Updated October 14, 2026 · BorrowCue Editorial Team
Moneyveo UA vs Multitude
What sets them apart
| Compare |  Moneyveo UA |  Multitude |
|---|---|---|
| APR | 3.65% to 357.77%Lower | 30.31% to 57.26% |
| Loan amount | UAH 500 to UAH 50,000 | SEK 10,000 to SEK 50,000 |
| Term | 60 monthsHigher | 12 months |
| Arrangement fee | 0 UAH (0% of loan amount on first Smart loan) | 565 SEK |
| Funding time | 24/7, to any Ukrainian bank card immediately after contract signing | Within one bank day of approval |
| Rate type | Fixed | Variable |
| Eligibility | Ukrainian citizenship, age 18+, Ukrainian bank card, passport and tax ID, internet access | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application |
| Loan types | Personal, Payday, Credit lineCovers more | Credit line, Personal |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | 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 |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Poor | Not confirmed |
| Use cases | Not confirmed | Home improvement |
Same on both: Lender type (Direct lender).
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Key differences
- Moneyveo UA scores higher overall: 9.3 vs 8.8.
- Founded is lower at Multitude: 2005 vs 2013.
- Multitude is available in 12 more countries.
- APR is lower at Moneyveo UA: 3.65% to 357.77% vs 30.31% to 57.26%.
- Term is higher at Moneyveo UA: 60 months vs 12 months.
- Support channels: only Moneyveo UA offers Email, Phone.
- Loan types: only Moneyveo UA offers Payday.
Our verdict on each
Moneyveo UA
Moneyveo UA suits Ukrainian borrowers with thin credit files who need cash the same day, not anyone planning a long cheap loan. Rates are fixed and APR runs 3.65% to 357.77%, so the cost of borrowing depends heavily on the deal you are offered.
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 | Moneyveo UA | Multitude |
|---|---|---|
| Cost | 9.4HigherAPR of 3.65% to 357.77% against a payday median of 36.5%, on a fixed rate. | 8.3 |
| Offer | 9.8Higher | 9.0 |
| Trust | 8.9 | 9.1Higher |
Ranges side by side
| Fact | Moneyveo UA | Multitude |
|---|---|---|
| APR | 3.65% to 357.77% | 30.31% to 57.26% |
How they place
| Ranking | Moneyveo UA | Multitude |
|---|---|---|
| Personal loans | 86 of 1920 | 30 of 1920 |
| Lines of credit | 13 of 328 | 5 of 328 |
Every fact side by side
| Fact | Moneyveo UA | Multitude |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Credit line, Same day funding |
| Legal entity | TOV "MANIVEO SHVYDKA FINANSOVA DOPOMOGA" (EDRPU 38569246) | Multitude Bank p.l.c. |
| Headquarters | Ukraine | Malta |
| Founded | 2013 | 2005Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Chat, Help centre |
Where each stands against the rest
| Fact | Moneyveo UA | Multitude | Median |
|---|---|---|---|
| APR | 3.65% to 357.77%lowest quarter | 30.31% to 57.26%highest quarter | 8.99 |
| Term | 60 monthsat the median | 12 monthslowest quarter | 60 months |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1144 listed lenders.
Pros and cons
Moneyveo UA
Pros
- Money lands on any Ukrainian bank card right after the contract is signed
- Free early repayment, so paying off sooner costs nothing extra
- Arrangement fee of 0 UAH (0% of loan amount on first Smart loan) on the first Smart loan
Cons
- APR of 3.65% to 357.77% tops out far above the payday median of 36.5%
- The file is built for poor credit, so poor is the target rather than a strong profile
- Term of 60 is the longest most lenders on the list offer
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
Moneyveo UA
Who it suits
- Ukrainian citizens with a thin credit file and an urgent bill
- Borrowers happy to take a fixed rate on a personal, payday or credit line loan
- Anyone who can settle part of the balance early without a charge
Who should look elsewhere
- Borrowers wanting the lowest cost, who should compare rates on Monzo Flex at 10% to 23%
- Anyone needing a long term, since the 60 term outruns most rivals
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
Moneyveo UA
Current offer
First period offer
First Smart loan at 0.01% per day: 0.01% per day
First Smart loan, discount period 3-20 days, up to 50 000 UAH, no issuance commission
Source, checked September 26, 2026
Bonus
We give a better deal than competitors: +10% discount versus a competitor offer
Compared with a discount offered by another service; 10% increase over the competitor discount
Source, checked September 26, 2026
First period offer
Grace period: 3 extra days to repay
Grace period on the first loan
Source, checked September 26, 2026
Country by country
| Country | Moneyveo UA | 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
Moneyveo UA
What does Moneyveo charge to borrow?+
APR runs from 3.65% to 357.77% across personal, payday and credit line loans on a fixed rate, fixed. The arrangement fee is 0 UAH (0% of loan amount on first Smart loan), so the first Smart loan carries none. Early repayment is free, which keeps the total down if the money comes back early.
How fast is the money?+
Funding runs day and night straight to any Ukrainian bank card, immediately after the contract is signed. Same day funding is one of the features listed for the brand, same day funding and credit line, which is the main reason borrowers choose it over a bank that pays out in days.
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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