Updated October 14, 2026 · BorrowCue Editorial Team
Multitude vs Vivus ES
Where Multitude and Vivus ES differ
| Compare |  Multitude |  Vivus ES |
|---|---|---|
| APR | 30.31% to 57.26% | 0% to 3,752.4%Lower |
| Loan amount | SEK 10,000 to SEK 50,000 | €50 to €1,400 |
| Term | 12 months | 7 to 30 monthsHigher |
| Arrangement fee | 565 SEK | 0 EUR |
| Funding time | Within one bank day of approval | up to 15 minutes after approval |
| 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 | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Eligibility | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Credit line, Personal | Payday, Personal |
| Rate type | Variable | Not confirmed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Lender type (Direct lender).
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Key differences
- Vivus ES scores higher overall: 9.0 vs 8.8.
- Founded is lower at Multitude: 2005 vs 2013.
- Multitude is available in 12 more countries.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 30.31% to 57.26%.
- Term is higher at Vivus ES: 7 to 30 months vs 12 months.
- Support channels: only Multitude offers Chat.
- Support channels: only Vivus ES offers Phone, Email.
- Loan types: only Multitude offers Credit line.
- Loan types: only Vivus ES offers Payday.
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.
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 | Vivus ES |
|---|---|---|
| Cost | 8.3 | 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 | 9.0Higher | 8.8 |
| Trust | 9.1Higher | 8.9 |
Where these facts come from
Multitude
- ferratum.se: 15 facts, checked September 26, 2026
- ferratum.de: 2 facts, checked September 26, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
How they place
| Ranking | Multitude | Vivus ES |
|---|---|---|
| Personal loans | 30 of 1920 | 25 of 1920 |
| Lines of credit | 5 of 328 | 3 of 328 |
Every fact side by side
| Fact | Multitude | Vivus ES |
|---|---|---|
| Features | Credit line, Same day funding | 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 | Chat, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Multitude | Vivus ES | Median |
|---|---|---|---|
| APR | 30.31% to 57.26%highest quarter | 0% to 3,752.4%lowest quarter | 8.99 |
| Term | 12 monthslowest quarter | 7 to 30 monthsbelow the median | 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.
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
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.
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 | Vivus 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.
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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