Updated October 14, 2026 · BorrowCue Editorial Team
Credityes vs Multitude
Where Credityes and Multitude differ
| Compare |  Credityes |  Multitude |
|---|---|---|
| APR | 0% to 48%Lower | 30.31% to 57.26% |
| Loan amount | ₱1,000 to ₱25,000 | SEK 10,000 to SEK 50,000 |
| Term | 2 to 36 monthsHigher | 12 months |
| Arrangement fee | 0 PHP | 565 SEK |
| Funding time | A few minutes after confirmation | Within one bank day of approval |
| Representative example | 1,000 PHP for 3 months at 48% per year, commission 0 PHP, total repayable 1,120 PHP, APR 48% | 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 | Resident of the Philippines, aged 18 to 75, with a personal bank account, phone number, email address and valid ID document | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application |
| Loan types | Personal | Credit line, PersonalCovers more |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Variable |
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
- Credityes scores higher overall: 8.9 vs 8.8.
- Multitude is available in 12 more countries.
- APR is lower at Credityes: 0% to 48% vs 30.31% to 57.26%.
- Term is higher at Credityes: 2 to 36 months vs 12 months.
- Support channels: only Credityes offers Email.
- Support channels: only Multitude offers Chat.
- Features: only Multitude offers Credit line.
- Loan types: only Multitude offers Credit line.
Our verdict on each
Credityes
Credityes suits borrowers in the Philippines who want a small personal loan for home improvement and need the money quickly. Its origination fee is 0 PHP, but the APR runs to 0% to 48%, so the total cost is the trade-off to weigh.
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 | Multitude |
|---|---|---|
| Cost | 9.9Higher | 8.3 |
| Offer | 8.3APR 0% to 48% with an origination fee of 0 PHP and funding in A few minutes after confirmation. | 9.0Higher |
| Trust | 8.3 | 9.1Higher |
Which one suits you
Pick Credityes if cost, apr, and term matter most.
Pick Multitude if offer, trust, and loan types matter most.
Where each is licensed and available
| Country | Credityes | Multitude |
|---|---|---|
| Malta | Not confirmed |
Additional countries for Credityes: 1. Additional countries for Multitude: 13.
How they place
| Ranking | Credityes | Multitude |
|---|---|---|
| Personal loans | 8 of 1920 | 30 of 1920 |
| Home improvement loans | 5 of 562 | 13 of 562 |
Every fact side by side
| Fact | Credityes | Multitude |
|---|---|---|
| Features | Same day funding | Credit line, Same day fundingCovers more |
| Legal entity | SIA DOAFF (reg. No. 40203426084) | Multitude Bank p.l.c. |
| Headquarters | Latvia | Malta |
| Founded | Not confirmed | 2005 |
| Support channels | Email, Help centre | Chat, Help centre |
Where each stands against the rest
| Fact | Credityes | Multitude | Median |
|---|---|---|---|
| APR | 0% to 48%lowest quarter | 30.31% to 57.26%highest quarter | 8.99 |
| Term | 2 to 36 monthsbelow the median | 12 monthslowest quarter | 60 |
Median across 1144 listed lenders.
Pros and cons
Credityes
Pros
- The origination fee is 0 PHP, so there is no separate arrangement charge on top of the interest
- Loan amounts run PHP 1,000 to PHP 25,000, which suits a planned repair rather than a large renovation
- Terms of 2 to 36 let a borrower spread a home improvement bill rather than repay it at once
Cons
- The APR reaches 0% to 48%, well above the site median of 12% for personal loans
- Debt consolidation and credit lines are not among its loan types, which are personal
- A phone line is not among its support channels, which run email and help centre
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
Who it suits
- Borrowers in the Philippines funding a home improvement job worth up to PHP 1,000 to PHP 25,000
- Adults with a personal bank account, a phone number, an email address and valid ID who need cash in A few minutes after confirmation
- People who want a personal loan with an origination fee of 0 PHP rather than an arrangement fee
Who should look elsewhere
- Anyone wanting a long fixed repayment period, since terms stop at 2 to 36 while the site median is 36 months
- Borrowers who need a phone line, because a phone line is not among its support channels, email and help centre
- Readers looking for a low rate, since 0% to 48% sits far above the personal loan median of 12.25%
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
Current offer
First period offer
First loan with APR starting from 0%: APR starting from 0% on the first loan
Offer depends on the partner lending institution selected; final cost set by the entity that enters the contract
Source, checked September 26, 2026
Country by country
| Country | Credityes | 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
What does a Credityes personal loan cost in total?+
Interest is the whole of the cost on the representative example, since the origination fee is 0 PHP. The APR runs 0% to 48% on a loan of PHP 1,000 to PHP 25,000 repaid over 2 to 36, so the total repayable figure depends on the term you pick and the rate you are offered.
Is Credityes a lender or a broker?+
Credityes is a broker, not a direct lender, so it introduces you to a lender that then holds the loan contract. The contract you sign is with that lender, which is worth checking before you accept an offer, and the APR of 0% to 48% is what the lender charges.
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 vs Oney Préstamos ES
- Credityes vs Sofkredit
- Credityes vs Prestamiau ES
- Credityes vs Ibancar Prestamos
- Credityes vs DKB (Deutsche Kreditbank)
- Credityes vs Fidea
- Multitude vs Multitude Bank p.l.c
- Multitude vs Qonto ES
- Credityes vs Fiesta Credito
- Credityes 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