Updated October 14, 2026 · BorrowCue Editorial Team
Fiesta Credito MX vs Multitude
Fiesta Credito MX vs Multitude: the differences
| Compare |  Fiesta Credito MX |  Multitude |
|---|---|---|
| APR | 0% to 3.752%Lower | 30.31% to 57.26% |
| Loan amount | MX$1,000 to MX$150,000 | SEK 10,000 to SEK 50,000 |
| Term | 1 to 36 monthsHigher | 12 months |
| Arrangement fee | 0 MXN | 565 SEK |
| Credit check | Soft prequal | Hard |
| Funding time | Deposited directly in your bank account in under 24 hours | Within one bank day of approval |
| Representative example | Personal loan of 10,000 MXN at a 12% annual rate over 6 months: monthly payment 1,732.98 MXN, total repayment 10,397.88 MXN, total CAT 12.001% | 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 | Ages 18 to 80, resident of Mexico, CURP, national bank account, email address and mobile number | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application |
| Loan types | Personal, Payday, Secured | Credit line, Personal |
| Rate type | Not confirmed | Variable |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Use cases (Home improvement).
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Key differences
- Fiesta Credito MX scores higher overall: 8.9 vs 8.8.
- Multitude is available in 12 more countries.
- APR is lower at Fiesta Credito MX: 0% to 3.752% vs 30.31% to 57.26%.
- Term is higher at Fiesta Credito MX: 1 to 36 months vs 12 months.
- Support channels: only Fiesta Credito MX offers Email, Phone.
- Support channels: only Multitude offers Chat.
- Features: only Multitude offers Credit line.
- Loan types: only Fiesta Credito MX offers Payday, Secured.
- Loan types: only Multitude offers Credit line.
Our verdict on each
Fiesta Credito MX
Fiesta Credito MX suits Mexican adults with a national bank account who want a small personal, payday or secured loan priced without an origination fee. Its 0% to 3.752% sits below the 12% most brands charge, though the 1 to 36 cap keeps large balances costly to clear.
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 | Fiesta Credito MX | Multitude |
|---|---|---|
| Cost | 9.7HigherFees are 0 MXN with a percentage fee of 0%, and borrowing is priced at 0% to 3.752%. | 8.3 |
| Offer | 8.5 | 9.0Higher |
| Trust | 8.3 | 9.1Higher |
Licences and countries
| Country | Fiesta Credito MX | Multitude |
|---|---|---|
| Malta | Not confirmed |
Additional countries for Fiesta Credito MX: 1. Additional countries for Multitude: 13.
From lowest to highest
| Fact | Fiesta Credito MX | Multitude |
|---|---|---|
| APR | 0% to 3.752% | 30.31% to 57.26% |
How they place
| Ranking | Fiesta Credito MX | Multitude |
|---|---|---|
| Personal loans | 36 of 1920 | 30 of 1920 |
| Home improvement loans | 15 of 562 | 13 of 562 |
Every fact side by side
| Fact | Fiesta Credito MX | Multitude |
|---|---|---|
| Features | Same day funding | Credit line, Same day fundingCovers more |
| Legal entity | Finceptiv OÜ | Multitude Bank p.l.c. |
| Headquarters | Estonia | Malta |
| Founded | Not confirmed | 2005 |
| Support channels | Email, Phone, Help centre | Chat, Help centre |
Where each stands against the rest
| Fact | Fiesta Credito MX | Multitude | Median |
|---|---|---|---|
| APR | 0% to 3.752%lowest quarter | 30.31% to 57.26%highest quarter | 8.99 |
| Term | 1 to 36 monthsbelow the median | 12 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1148 listed lenders.
Pros and cons
Fiesta Credito MX
Pros
- The origination fee is 0 MXN and the percentage fee is 0%, so the cost of setting up a loan is nothing.
- APR runs 0% to 3.752%, below the 12% across the site, which keeps the headline cost of a loan competitive.
- The credit check is a soft prequal search, so checking your rate does not carry the same weight as a hard search.
Cons
- Fiesta Credito MX is a broker, so a lender you never name is the one holding the loan and setting the final terms.
- The term runs 1 to 36, far shorter than the 60 typical of secured lending, so a large balance is expensive to clear.
- The credit needed is poor, and the bad credit market here runs a 19.98% APR against the 0% to 3.752% quoted here.
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
Fiesta Credito MX
Who it suits
- Adults living in Mexico with a CURP and a national bank account who need a personal or payday loan.
- Borrowers with poor credit who want a soft prequal check rather than a hard one before they apply.
- People funding home improvement work, the single stated use case on the home improvement list.
Who should look elsewhere
- Anyone wanting a long fixed term: the 1 to 36 window ends well short of the 60 seen across personal loan brands.
- Borrowers who want to know exactly who lends to them, because Fiesta Credito MX works as a broker.
- Readers priced off a flat rate, since Monzo Flex quotes 10% to 23% where Fiesta Credito MX runs its 0% to 3.752% at the bottom of the range.
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 | Fiesta Credito MX | 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
Fiesta Credito MX
What does a Fiesta Credito MX loan cost?+
There is no origination charge: the origination fee is 0 MXN and the percentage fee is 0%. Borrowing itself is priced at 0% to 3.752%, and the site-wide figure is 12%. A representative example is published for a personal loan, showing the annual rate, a fixed monthly payment and the total amount repaid.
How much can I borrow and for how long?+
Amounts run MXN 1,000 to MXN 150,000, so the range suits a household bill or a repair rather than a major project. The term is 1 to 36, which is short by the standards of this market. Personal, payday and secured loans are all available, and home improvement is the use case the brand highlights.
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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