Updated September 29, 2026 · BorrowCue Editorial Team
CreditoZen vs Vivus ES
CreditoZen vs Vivus ES: the differences
| Compare |  CreditoZen |  Vivus ES |
|---|---|---|
| Loan amount | €100 to €2,000Higher | €50 to €1,400 |
| Term | 3 months | 7 to 30 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 0 EUR |
| Funding time | under 24 business hours | up to 15 minutes after approval |
| Lender type | Broker | Direct lender |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| APR | Not confirmed | 0% to 3,752.4% |
| Representative example | Not confirmed | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Free early repayment | Not confirmed | No |
Same on both: Credit check (Hard), Origination fee (%) (0%), Loan types (Payday, Personal).
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Key differences
- Vivus ES scores higher overall: 9.0 vs 8.8.
- Loan amount is higher at CreditoZen: €100 to €2,000 vs €50 to €1,400.
- Term is higher at Vivus ES: 7 to 30 months vs 3 months.
- Support channels: only Vivus ES offers Phone.
Our verdict on each
CreditoZen
CreditoZen suits adults in Spain who need a small short-term loan, with a term of 3 and funding under 24 business hours. The catch is the ceiling: €100 to €2,000 covers a single small expense, so anyone borrowing for a bigger cost should look at Cashspace ES or Monzo Flex instead.
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 | CreditoZen | Vivus ES |
|---|---|---|
| Cost | 9.5HigherThe origination fee is 0 EUR (no hidden fees) over a 3 term, so a loan of this size costs little to carry. | 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 | 8.5The range is the weak point: €100 to €2,000 covers a single small market, and payday and personal offers two loan types only. | 8.8Higher |
| Trust | 8.3 | 8.9Higher |
Where these facts come from
CreditoZen
- creditozen.es: 12 facts, checked September 26, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
How they place
| Ranking | CreditoZen | Vivus ES |
|---|---|---|
| Personal loans | 10 of 1932 | 25 of 1932 |
| Payday and short-term loans | 2 of 246 | 10 of 246 |
Every fact side by side
| Fact | CreditoZen | Vivus ES |
|---|---|---|
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Ban kos Technology OÜ | Vivus Financial Services, S.A.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Help centre | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | CreditoZen | Vivus ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 3,752.4%lowest quarter | 8.99 |
| Loan amount | €100 to €2,000lowest quarter | €50 to €1,400lowest quarter | €40,000 |
| Term | 3 monthslowest quarter | 7 to 30 monthsbelow the median | 60 months |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
CreditoZen
Pros
- The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so nothing is added to the sum you borrow.
- Money lands in under 24 business hours, quick enough for a bill that falls due this week.
- The term is 3, so the borrowing episode stays short and the interest charge stays small.
Cons
- €100 to €2,000 is a low ceiling for anything larger; Cashspace ES offers €100 to €5,000 and Monzo Flex £10,000 to £35,000 for bigger sums.
- The credit check is a hard one, so a refused application is visible to other lenders.
- Support runs on email and help centre only, so there is no phone line for a payment that is about to be taken.
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
CreditoZen
Who it suits
- Adults living in Spain with a valid DNI or NIE and a Spanish bank account, who can clear €100 to €2,000 within 3.
- Borrowers who want 0 EUR (no hidden fees) as the only cost and who are comfortable with a hard credit check.
- People who need a small sum quickly; Monzo Flex is the alternative for a far larger facility at £10,000 to £35,000.
Who should look elsewhere
- Anyone borrowing for a renovation or a car, since €100 to €2,000 will not stretch that far and Cashspace ES offers €100 to €5,000.
- Applicants living outside Spain or without a Spanish bank account, since eligibility is limited to adults resident in Spain.
- Anyone who wants to talk to someone: support runs on email and help centre, with no phone line listed.
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
CreditoZen
Current offer
Bonus
Préstamo rápido al 0% de interés: 0% interest, loans up to EUR 2000
Approval and final terms depend on the selected lender
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 | CreditoZen | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
CreditoZen
Is there a fee for taking out a loan with CreditoZen?+
No arrangement fee applies. The origination fee is 0 EUR (no hidden fees), and the percentage fee on the sum is 0%, so the amount approved is the amount that lands in your account. On a loan of €100 to €2,000 over 3 that keeps the cost of borrowing low next to lenders that add a charge for setting the loan up.
How much can I borrow, and over what term?+
CreditoZen lends €100 to €2,000, and the term is 3. That pair suits an unplanned bill: the balance is small enough to clear in a short repayment period, and the shorter the period, the less interest builds up. It is not the shape of loan for a large project, where a longer term would bring the instalment down.
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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