Updated September 30, 2026 · BorrowCue Editorial Team
Cashspace vs Vivus
Where Cashspace and Vivus differ
| Compare |  Cashspace |  Vivus |
|---|---|---|
| APR | ₱12 to ₱36 | 44.5% |
| Loan amount | ₱500 to ₱25,000 | €50 to €10,000 |
| Term | 2 to 4 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 | 0 EUR (credit line disbursement fee) |
| Funding time | Funds within 5 minutes; most approved applicants receive the money the same day | 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 | Loan of PHP 10,000 repaid in 3 months, total payment PHP 11,000 | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Lender type | Broker | Direct lender |
| Eligibility | Applicants in the Philippines, valid ID required | 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 | Personal, Payday, Credit line | Personal, Payday, Car |
| Credit needed | Poor | Good |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.9.
- Term is higher at Vivus: 3 to 60 months vs 2 to 4 months.
- Support channels: only Cashspace offers Community.
- Support channels: only Vivus offers Chat, Phone.
- Loan types: only Cashspace offers Credit line.
- Loan types: only Vivus offers Car.
Our verdict on each
Cashspace
Cashspace suits Philippine borrowers with poor credit who need a small sum quickly and can clear it fast.
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 | Cashspace | Vivus |
|---|---|---|
| Cost | 9.8HigherOrigination fee of 0 and an APR of PHP 12 to PHP 36 sit against a site median of 12%. | 9.0APR 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 | 8.5 | 8.9Higher |
| Trust | 8.3 | 9.1Higher |
From lowest to highest
| Fact | Cashspace | Vivus |
|---|---|---|
| Term | 2 to 4 months | 3 to 60 months |
Where each is licensed and available
| Country | Cashspace | Vivus |
|---|---|---|
| Latvia | Not confirmed |
Additional countries for Cashspace: 1. Additional countries for Vivus: 1.
What each covers
| Loan types | Cashspace | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Credit line | Yes | No |
| Car | No | Yes |
Sources behind this comparison
Cashspace
- cashspace.ph: 15 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
How they place
| Ranking | Cashspace | Vivus |
|---|---|---|
| Personal loans | 33 of 1932 | 24 of 1932 |
| Payday and short-term loans | 15 of 246 | 9 of 246 |
| Lines of credit | 7 of 328 | 2 of 328 |
Every fact side by side
| Fact | Cashspace | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Fininity OU | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Email, Help centre, Community | Chat, Phone, Email, Help centre |
Where each stands against the rest
| Fact | Cashspace | Vivus | Median |
|---|---|---|---|
| Term | 2 to 4 monthslowest quarter | 3 to 60 monthsat 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
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
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
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 | Cashspace | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Philippines | Yes | No |
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
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.
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