Updated September 29, 2026 · BorrowCue Editorial Team
Cashspace vs Vivus ES
What sets them apart
| Compare |  Cashspace |  Vivus ES |
|---|---|---|
| APR | ₱12 to ₱36 | 0% to 3,752.4% |
| Loan amount | ₱500 to ₱25,000 | €50 to €1,400 |
| Term | 2 to 4 months | 7 to 30 monthsHigher |
| Arrangement fee | 0 | 0 EUR |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | up to 15 minutes after approval |
| Representative example | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Broker | Direct lender |
| Eligibility | Applicants in the Philippines, valid ID required | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Payday, Credit lineCovers more | Payday, Personal |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Vivus ES scores higher overall: 9.0 vs 8.9.
- Term is higher at Vivus ES: 7 to 30 months vs 2 to 4 months.
- Support channels: only Cashspace offers Community.
- Support channels: only Vivus ES offers Phone.
- Loan types: only Cashspace offers Credit line.
Our verdict on each
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
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 | Cashspace | Vivus ES |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 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 | 8.5 | 8.8Higher |
| Trust | 8.3 | 8.9Higher |
How they place
| Ranking | Cashspace | Vivus ES |
|---|---|---|
| Personal loans | 33 of 1932 | 25 of 1932 |
| Payday and short-term loans | 15 of 246 | 10 of 246 |
| Lines of credit | 7 of 328 | 3 of 328 |
If neither fits
Sofkredit has term at 6 to 240 months, against 2 to 4 months for Cashspace and 7 to 30 months for Vivus ES.
Sofkredit reviewWhere these facts come from
Cashspace
- cashspace.ph: 15 facts, checked September 26, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Cashspace | Vivus ES |
|---|---|---|
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Fininity OU | Vivus Financial Services, S.A.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Help centre, Community | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Cashspace | Vivus ES | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Cashspace
Pros
- No origination fee, listed at 0 on personal, payday and credit line products.
- Money moves fast: funds within a few minutes and most approved applicants are paid the same day.
- APR of PHP 12 to PHP 36 starts below the personal loan site median of 12%.
Cons
- Term of 2 to 4 is short, so a missed payment can land quickly on a small balance.
- The credit check is hard, so an application puts a full search on the record.
- Support runs on email, help centre and community only, with no phone line or live chat listed.
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
Cashspace
Who it suits
- Philippine residents with a valid ID who hold a thin or damaged credit file
- Borrowers who can settle a small balance within the short 2 to 4 window
- Anyone who needs a same-day payment and accepts a hard credit check
Who should look elsewhere
- People who need a long repayment term, since 2 to 4 caps the loan short
- Anyone wanting phone support, given email, help centre and community lists none
- Borrowers who would rather deal with a single lender than a broker
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 | Cashspace | Vivus ES |
|---|---|---|
| Philippines | Yes | No |
| Spain | No | Yes |
Questions about each
Cashspace
What does Cashspace charge to take out a loan?+
Cashspace lists an origination fee of 0, so there is no separate setup charge on the products it offers. The cost of a loan therefore rests on the rate. The APR runs PHP 12 to PHP 36 across the personal, payday and credit line products, and the published example shows a small loan cleared over a short window for a total repayment only slightly above the sum borrowed.
How much can I borrow and how long do I have to repay?+
Borrowing runs PHP 500 to PHP 25,000, which is a small-loan range, and the term of 2 to 4 is short. That pairing suits an unexpected bill or a gap between paydays. It is not built for a large planned purchase, and the short term means a missed payment can arrive sooner than expected.
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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