Updated October 14, 2026 · BorrowCue Editorial Team
Multitude vs Vivus
Multitude vs Vivus: the differences
| Compare |  Multitude |  Vivus |
|---|---|---|
| APR | 30.31% to 57.26%Lower | 44.5% |
| Loan amount | SEK 10,000 to SEK 50,000 | €50 to €10,000 |
| Term | 12 months | 3 to 60 monthsHigher |
| Arrangement fee | 565 SEK | 0 EUR (credit line disbursement fee) |
| Funding time | Within one bank day of approval | 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 | 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 | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Rate type | Variable | Fixed |
| Eligibility | Swedish personal identity number and a Swedish bank account, with income and expenses declared in the online application | 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 | Credit line, Personal | Personal, Payday, Car |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Not confirmed | Good |
Same on both: Credit check (Hard), Lender type (Direct lender), Use cases (Home improvement).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.8.
- Founded is lower at Multitude: 2005 vs 2008.
- Multitude is available in 12 more countries.
- APR is lower at Multitude: 30.31% to 57.26% vs 44.5%.
- Term is higher at Vivus: 3 to 60 months vs 12 months.
- Support channels: only Vivus offers Phone, Email.
- Loan types: only Multitude offers Credit line.
- Loan types: only Vivus offers Payday, Car.
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
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 | Vivus |
|---|---|---|
| Cost | 8.3 | 9.0HigherAPR 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 | 9.0Higher | 8.9 |
| Trust | 9.1 | 9.1 |
Availability and regulation
| Country | Multitude | Vivus |
|---|---|---|
| Latvia | Not confirmed | |
| Malta | Not confirmed |
Available in 1 country for both. Additional countries for Multitude: 12.
Where they rank in our lists
| Ranking | Multitude | Vivus |
|---|---|---|
| Personal loans | 30 of 1920 | 24 of 1920 |
| Lines of credit | 5 of 328 | 2 of 328 |
| Home improvement loans | 13 of 562 | 11 of 562 |
Pick Multitude if, pick Vivus if
Pick Multitude if apr matter most.
Pick Vivus if cost and term matter most.
Every fact side by side
| Fact | Multitude | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Credit line, Same day funding | 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 | Chat, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Multitude | Vivus | Median |
|---|---|---|---|
| APR | 30.31% to 57.26%highest quarter | 44.5%highest quarter | 8.99 |
| Term | 12 monthslowest quarter | 3 to 60 monthsat 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
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
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
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 | Vivus |
|---|---|---|
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
| Finland | Yes | No |
| Germany | 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.
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.
Other options to compare
Other matchups
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- Vivus vs Ibancar Prestamos
- Multitude vs DKB (Deutsche Kreditbank)
- Multitude vs Fidea
- Multitude vs Multitude Bank p.l.c
- Multitude vs Qonto ES
- Vivus vs Youmoney
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- Multitude vs Lendela
- Multitude vs BriteCap Financial
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