Updated September 30, 2026 · BorrowCue Editorial Team
Credino vs Vivus
What sets them apart
| Compare |  Credino |  Vivus |
|---|---|---|
| APR | 81% | 44.5%Lower |
| Loan amount | DKK 1,000 to DKK 500,000 | €50 to €10,000 |
| Term | 12 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 EUR (credit line disbursement fee) |
| Funding time | First offers selected in about 2 minutes | 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 | Borrowing EUR 1,000 repaid in 12 monthly instalments of EUR 113, total EUR 1,342.22, 5% fixed interest rate, 81% APR (TAE) | 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 | Marketplace | Direct lender |
| Eligibility | Danish online lenders only; a minimum age of 23 may apply depending on the provider | 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 | Car | Personal, Payday, CarCovers more |
| Credit needed | Poor | Good |
| Credit check | Not confirmed | Hard |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Rate type (Fixed), Use cases (Home improvement).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.2.
- APR is lower at Vivus: 44.5% vs 81%.
- Term is higher at Vivus: 3 to 60 months vs 12 months.
- Loan types: only Vivus offers Personal, Payday.
Our verdict on each
Credino
Credino suits borrowers with poor credit who want to compare car or home improvement offers through a marketplace rather than applying to a direct lender. Its pricing centres on APR of 81% with origination fees of 0 EUR, so check the published example carefully before you proceed.
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 | Credino | Vivus |
|---|---|---|
| Cost | 8.2Cost reflects APR of 81% with fees of 0 EUR | 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 | 8.4Offer reflects marketplace reach across car for planned spend | 8.9Higher |
| Trust | 8.1Trust reflects marketplace model via marketplace with email help | 9.1Higher |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Credino
4,907.57
4,907.57
Vivus
2,570.81
2,570.81
Vivus comes out 2,336.76 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Where each is licensed and available
| Country | Credino | Vivus |
|---|---|---|
| Latvia | Not confirmed |
Additional countries for Credino: 1. Additional countries for Vivus: 1.
Also worth a look
Sofkredit has term at 6 to 240 months, against 12 months for Credino and 3 to 60 months for Vivus.
Sofkredit reviewHow they place
| Ranking | Credino | Vivus |
|---|---|---|
| Car loans | 15 of 431 | 8 of 431 |
| Home improvement loans | 25 of 562 | 11 of 562 |
Every fact side by side
| Fact | Credino | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Not confirmed | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Not confirmed | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Not confirmed | Chat, Phone, Email, Help centre |
Where each stands against the rest
| Fact | Credino | Vivus | Median |
|---|---|---|---|
| APR | 81%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 1005 listed lenders.
Pros and cons
Credino
Pros
- Marketplace model via marketplace lets you review varied partner offers in a single search
- Origination fees run 0 EUR so setup adds no separate charge beyond interest
- Car coverage via car suits vehicle shoppers comparing providers
Cons
- Pricing centres on APR of 81% which can make total repayment heavy for tight budgets
- Repayment window sits at 12 which limits flexibility if you hoped to spread costs
- Support runs on email only which may frustrate you if you prefer phone help
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
Credino
Who it suits
- Borrowers with poor credit comparing marketplace offers for car or renovation spend
- Shoppers who value prompt shortlisting described as First offers selected in about 2 minutes before detailed checks
- Borrowers comfortable managing help by email while comparing lenders
Who should look elsewhere
- Borrowers chasing lower headline APR who may prefer Ibancar Prestamos because its listed APR differs from 81%
- Borrowers wanting card style revolving credit who may prefer AXI Card Tarjeta y Credito for its card structure
- Borrowers wanting longer schedules who may avoid Credino because duration sits at 12
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 | Credino | Vivus |
|---|---|---|
| Denmark | Yes | No |
| Latvia | No | Yes |
Questions about each
Credino
Is Credino a lender or a comparison service?+
Credino focuses on comparison rather than direct lending, operating as marketplace. You submit details and review partner offers, then continue with the chosen provider under its own terms and checks.
What does borrowing through Credino cost?+
The headline cost is APR of 81% alongside fees of 0 EUR. You should read the published illustration showing monthly instalments and total payable, since interest makes the total exceed the amount borrowed.
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 Sofkredit
- Credino vs Quick Car Finance
- Vivus vs Prestamiau ES
- Vivus vs Fidea
- Vivus vs Multitude Bank p.l.c
- Vivus vs Qonto ES
- Vivus vs Fiesta Credito
- Vivus vs Fiesta Credito MX
- Vivus vs Lendela
- Vivus vs BriteCap Financial
- Vivus vs Kredivo
- Vivus vs Moneyveo UA
- Vivus vs TF Bank
- Vivus vs Upgrade