Updated October 14, 2026 · BorrowCue Editorial Team
DKB (Deutsche Kreditbank) vs Multitude
Facts checked September 26, 2026.
What sets them apart
| Compare |  DKB (Deutsche Kreditbank) |  Multitude |
|---|---|---|
| APR | 6.99%Lower | 30.31% to 57.26% |
| Loan amount | €2,500 to €100,000 | SEK 10,000 to SEK 50,000 |
| Term | 12 to 120 monthsHigher | 12 months |
| Credit check | Soft prequal | Hard |
| Funding time | Privatkredit Sofort: usually within 30 minutes; Privatkredit Klassisch: within 1-2 days | Within one bank day of approval |
| Representative example | Nettodarlehensbetrag 15.000 Euro, Laufzeit 120 Monate, effektiver Jahreszins 6,99 % p. a., mtl. Rate 172,43 Euro, Gesamtbetrag 20.691,92 Euro | 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 |
| Rate type | Fixed | Variable |
| Eligibility | Of age and main residence in Germany; not self-employed or freelance; in permanent employment or on an indefinite pension; German mobile number and online-banking access to the salary account | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application |
| Loan types | Personal, Car, Debt consolidation | Credit line, Personal |
| Arrangement fee | Not confirmed | 565 SEK |
| Free early repayment | Yes | Not confirmed |
Same on both: Lender type (Direct lender), 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
- Founded is lower at DKB (Deutsche Kreditbank): 1990 vs 2005.
- Multitude is available in 12 more countries.
- APR is lower at DKB (Deutsche Kreditbank): 6.99% vs 30.31% to 57.26%.
- Term is higher at DKB (Deutsche Kreditbank): 12 to 120 months vs 12 months.
- Support channels: only DKB (Deutsche Kreditbank) offers Phone, Email.
- Features: only Multitude offers Credit line.
- Loan types: only DKB (Deutsche Kreditbank) offers Car, Debt consolidation.
- Loan types: only Multitude offers Credit line.
Our verdict on each
DKB (Deutsche Kreditbank)
DKB provides direct lending instead of passing applications between intermediaries, which keeps responsibility with one provider. It covers personal, car and consolidation borrowing for purchase, remortgage and home improvement, with soft prequalification and support across phone, chat, email and help centre.
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 | DKB (Deutsche Kreditbank) | Multitude |
|---|---|---|
| Cost | Not confirmed | 8.3 |
| Offer | 9.4Higher | 9.0 |
| Trust | 9.2Higher | 9.1 |
Where each is licensed and available
| Country | DKB (Deutsche Kreditbank) | Multitude |
|---|---|---|
| Germany | Not confirmed | |
| Malta | Not confirmed |
Available in 1 country for both. Additional countries for Multitude: 12.
What each covers
| Loan types | DKB (Deutsche Kreditbank) | Multitude |
|---|---|---|
| Personal | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | No | Yes |
| Car | Yes | No |
| Use cases | DKB (Deutsche Kreditbank) | Multitude |
|---|---|---|
| Home improvement | Yes | Yes |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
DKB (Deutsche Kreditbank)
382.66
382.66
Multitude
1,716.76 to 3,365.26
1,716.76 to 3,365.26
DKB (Deutsche Kreditbank) comes out 1,334.1 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
How they place
| Ranking | DKB (Deutsche Kreditbank) | Multitude |
|---|---|---|
| Personal loans | 16 of 1920 | 30 of 1920 |
| Home improvement loans | 7 of 562 | 13 of 562 |
Every fact side by side
| Fact | DKB (Deutsche Kreditbank) | Multitude |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Credit line, Same day fundingCovers more |
| Legal entity | Deutsche Kreditbank Aktiengesellschaft | Multitude Bank p.l.c. |
| Headquarters | Germany | Malta |
| Founded | 1990Lower | 2005 |
| Support channels | Phone, Chat, Help centre, EmailCovers more | Chat, Help centre |
Where each stands against the rest
| Fact | DKB (Deutsche Kreditbank) | Multitude | Median |
|---|---|---|---|
| APR | 6.99%below the median | 30.31% to 57.26%highest quarter | 8.99% |
| Term | 12 to 120 monthshighest quarter | 12 monthslowest quarter | 60 |
Median across 1144 listed lenders.
Pros and cons
DKB (Deutsche Kreditbank)
Pros
- Direct lender setup keeps application and servicing with one provider
- Covers purchase, remortgage and home improvement across varied personal needs
- Offers soft prequalification alongside phone, chat, email and help centre support
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
DKB (Deutsche Kreditbank)
Who it suits
- Borrowers seeking purchase, remortgage or home improvement funding
- Employees and pension recipients wanting a direct lending relationship
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
DKB (Deutsche Kreditbank)
Current offer
Discount code
Zinsvorteil of 0.15 percentage points when buying an existing property: 0.15 percentage points off the interest rate
Purchase of an existing property; see Zinsvorteil section
Source, checked September 26, 2026
Discount code
Zinsrabatt of 0.1 percentage points for Gruene Baufinanzierung: 0.1 percentage points off the interest rate
Energy-efficient property, green mortgage financing
Source, checked September 26, 2026
Country by country
| Country | DKB (Deutsche Kreditbank) | Multitude |
|---|---|---|
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
| Finland | No | Yes |
| Latvia | No | Yes |
| Malta | No | Yes |
8 of 13 countries where either is available.
Questions about each
DKB (Deutsche Kreditbank)
Who can apply for lending with DKB?+
Applicants need to have reached adulthood and work in permanent employment or receive an indefinite pension. Self employed and freelance work falls outside eligibility. Checks also ask for a local handset contact and digital entry to the account receiving wages.
Which products does DKB cover?+
The range centres on personal borrowing, including car funding and debt consolidation support. Purposes span purchase, remortgage and home improvement needs. Lending is arranged directly, so application and servicing stay with the same provider throughout.
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
- DKB (Deutsche Kreditbank) vs Oney Préstamos ES
- DKB (Deutsche Kreditbank) vs Sofkredit
- DKB (Deutsche Kreditbank) vs Quick Car Finance
- DKB (Deutsche Kreditbank) vs Prestamiau ES
- DKB (Deutsche Kreditbank) vs Ibancar Prestamos
- DKB (Deutsche Kreditbank) vs Fidea
- Multitude vs Multitude Bank p.l.c
- Multitude vs Qonto ES
- DKB (Deutsche Kreditbank) vs Youmoney
- DKB (Deutsche Kreditbank) vs Fiesta Credito
- DKB (Deutsche Kreditbank) 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