Updated October 14, 2026 · BorrowCue Editorial Team
Multitude vs Solcredito
What sets them apart
| Compare |  Multitude |  Solcredito |
|---|---|---|
| APR | 30.31% to 57.26% | 0% to 3,752%Lower |
| Loan amount | SEK 10,000 to SEK 50,000 | €50 to €5,000 |
| Term | 12 months | 3 to 60 monthsHigher |
| Arrangement fee | 565 SEK | 0 EUR |
| Funding time | Within one bank day of approval | Decision in 15 minutes, money in your bank account within a few hours |
| 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 | 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 | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application | 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 | Credit line, Personal | Personal, Payday, Debt consolidation, Credit lineCovers more |
| Credit check | Hard | Not confirmed |
| Rate type | Variable | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Use cases (Home improvement).
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Key differences
- Solcredito scores higher overall: 9.0 vs 8.8.
- Founded is lower at Multitude: 2005 vs 2011.
- Multitude is available in 11 more countries.
- APR is lower at Solcredito: 0% to 3,752% vs 30.31% to 57.26%.
- Term is higher at Solcredito: 3 to 60 months vs 12 months.
- Support channels: only Multitude offers Chat.
- Support channels: only Solcredito offers Email.
- Loan types: only Solcredito offers Payday, Debt consolidation.
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.
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 | Solcredito |
|---|---|---|
| Cost | 8.3 | 9.9Higher |
| Offer | 9.0Higher | 8.4A broker, not a lender, with fees of 0 EUR and rates of 0% to 3,752% against a site median of 12%. |
| Trust | 9.1Higher | 8.5 |
Side by side, item by item
| Loan types | Multitude | Solcredito |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | No | Yes |
| Credit line | Yes | Yes |
| Use cases | Multitude | Solcredito |
|---|---|---|
| Home improvement | Yes | Yes |
Where each is licensed and available
| Country | Multitude | Solcredito |
|---|---|---|
| Malta | Not confirmed |
Additional countries for Multitude: 13. Additional countries for Solcredito: 2.
Where they rank in our lists
| Ranking | Multitude | Solcredito |
|---|---|---|
| Personal loans | 30 of 1920 | 59 of 1920 |
| Lines of credit | 5 of 328 | 9 of 328 |
| Home improvement loans | 13 of 562 | 26 of 562 |
Sources behind this comparison
Multitude
- ferratum.se: 15 facts, checked September 26, 2026
- ferratum.de: 2 facts, checked September 26, 2026
Solcredito
- solcredito.es: 16 facts, checked September 26, 2026
Every fact side by side
| Fact | Multitude | Solcredito |
|---|---|---|
| Features | Credit line, Same day funding | 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 | Chat, Help centre | Email, Help centre |
Where each stands against the rest
| Fact | Multitude | Solcredito | Median |
|---|---|---|---|
| APR | 30.31% to 57.26%highest quarter | 0% to 3,752%lowest quarter | 8.99 |
| Term | 12 monthslowest quarter | 3 to 60 monthsat the median | 60 months |
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.
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
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.
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 | Solcredito |
|---|---|---|
| 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 15 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.
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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