Updated September 30, 2026 · BorrowCue Editorial Team
Multitude Bank p.l.c vs Vivus ES
Multitude Bank p.l.c vs Vivus ES: the differences
| Compare |  Multitude Bank p.l.c |  Vivus ES |
|---|---|---|
| APR | 24.99% | 0% to 3,752.4%Lower |
| Term | 9 to 199 monthsHigher | 7 to 30 months |
| Arrangement fee | 0 DKK | 0 EUR |
| Funding time | within minutes, 24/7 | up to 15 minutes after approval |
| Representative example | Credit amount DKK 10,000 / 12 months: APR 24.99%, monthly payment DKK 934.96, total credit cost DKK 1,219.47 | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Free early repayment | YesHas it | No |
| Eligibility | Age 22+, Danish CPR number and registered address | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Credit line | Payday, Personal |
| Loan amount | Not confirmed | €50 to €1,400 |
| Credit check | Not confirmed | Hard |
| Rate type | Fixed | Not confirmed |
Same on both: Lender type (Direct lender), Origination fee (%) (0%).
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Key differences
- Vivus ES scores higher overall: 9.0 vs 8.9.
- Founded is lower at Multitude Bank p.l.c: 2005 vs 2013.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 24.99%.
- Free early repayment: only Multitude Bank p.l.c.
- Term is higher at Multitude Bank p.l.c: 9 to 199 months vs 7 to 30 months.
- Support channels: only Vivus ES offers Phone, Email.
- Loan types: only Multitude Bank p.l.c offers Credit line.
- Loan types: only Vivus ES offers Payday.
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.
Vivus ES
Vivus ES suits adults in Spain covering a short gap who need money the same day and will clear the balance fast. The catch is price: the representative example shows an annual cost that would dwarf a longer personal loan, and free early repayment is no.
Score breakdown
| Area | Multitude Bank p.l.c | Vivus ES |
|---|---|---|
| Cost | 9.1Cost reflects APR at 24.99% with 0% charge level. | 9.2HigherOrigination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. |
| Offer | 8.1Offer reflects personal and credit line with same day funding and credit line flexibility. | 8.8Higher |
| Trust | 9.3HigherTrust reflects direct lender status and 2005 history. | 8.9 |
Where each is licensed and available
| Country | Multitude Bank p.l.c | Vivus ES |
|---|---|---|
| Malta | Not confirmed |
Additional countries for Multitude Bank p.l.c: 1. Additional countries for Vivus ES: 1.
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 24.99% for Multitude Bank p.l.c and 0% to 3,752.4% for Vivus ES.
FINANZCHECK.de reviewSources behind this comparison
Multitude Bank p.l.c
- ferratumbank.dk: 17 facts, checked September 30, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
How they place
| Ranking | Multitude Bank p.l.c | Vivus ES |
|---|---|---|
| Personal loans | 29 of 1932 | 25 of 1932 |
| Lines of credit | 4 of 328 | 3 of 328 |
Every fact side by side
| Fact | Multitude Bank p.l.c | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Multitude Bank p.l.c. | Vivus Financial Services, S.A.U. |
| Headquarters | Malta | Spain |
| Founded | 2005Lower | 2013 |
| Support channels | Help centre | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Multitude Bank p.l.c | Vivus ES | Median |
|---|---|---|---|
| APR | 24.99%highest quarter | 0% to 3,752.4%lowest quarter | 8.99% |
| Loan amount | Not confirmed | €50 to €1,400lowest quarter | €40,000 |
| Term | 9 to 199 monthshighest quarter | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 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.
Vivus ES
Pros
- No origination charge, with fees of 0 EUR and 0% on payday and personal loans
- Funding lands up to 15 minutes after approval, so a same day loan is realistic
- Direct lender, so direct lender means you deal with one company from application to repayment
Cons
- APR reaches 0% to 3,752.4%, and the representative example pairs a small loan with a very high annual cost
- Free early repayment is no, so settling early does not earn a rebate
- Loan amounts top out at €50 to €1,400, which limits what the product can cover
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.
Vivus ES
Who it suits
- Adults living in Spain with a Spanish bank account and no pending payments or debts
- Borrowers facing a short term expense they can clear within 7 to 30
- People who value quick access to cash more than a long term
Who should look elsewhere
- Anyone planning to carry the balance for a long period, since free early repayment is no and APR runs to 0% to 3,752.4%
- Borrowers who want a large sum, because amounts stop at €50 to €1,400
- Those who need a soft check, since the credit search here is hard
Current offers
Vivus ES
Current offer
First period offer
Primer prestamo de hasta 300 EUR sin intereses ni comisiones: 300 EUR, TAE 0%
Only for a first loan, repaid within a maximum of 30 days; approval subject to the lender's criteria
Source, checked September 26, 2026
Country by country
| Country | Multitude Bank p.l.c | Vivus ES |
|---|---|---|
| Denmark | Yes | No |
| 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.
Vivus ES
How much does a Vivus ES loan cost?+
The annual percentage rate runs from 0% to 3,752.4%, and the representative example shows a small loan over a single term generating a large slice of interest on top of the amount borrowed. There is no origination charge, since fees are 0 EUR and 0%. Cost is driven by the rate and the short term rather than by upfront charges.
Is there a fee for taking out a Vivus ES loan?+
No origination fee is listed: the fee is 0 EUR with a percentage of 0% for both the payday and personal loan. You still pay interest on top, and the representative example shows how much the rate adds to a small loan taken over a short term. Read the annual figure before borrowing, because that is where the cost sits.
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