Updated September 30, 2026 · BorrowCue Editorial Team
Multitude Bank p.l.c vs Solcredito
Where Multitude Bank p.l.c and Solcredito differ
| Compare |  Multitude Bank p.l.c |  Solcredito |
|---|---|---|
| APR | 24.99% | 0% to 3,752%Lower |
| Term | 9 to 199 monthsHigher | 3 to 60 months |
| Arrangement fee | 0 DKK | 0 EUR |
| Funding time | within minutes, 24/7 | Decision in 15 minutes, money in your bank account within a few hours |
| Representative example | Credit amount DKK 10,000 / 12 months: APR 24.99%, monthly payment DKK 934.96, total credit cost DKK 1,219.47 | 1,500.00 EUR credit line drawn in full at first draw, repaid in 12 instalments, 20.04% annual rate (1.67% monthly), resulting TAE 21.99%, no fees |
| Lender type | Direct lender | Broker |
| Eligibility | Age 22+, Danish CPR number and registered address | Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21) |
| Loan types | Personal, Credit line | Personal, Payday, Debt consolidation, Credit lineCovers more |
| Loan amount | Not confirmed | €50 to €5,000 |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Solcredito scores higher overall: 9.0 vs 8.9.
- Founded is lower at Multitude Bank p.l.c: 2005 vs 2011.
- Solcredito is available in 1 more country.
- APR is lower at Solcredito: 0% to 3,752% vs 24.99%.
- Term is higher at Multitude Bank p.l.c: 9 to 199 months vs 3 to 60 months.
- Support channels: only Solcredito offers Email.
- Loan types: only Solcredito offers Payday, Debt consolidation.
Our verdict on each
Multitude Bank p.l.c
Multitude Bank p.l.c suits borrowers in Denmark seeking flexible credit line borrowing with rapid access to funds around the clock and clear fixed pricing for planning repayments with confidence over time. Pricing sits at APR of 24.99% with repayment terms of 9 to 199 months for extended schedules.
Solcredito
Solcredito suits Spanish borrowers with a poor credit file needing a small amount quickly, and the arrangement fee on the personal loan offer is 0 EUR. It is a broker rather than a lender, so the rate depends on which lender answers, with rates running as high as 0% to 3,752%.
Score breakdown
| Area | Multitude Bank p.l.c | Solcredito |
|---|---|---|
| Cost | 9.1Cost reflects APR at 24.99% with 0% charge level. | 9.9Higher |
| Offer | 8.1Offer reflects personal and credit line with same day funding and credit line flexibility. | 8.4HigherA broker, not a lender, with fees of 0 EUR and rates of 0% to 3,752% against a site median of 12%. |
| Trust | 9.3HigherTrust reflects direct lender status and 2005 history. | 8.5 |
Side by side, item by item
| Loan types | Multitude Bank p.l.c | Solcredito |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | Yes |
Positions in our rankings
| Ranking | Multitude Bank p.l.c | Solcredito |
|---|---|---|
| Personal loans | 29 of 1932 | 59 of 1932 |
| Lines of credit | 4 of 328 | 9 of 328 |
Pick Multitude Bank p.l.c if, pick Solcredito if
Pick Multitude Bank p.l.c if trust and term matter most.
Pick Solcredito if cost, offer, apr, and loan types matter most.
Every fact side by side
| Fact | Multitude Bank p.l.c | Solcredito |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Multitude Bank p.l.c. | Fiizy OU (registration code 12694462) |
| Headquarters | Malta | Estonia |
| Founded | 2005Lower | 2011 |
| Support channels | Help centre | Email, Help centreCovers more |
Where each stands against the rest
| Fact | Multitude Bank p.l.c | Solcredito | Median |
|---|---|---|---|
| APR | 24.99%highest quarter | 0% to 3,752%lowest quarter | 8.99% |
| Loan amount | Not confirmed | €50 to €5,000lowest quarter | €40,000 |
| Term | 9 to 199 monthshighest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Multitude Bank p.l.c
Pros
- Funding arrives within minutes, 24/7 with same day funding and credit line access for borrowers managing urgent spending needs.
- Origination fee of 0 DKK with level at 0% keeps upfront charges contained for personal and credit line.
- Free early repayment allows clearing balances ahead of schedule without extra charge across 9 to 199 months.
Cons
- Support runs on help centre only, which may suit borrowers comfortable with self service help around within minutes, 24/7.
- Pricing at 24.99% exceeds 23% from Mi Prestamo, which matters for rate sensitive borrowing over 9 to 199 months.
- Fixed pricing through fixed and fixed rate leaves limited choice for borrowers seeking variable terms over 9 to 199 months.
Solcredito
Pros
- Arrangement fee of 0 EUR on the personal loan offer, and the representative example records no fees on the credit line
- A decision in minutes and money in the account within a few hours
- Accepts a poor credit profile, which covers a large share of the loans on the site
Cons
- The cost range runs up to 0% to 3,752%, well above the 25.03% upper quartile for personal loans on the site
- Solcredito is a broker, so the lender setting the rate is not named in the offer
- Support runs on email and help centre only, with no phone line listed
Who each suits
Multitude Bank p.l.c
Who it suits
- Residents who value rapid credit line access and accept support on help centre may prefer this brand over AXI Card Tarjeta y Credito for direct bank servicing.
- Borrowers planning extended repayment across 9 to 199 months with fixed pricing at 24.99% may prefer this brand over Ibancar Prestamos for schedule flexibility.
- Danish applicants meeting Age 22+, Danish CPR number and registered address who want personal and credit line from direct lender may prefer this brand over Mi Prestamo for account structure.
Who should look elsewhere
- Borrowers seeking phone based service rather than support on help centre may prefer Mi Prestamo for a different contact approach.
- Borrowers prioritising lower headline APR than 24.99% may prefer Ibancar Prestamos because its listed APR at 12.74% to 13.01% sits below this brand.
Solcredito
Who it suits
- Adults in Spain with a poor credit profile who need money in the account the same day
- Borrowers covering home improvement who can repay inside 3 to 60
- People who prefer written support through a help centre and email rather than by phone
Who should look elsewhere
- Borrowers with a strong credit file, who will find rates well under the 0% to 3,752% ceiling on a direct lender
- Anyone needing to borrow more than €50 to €5,000 or to repay over a longer period than 3 to 60
- Readers who want a named lender and a regulated protection scheme, neither of which appears for this broker
Current offers
Solcredito
Current offer
First period offer
Extra 5000 EUR desde 0% para eventos especiales / primer prestamo al 0% de interes: 0% interest, extra amount up to 5,000 EUR
New customers, first loan, promotional event offer
Source, checked September 26, 2026
First period offer
Extra $12,000 desde 0% para eventos especiales / primer prestamo desde 0% de interes (Mexico): 0% interest, extra amount up to 12,000 MXN
New customers, first loan, Mexico offer; deposit within 24hrs claimed
checked September 26, 2026
Country by country
| Country | Multitude Bank p.l.c | Solcredito |
|---|---|---|
| Denmark | Yes | No |
| Mexico | No | Yes |
| Spain | No | Yes |
Questions about each
Multitude Bank p.l.c
What does borrowing cost?+
Fixed rate pricing applies at APR of 24.99% under fixed terms through fixed rate. The published representative example outlines monthly payment and total credit cost for planning. Fixed pricing helps borrowers anticipate repayment amounts across 9 to 199 months.
How fast is funding?+
Funding is described as within minutes, 24/7 with availability noted in same day funding and credit line. Credit line access allows repeated withdrawals within the agreed limit subject to checks. Timing can vary with verification and bank processing while direct lender manages disbursement.
Solcredito
What rate will I pay through Solcredito?+
Annual rates run 0% to 3,752%, a wide spread that reflects the partner lenders Solcredito works with rather than one set price. The site's median personal loan rate is 12%. The representative example shows a credit line drawn in full, repaid over a set number of instalments at a stated annual rate and monthly rate, with the resulting TAE and no fees.
Are there arrangement fees or hidden costs?+
The arrangement fee is 0 EUR on the personal loan offer, and the representative example states no fees on the credit line it illustrates. A broker can still pass on lender costs inside the rate itself, so the figure to weigh is the TAE in any offer you receive.
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