Updated September 30, 2026 · BorrowCue Editorial Team
Creditilia ES vs Vivus
Where Creditilia ES and Vivus differ
| Compare |  Creditilia ES |  Vivus |
|---|---|---|
| APR | 4% to 289%Lower | 44.5% |
| Loan amount | €500 to €50,000Higher | €50 to €10,000 |
| Term | 3 to 96 monthsHigher | 3 to 60 months |
| Arrangement fee | EUR 0 - no opening, study or early repayment fee | 0 EUR (credit line disbursement fee) |
| Funding time | Offers shown immediately, answer in under 24 hours; page advertises loans from 15 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 | EUR 5,000 loan over 60 months at fixed 4% annual rate (4.12% TAE), monthly payment EUR 92.08, total repayable EUR 5,524.96, no opening, study or early repayment fee | 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 | Adults of legal age, mainly residents in Spain; DNI/NIE required (passport accepted) | 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, Debt consolidation, Business, Guarantor, CarCovers more | Personal, Payday, Car |
| Credit needed | Poor | Good |
Same on both: Credit check (Hard), Rate type (Fixed), Free early repayment (Yes), Origination fee (%) (0%), Use cases (Home improvement).
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 scores higher overall: 9.0 vs 8.7.
- APR is lower at Creditilia ES: 4% to 289% vs 44.5%.
- Loan amount is higher at Creditilia ES: €500 to €50,000 vs €50 to €10,000.
- Term is higher at Creditilia ES: 3 to 96 months vs 3 to 60 months.
- Support channels: only Vivus offers Chat, Phone, Help centre.
- Features: only Vivus offers Credit line.
- Loan types: only Creditilia ES offers Debt consolidation, Business, Guarantor.
Our verdict on each
Creditilia ES
Creditilia ES is a Spanish loan marketplace that suits borrowers who want a quick answer and no upfront or exit fee, and who will accept a rate decided by whichever partner lender they are matched with. Its annual rate runs 4% to 289%, so the final price can sit far above 12%.
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 | Creditilia ES | Vivus |
|---|---|---|
| Cost | 9.4HigherFees of EUR 0 - no opening, study or early repayment fee and free early repayment, against an annual rate running 4% to 289%. | 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 | 8.1 | 9.1Higher |
Feature by feature
| Loan types | Creditilia ES | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Business | Yes | No |
| Guarantor | Yes | No |
| Use cases | Creditilia ES | Vivus |
|---|---|---|
| Home improvement | Yes | Yes |
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 4% to 289% for Creditilia ES and 44.5% for Vivus.
Prestamiau ES reviewSources behind this comparison
Creditilia ES
- creditilia.es: 20 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
How they place
| Ranking | Creditilia ES | Vivus |
|---|---|---|
| Personal loans | 51 of 1932 | 24 of 1932 |
| Payday and short-term loans | 24 of 246 | 9 of 246 |
| Car loans | 13 of 431 | 8 of 431 |
| Home improvement loans | 23 of 562 | 11 of 562 |
Every fact side by side
| Fact | Creditilia ES | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | The Way Media Marketing & Digital Services SL (NIF B44789139) | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Spain | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Chat, Phone, Email, Help centreCovers more |
Mortgages
| Fact | Creditilia ES | Vivus |
|---|---|---|
| Initial rate | 4% | Not confirmed |
| APRC | 4.12% | Not confirmed |
| Fixed period | 5 years | Not confirmed |
| Product fee | €0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Creditilia ES | Vivus | Median |
|---|---|---|---|
| APR | 4% to 289%lowest quarter | 44.5%highest quarter | 8.99 |
| Loan amount | €500 to €50,000above the median | €50 to €10,000below the median | €40,000 |
| Term | 3 to 96 monthsabove the median | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Creditilia ES
Pros
- Fees of EUR 0 - no opening, study or early repayment fee on the personal, payday, consolidation, business, guarantor and car loans, and free early repayment, so clearing a balance ahead of schedule costs nothing.
- Offers are shown immediately with an answer within a day, and same day funding is listed as a feature (same day funding).
- Pricing is fixed: the rate type is fixed and the model is fixed rate, so the monthly payment holds for the whole term.
Cons
- Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one figure, and the range it quotes runs 4% to 289%.
- The top of that range is punishing, sitting far above the 12% median across the market, so a poor credit profile can land you at the wrong end of it.
- Applications use a hard credit search (hard), which leaves a full mark on your file rather than a soft prequalification.
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
Creditilia ES
Who it suits
- Residents of Spain with an imperfect credit history who need an answer fast and can live with a price set by a partner lender.
- Borrowers who expect to clear a loan ahead of schedule, since free early repayment applies and the fee line leaves nothing to negotiate.
- People weighing a short or a long term, because terms of 3 to 96 sit either side of the 36 month median across the market.
Who should look elsewhere
- Anyone who wants a single published rate at application: Monzo Flex quotes an APR of 10% to 23%, a far narrower band than the 4% to 289% range carried here.
- Borrowers hunting a lower headline cost: Cashspace ES lists an APR of 0%, against a range that runs 4% to 289% on this marketplace.
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 | Creditilia ES | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Creditilia ES
What rate will I actually pay?+
Creditilia ES is a marketplace, so the rate is set by the partner lender you are matched with rather than published as one number. The site quotes an annual rate of 4% to 289%, a wide band, and the median across the market is 12%. Treat the lower end as a possibility and plan your budget around the rest.
What does it cost to take out a loan?+
There is no charge for taking the loan out. The fee line reads EUR 0 - no opening, study or early repayment fee, so no opening fee, no study fee and no early repayment charge applies to the personal, payday, consolidation, business, guarantor and car loans listed. What you pay is interest, at a rate that runs 4% to 289%.
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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