Updated October 14, 2026 · BorrowCue Editorial Team
Multitude vs Oney Préstamos ES
What sets them apart
| Compare |  Multitude |  Oney Préstamos ES |
|---|---|---|
| Loan amount | SEK 10,000 to SEK 50,000 | €1,000 to €45,000 |
| Arrangement fee | 565 SEK | 3% of financed capital (apertura) |
| Funding time | Within one bank day of approval | Decision within 48 h, then money sent to the account you choose |
| Eligibility | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application | Must be of legal age and have no unpaid debts; from 1,000 EUR for existing Oney customers, 6,000 EUR for new customers |
| Loan types | Credit line, Personal | Personal, Car, Student, BNPL |
| APR | 30.31% to 57.26% | Not confirmed |
| Term | 12 months | Not confirmed |
| 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 | Not confirmed |
| Rate type | Variable | Not confirmed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 3% |
Same on both: Credit check (Hard), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Multitude is available in 12 more countries.
- Support channels: only Multitude offers Chat.
- Support channels: only Oney Préstamos ES offers Phone.
- Loan types: only Multitude offers Credit line.
- Loan types: only Oney Préstamos ES offers Car, Student, BNPL.
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.
Oney Préstamos ES
Oney Préstamos ES suits Spanish adults with a dated home project and an existing Oney account, who can borrow from a lower floor than new applicants. Borrowings run to €1,000 to €45,000, and the cost side is the trade-off: the lender itself, with free early repayment not on offer.
Score breakdown
| Area | Multitude | Oney Préstamos ES |
|---|---|---|
| Cost | 8.3 | 8.3 |
| Offer | 9.0Higher | 8.9 |
| Trust | 9.1 | 9.2Higher |
Availability and regulation
| Country | Multitude | Oney Préstamos ES |
|---|---|---|
| Malta | Not confirmed | |
| Spain | Not confirmed | Banco de España 8814 |
Additional countries for Multitude: 13. Additional countries for Oney Préstamos ES: 1.
How they place
| Ranking | Multitude | Oney Préstamos ES |
|---|---|---|
| Personal loans | 30 of 1920 | 1 of 1920 |
| Home improvement loans | 13 of 562 | 1 of 562 |
Every fact side by side
| Fact | Multitude | Oney Préstamos ES |
|---|---|---|
| Features | Credit line, Same day funding | Not confirmed |
| Legal entity | Multitude Bank p.l.c. | Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324) |
| Headquarters | Malta | Spain |
| Founded | 2005 | Not confirmed |
| Support channels | Chat, Help centre | Help centre, Phone |
Where each stands against the rest
| Fact | Multitude | Oney Préstamos ES | Median |
|---|---|---|---|
| APR | 30.31% to 57.26%highest quarter | Not confirmed | 8.99 |
| Term | 12 monthslowest quarter | Not confirmed | 60 months |
| Origination fee (%) | Not confirmed | 3%highest quarter | 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.
Oney Préstamos ES
Pros
- The lender is named on the paperwork as Oney Servicios Financieros E.F.C., S.A.U (CIF A-83113324), a direct lender, so the counterparty is clear before you sign.
- Support runs on help centre and phone, pairing a phone line with a help centre.
- personal, car and student all sit under the same lender, so a car, student or buy now pay later need does not mean a new provider.
Cons
- Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not lower what you pay.
- New customers start from a higher floor, and the credit check is hard, so a thin first application can be turned down.
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.
Oney Préstamos ES
Who it suits
- Existing Oney customers, who start from a lower borrowing floor than new applicants.
- Adults funding a home improvement project who can clear a hard credit check and accept an opening fee.
- Borrowers who want personal, car, student and buy now pay later lending from one licensed provider in Spain.
Who should look elsewhere
- New applicants wanting a small first loan, since the floor for new customers is higher and Cashspace ES lends €100 to €5,000.
- People whose project costs more than €1,000 to €45,000 covers, since Monzo Flex lends £10,000 to £35,000.
Current offers
Oney Préstamos ES
Current offer
Bonus
5 EUR cheque per 250 EUR of purchases with the VISA Club Leroy Merlin card: 5 EUR per 250 EUR spent
Card purchase offer; conditions published by leroymerlin.es
Source, checked September 26, 2026
Country by country
| Country | Multitude | Oney Préstamos ES |
|---|---|---|
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| Germany | Yes | No |
| Latvia | Yes | No |
8 of 14 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.
Oney Préstamos ES
What does a loan from here cost?+
Every loan carries an opening fee of 3% of financed capital (apertura), so the cost starts above the interest rate. Free early repayment is not offered either, and the site cost score for this brand is 1.7.
How quickly is the money sent?+
A decision comes through a short window, then the money is sent to the account you choose. That suits anyone working to a dated home project, and the borrowing range tops out at €1,000 to €45,000.
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