Updated September 30, 2026 · BorrowCue Editorial Team
Multitude Bank p.l.c vs Vivus
Multitude Bank p.l.c vs Vivus: the differences
| Compare |  Multitude Bank p.l.c |  Vivus |
|---|---|---|
| APR | 24.99%Lower | 44.5% |
| Term | 9 to 199 monthsHigher | 3 to 60 months |
| Arrangement fee | 0 DKK | 0 EUR (credit line disbursement fee) |
| Funding time | within minutes, 24/7 | Within 5 minutes of approval; same day if the bank is in the instant payment system and the request is before 16:00 on a working day, otherwise next working day |
| Representative example | Credit amount DKK 10,000 / 12 months: APR 24.99%, monthly payment DKK 934.96, total credit cost DKK 1,219.47 | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Eligibility | Age 22+, Danish CPR number and registered address | Permanent residents of the Republic of Latvia aged 18-75 with a Latvian personal code, no overdue payments or debts, sufficient regular income, plus a valid mobile number, email and bank account. |
| Loan types | Personal, Credit line | Personal, Payday, Car |
| Loan amount | Not confirmed | €50 to €10,000 |
| Credit check | Not confirmed | Hard |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Origination fee (%) (0%).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.9.
- Founded is lower at Multitude Bank p.l.c: 2005 vs 2008.
- APR is lower at Multitude Bank p.l.c: 24.99% vs 44.5%.
- Term is higher at Multitude Bank p.l.c: 9 to 199 months vs 3 to 60 months.
- Support channels: only Vivus offers Chat, Phone, Email.
- Loan types: only Multitude Bank p.l.c offers Credit line.
- Loan types: only Vivus offers Payday, Car.
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
Vivus suits Latvian residents with a good credit file who need money for a home improvement quickly. It is a fast, fixed rate lender with free early repayment, but the headline rate of 44.5% is the price tag that puts it behind cheaper lenders.
Score breakdown
| Area | Multitude Bank p.l.c | Vivus |
|---|---|---|
| Cost | 9.1HigherCost reflects APR at 24.99% with 0% charge level. | 9.0APR of 44.5% sits far above the site median of 12%, though the credit line disbursement fee is 0 EUR (credit line disbursement fee). |
| Offer | 8.1Offer reflects personal and credit line with same day funding and credit line flexibility. | 8.9Higher |
| Trust | 9.3HigherTrust reflects direct lender status and 2005 history. | 9.1 |
Which one suits you
Pick Multitude Bank p.l.c if apr and term matter most.
Pick Vivus if offer matter most.
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Multitude Bank p.l.c
4,311.63
4,311.63
Vivus
8,277.48
8,277.48
Multitude Bank p.l.c comes out 3,965.85 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 30, 2026.
How they place
| Ranking | Multitude Bank p.l.c | Vivus |
|---|---|---|
| Personal loans | 29 of 1932 | 24 of 1932 |
| Lines of credit | 4 of 328 | 2 of 328 |
Sources behind this comparison
Multitude Bank p.l.c
- ferratumbank.dk: 17 facts, checked September 30, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Every fact side by side
| Fact | Multitude Bank p.l.c | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Multitude Bank p.l.c. | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Malta | Latvia |
| Founded | 2005Lower | 2008 |
| Support channels | Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Multitude Bank p.l.c | Vivus | Median |
|---|---|---|---|
| APR | 24.99%highest quarter | 44.5%highest quarter | 8.99% |
| Loan amount | Not confirmed | €50 to €10,000below the median | €40,000 |
| Term | 9 to 199 monthshighest quarter | 3 to 60 monthsat 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
Pros
- Free early repayment, so a borrower who finishes ahead of schedule is not penalised for it
- Repayments are fixed under fixed on a fixed rate basis, so the monthly figure holds for the whole term
- A revolving credit line sits under same day funding and credit line and its percentage fee is 0%, so drawing and repaying the line adds nothing extra
Cons
- The annual percentage rate of 44.5% sits well above the 12% median across the site and well above 10% to 23% at Monzo Flex
- A hard credit check with a good credit requirement narrows who gets an offer, and eligibility also rules out anyone with overdue payments or debts
- The products listed are personal, payday and car, so there is no stated route for consolidating other debts into one payment
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
Who it suits
- Latvian residents with a steady income and a good credit file who need a modest sum quickly and can clear it early
- Borrowers funding a home improvement who want one fixed repayment and a revolving line to draw on as costs build up
- Readers who value a direct lender relationship and phone support more than the lowest headline rate
Who should look elsewhere
- Not for anyone shopping on rate alone, since Monzo Flex quotes 10% to 23% against the 44.5% on this lender
- Not for a like for like price comparison with Cashspace, where PHP 12 to PHP 36 is quoted in another currency
- Not for applicants with a thin credit record, because a hard check and a good requirement set a firm bar
Current offers
Vivus
Current offer
Bonus
Cancelled fee for expedited disbursement: 0 EUR (fee for accelerated payout cancelled/waived)
Shown site-wide next to the client profile login; disbursement fee for the credit line is 0 EUR
Source, checked September 26, 2026
Country by country
| Country | Multitude Bank p.l.c | Vivus |
|---|---|---|
| Denmark | Yes | No |
| Latvia | 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
What rate do I pay on a Vivus loan?+
The headline annual percentage rate is 44.5%, and the representative example published for the lender quotes the same figure alongside the interest payment and the total repayable on a short loan. The rate is fixed under fixed, so the figure is set for the whole term rather than adjusted as market rates move.
Are there arrangement or disbursement fees?+
The credit line disbursement fee is 0 EUR (credit line disbursement fee) and the matching percentage fee is 0%, so the line itself carries nothing extra to open or draw. What costs money is the interest, and the representative example sets out a loan rate and an annual percentage rate of 44.5% next to the total repayable.
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