Updated September 28, 2026 · BorrowCue Editorial Team
Andacredito vs Vivus ES
What sets them apart
| Compare |  Andacredito |  Vivus ES |
|---|---|---|
| APR | 0% to 36% | 0% to 3,752.4% |
| Loan amount | €100 to €5,000Higher | €50 to €1,400 |
| Term | 2 to 3 months | 7 to 30 monthsHigher |
| Funding time | 10 minutes | up to 15 minutes after approval |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Payday, Personal |
| Credit check | Not confirmed | Hard |
| Rate type | Variable | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Arrangement fee (0 EUR), Origination fee (%) (0%).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Vivus ES scores higher overall: 9.0 vs 8.7.
- Free early repayment: only Andacredito.
- Loan amount is higher at Andacredito: €100 to €5,000 vs €50 to €1,400.
- Term is higher at Vivus ES: 7 to 30 months vs 2 to 3 months.
- Support channels: only Vivus ES offers Phone, Help centre.
- Features: only Vivus ES offers Credit line.
- Loan types: only Andacredito offers Car, Business, Student.
Our verdict on each
Andacredito
Andacredito is a Spanish broker for short personal and payday loans, built for borrowers with poor credit who need cash quickly. Costs are where it wins, with an APR of 0% to 36%, an arrangement fee of 0 EUR and funding in 10 minutes.
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 | Andacredito | Vivus ES |
|---|---|---|
| Cost | 9.5Higher | 9.2Origination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. |
| Offer | 8.3 | 8.8Higher |
| Trust | 8.3 | 8.9Higher |
Positions in our rankings
| Ranking | Andacredito | Vivus ES |
|---|---|---|
| Personal loans | 13 of 1932 | 25 of 1932 |
| Payday and short-term loans | 4 of 246 | 10 of 246 |
Ranges side by side
| Fact | Andacredito | Vivus ES |
|---|---|---|
| APR | 0% to 36% | 0% to 3,752.4% |
| Loan amount | €100 to €5,000 | €50 to €1,400 |
| Term | 2 to 3 months | 7 to 30 months |
If neither fits
Sofkredit has term at 6 to 240 months, against 2 to 3 months for Andacredito and 7 to 30 months for Vivus ES.
Sofkredit reviewEvery fact side by side
| Fact | Andacredito | Vivus ES |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OU | Vivus Financial Services, S.A.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Vivus ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 3,752.4%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €1,400lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Andacredito
Pros
- An APR of 0% to 36% and an arrangement fee of 0 EUR keep the headline cost at the cheap end.
- Funding in 10 minutes suits a bill that lands today rather than next month.
- Early repayment is free, so an unexpected windfall clears the balance at no extra cost.
Cons
- The term is 2 to 3, so the balance must clear quickly and a gap suits better than a cost spread over years.
- The rate is variable, so the figure you finish on is exposed to a rate move.
- Support runs on email only, so every question and dispute is handled in writing.
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
Andacredito
Who it suits
- Borrowers in Spain with a Spanish bank account who need a small sum quickly.
- Applicants with poor credit who have been turned down elsewhere.
- Anyone who can clear 2 to 3 from income and repay early for nothing.
Who should look elsewhere
- Borrowers needing more than €100 to €5,000 or a longer horizon than 2 to 3.
- Shoppers who want a phone line, since support runs on email only.
- Anyone after a narrow band, since Monzo Flex lists 10% to 23% against Andacredito's 0% to 36%.
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
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
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 | Andacredito | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Andacredito
What rate does Andacredito charge?+
The published APR is 0% to 36%, and it applies across the personal, payday and car loans the broker arranges. What you actually pay depends on the partner you are matched with, the amount and the term, so read the offer rather than the band. The cheapest end of the range belongs to the smallest, shortest loans.
Is there an arrangement fee?+
The arrangement fee is 0 EUR, so the broker adds no setup charge, and the representative example confirms it: the small loan shown comes back at the amount borrowed with the cost at nothing. Start-up fees are not where this loan bites. Interest is a separate matter and depends on the partner's rate.
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.
Other options to compare
Other matchups
- Andacredito vs Arab Islamic Bank
- Andacredito vs Oney Préstamos ES
- Andacredito vs Sofkredit
- Andacredito vs Quick Car Finance
- Andacredito vs Prestamiau ES
- Andacredito vs Credityes
- Andacredito vs Fidea
- Andacredito vs 5in5
- Vivus ES vs Multitude Bank p.l.c
- Andacredito vs Qonto ES
- Andacredito vs Me Presta MX
- Andacredito vs Lendela
- Andacredito vs Creditio
- Andacredito vs BriteCap Financial
- Andacredito vs Alt Lending
- Vivus ES vs Kredivo
- Vivus ES vs Moneyveo UA
- Vivus ES vs TF Bank
- Vivus ES vs Upgrade
- Andacredito vs Nazivnost
- Andacredito vs Smartney
- Andacredito vs LEND.ch
- Andacredito vs Cool Credit
- Andacredito vs Moneyveo VN