArrangement fee is free for the customer, the origination charge of 0% is nil, and interest runs 0% to 36% on both loan types. | 8.3 |
| Offer | 8.3 | 9.0Higher |
| Trust | 8.3 | 9.1Higher |
How they place
| Ranking | Credityes ES | Multitude |
|---|---|---|
| Personal loans | 9 of 1920 | 30 of 1920 |
| Home improvement loans | 6 of 562 | 13 of 562 |
Every fact side by side
| Fact | Credityes ES | Multitude |
|---|---|---|
| Features | Same day funding | Credit line, Same day fundingCovers more |
| Legal entity | SIA DoAff | Multitude Bank p.l.c. |
| Headquarters | Latvia | Malta |
| Founded | Not confirmed | 2005 |
| Support channels | Chat, Help centre |
Where each stands against the rest
| Fact | Credityes ES | Multitude | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 30.31% to 57.26%highest quarter | 8.99 |
| Term | 2 to 36 monthsbelow the median | 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1144 listed lenders.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, because no commission is charged for selecting the loan, so nothing is added for putting it together.
- Rates of 0% to 36% start lower than Monzo Flex, which publishes a band of 10% to 23%.
- The representative example shows the total repayable equal to the amount borrowed, so the cheapest match costs nothing to carry.
Cons
- As a broker, Credityes ES leaves the final rate to the partner lender, so the published 0% to 36% is a starting point rather than an offer.
- Borrowing tops out at €100 to €5,000, well below the largest personal loan recorded on the site, €653,159.33.
- Support runs on email only, so a payment problem waits on a written reply instead of a phone line.
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
Credityes ES
Who it suits
- Borrowers living in Spain who need a personal or payday loan and want nothing added for the arrangement, provided they hold a bank account in their own name.
- Anyone covering a home improvement, since home improvement is listed among the uses.
- Cost-first readers who look at the total repayable before anything else, because the representative example shows nothing added to the amount borrowed.
Who should look elsewhere
- Not for a major renovation, where the ceiling of €100 to €5,000 falls well short of the largest personal loans on the site, €653,159.33, so a larger lender such as Monzo Flex is the fairer place to look.
- Not for a long repayment, because terms of 2 to 36 end well before the longest personal loans in the ranking, 480, so a longer provider is worth comparing first.
- Not for shoppers who want several rate bands side by side, since Cashspace sets out PHP 12 to PHP 36 while this service publishes a single range of 0% to 36%.
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.
Current offers
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
Source, checked September 26, 2026
Country by country
| Country | Credityes ES | 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
Credityes ES
Is there an arrangement fee or commission at Credityes ES?+
No. The arrangement fee is free for the customer, because the service charges no commission for selecting the loan, and the origination charge of 0% does not add to what you repay. What you see on an offer is interest set by the partner lender inside the published band of 0% to 36%.
What rate will I actually pay?+
The service publishes rates of 0% to 36% for personal and payday borrowing, and as a broker it sets a band rather than a single figure. The rate on your offer comes from the partner lender you are matched with. The representative example shows the cheapest end of that range, where the total repayable equals the amount borrowed.
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
Other matchups
- Credityes ES vs Oney Préstamos ES
- Credityes ES vs Sofkredit
- Credityes ES vs Prestamiau ES
- Credityes ES vs Ibancar Prestamos
- Credityes ES vs DKB (Deutsche Kreditbank)
- Credityes ES vs Fidea
- Multitude vs Multitude Bank p.l.c
- Multitude vs Qonto ES
- Credityes ES vs Youmoney
- Credityes ES vs Fiesta Credito
- Credityes ES vs Fiesta Credito MX
- Multitude vs Lendela
- Multitude vs BriteCap Financial
- Multitude vs Kredivo
- Multitude vs Moneyveo UA
- Multitude vs TF Bank
- Multitude vs Upgrade