Updated October 14, 2026 · BorrowCue Editorial Team
Multitude vs Multitude Bank p.l.c
What sets them apart
| Compare |  Multitude |  Multitude Bank p.l.c |
|---|---|---|
| APR | 30.31% to 57.26% | 24.99%Lower |
| Term | 12 months | 9 to 199 monthsHigher |
| Arrangement fee | 565 SEK | 0 DKK |
| Funding time | Within one bank day of approval | within minutes, 24/7 |
| Representative example | 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 | Credit amount DKK 10,000 / 12 months: APR 24.99%, monthly payment DKK 934.96, total credit cost DKK 1,219.47 |
| Rate type | Variable | Fixed |
| Eligibility | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application | Age 22+, Danish CPR number and registered address |
| Loan amount | SEK 10,000 to SEK 50,000 | Not confirmed |
| Credit check | Hard | Not confirmed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender), Loan types (Credit line, Personal).
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Key differences
- Multitude Bank p.l.c scores higher overall: 8.9 vs 8.8.
- Multitude is available in 12 more countries.
- APR is lower at Multitude Bank p.l.c: 24.99% vs 30.31% to 57.26%.
- Term is higher at Multitude Bank p.l.c: 9 to 199 months vs 12 months.
- Support channels: only Multitude offers Chat.
Our verdict on each
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.
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.
Score breakdown
| Area | Multitude | Multitude Bank p.l.c |
|---|---|---|
| Cost | 8.3 | 9.1HigherCost reflects APR at 24.99% with 0% charge level. |
| Offer | 9.0Higher | 8.1Offer reflects personal and credit line with same day funding and credit line flexibility. |
| Trust | 9.1 | 9.3HigherTrust reflects direct lender status and 2005 history. |
Which one suits you
Pick Multitude if offer matter most.
Pick Multitude Bank p.l.c if cost, apr, and term matter most.
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Multitude
1,716.76 to 3,365.26
1,716.76 to 3,365.26
Multitude Bank p.l.c
1,404.72
1,404.72
Multitude Bank p.l.c comes out 312.04 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 | Multitude Bank p.l.c |
|---|---|---|
| Personal loans | 30 of 1920 | 29 of 1920 |
| Lines of credit | 5 of 328 | 4 of 328 |
A third option
Sofkredit has term at 6 to 240 months, against 12 months for Multitude and 9 to 199 months for Multitude Bank p.l.c.
Sofkredit reviewEvery fact side by side
| Fact | Multitude | Multitude Bank p.l.c |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line, Same day funding | Same day funding, Credit line |
| Legal entity | Multitude Bank p.l.c. | Multitude Bank p.l.c. |
| Headquarters | Malta | Malta |
| Founded | 2005 | 2005 |
| Support channels | Chat, Help centreCovers more | Help centre |
Where each stands against the rest
| Fact | Multitude | Multitude Bank p.l.c | Median |
|---|---|---|---|
| APR | 30.31% to 57.26%highest quarter | 24.99%highest quarter | 8.99 |
| Loan amount | SEK 10,000 to SEK 50,000below the median | Not confirmed | SEK 500,000 |
| Term | 12 monthslowest quarter | 9 to 199 monthshighest quarter | 60 months |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1144 listed lenders.
Pros and cons
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.
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.
Who each suits
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.
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.
Country by country
| Country | Multitude | Multitude Bank p.l.c |
|---|---|---|
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Czechia | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| Germany | Yes | No |
| Latvia | Yes | No |
| Malta | Yes | No |
8 of 13 countries where either is available.
Questions about each
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.
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.
Other options to compare
Other matchups
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