Updated October 14, 2026 · BorrowCue Editorial Team
Fidea vs Multitude
Fidea vs Multitude: the differences
| Compare | Fidea ReviewVisitVisit |  Multitude |
|---|---|---|
| APR | 0% to 212%Lower | 30.31% to 57.26% |
| Loan amount | €500 to €60,000 | SEK 10,000 to SEK 50,000 |
| Term | 3 to 60 monthsHigher | 12 months |
| Arrangement fee | 0 EUR | 565 SEK |
| Funding time | A few hours after approval | Within one bank day of approval |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | 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 Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application |
| Loan types | Personal, Payday, Debt consolidation | Credit line, Personal |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard), Use cases (Home improvement).
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Key differences
- Fidea scores higher overall: 8.9 vs 8.8.
- Multitude is available in 12 more countries.
- APR is lower at Fidea: 0% to 212% vs 30.31% to 57.26%.
- Term is higher at Fidea: 3 to 60 months vs 12 months.
- Support channels: only Fidea offers Phone, Email.
- Support channels: only Multitude offers Chat.
- Features: only Multitude offers Credit line.
- Loan types: only Fidea offers Payday, Debt consolidation.
- Loan types: only Multitude offers Credit line.
Our verdict on each
Fidea
Fidea suits Spanish residents who want a fee-free personal, payday or debt consolidation loan funded within hours rather than the lowest possible rate. With an origination fee of 0 EUR and APR running 0% to 212%, it is a speed play for borrowers who can handle a hard credit check.
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 | Fidea | Multitude |
|---|---|---|
| Cost | 9.7HigherOrigination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 8.3 |
| Offer | 8.9 | 9.0Higher |
| Trust | 8.3 | 9.1Higher |
From lowest to highest
| Fact | Fidea | Multitude |
|---|---|---|
| APR | 0% to 212% | 30.31% to 57.26% |
Licences and countries
| Country | Fidea | Multitude |
|---|---|---|
| Malta | Not confirmed |
Additional countries for Fidea: 1. Additional countries for Multitude: 13.
How they place
| Ranking | Fidea | Multitude |
|---|---|---|
| Personal loans | 18 of 1920 | 30 of 1920 |
| Home improvement loans | 8 of 562 | 13 of 562 |
Every fact side by side
| Fact | Fidea | Multitude |
|---|---|---|
| Features | Same day funding | Credit line, Same day fundingCovers more |
| Legal entity | Finceptiv OU (reg. 14563072) | Multitude Bank p.l.c. |
| Headquarters | Estonia | Malta |
| Founded | Not confirmed | 2005 |
| Support channels | Phone, Email, Help centre | Chat, Help centre |
Where each stands against the rest
| Fact | Fidea | Multitude | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 30.31% to 57.26%highest quarter | 8.99 |
| Term | 3 to 60 monthsat the median | 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1144 listed lenders.
Pros and cons
Fidea
Pros
- No fee comes off the top: the origination fee is 0 EUR and the percentage fee is 0%.
- Funds move A few hours after approval, which is where Fidea outruns slower lenders.
- One application covers personal, payday and debt consolidation and amounts of €500 to €60,000 over terms of 3 to 60.
Cons
- APR runs 0% to 212%, and the representative example ends with a total repayable far above the amount borrowed on a modest sum.
- Applications use a hard credit check (hard), so a refusal is on file and cannot be quietly undone.
- Fidea is a broker, broker, which means the lender, the final rate and the contract terms are set elsewhere after you apply.
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
Fidea
Who it suits
- Residents of Spain holding a DNI or NIE with a Spanish bank account, a mobile number and an email.
- Borrowers with a thin credit file who can live with a hard credit check in exchange for A few hours after approval.
- Anyone planning a home project who wants the fee side of the deal to read 0 EUR.
Who should look elsewhere
- Rate hunters with a strong file: Monzo Flex shows 10% to 23%, far below the top of Fidea's range.
- Borrowers who want one named lender and stated terms up front, since Fidea is a broker and Monzo Flex lists its own range of 10% to 23%.
- Anyone comparing beyond a single market: Cashspace lists PHP 12 to PHP 36, quoted in a different currency for a different set of borrowers.
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 | Fidea | 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
Fidea
Does Fidea charge an arrangement or origination fee?+
No. The origination fee is 0 EUR and the percentage fee is 0%, so nothing is deducted before the loan is paid out. What you pay is interest, and the number to check is the representative example, which on a modest sum shows a total repayable well above the amount borrowed.
What APR will I actually pay?+
Fidea quotes APR of 0% to 212%, a wide spread that reflects the partner lender you are matched with rather than a single Fidea price. For context, the median across the personal loans compared here is 12.25%, so treat the lower end as the realistic target and the upper end as what a thin file can be charged.
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.
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