Updated September 30, 2026 · BorrowCue Editorial Team
CreditoZen vs Vivus
What sets them apart
| Compare |  CreditoZen |  Vivus |
|---|---|---|
| Loan amount | €100 to €2,000 | €50 to €10,000Higher |
| Term | 3 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 0 EUR (credit line disbursement fee) |
| Funding time | under 24 business hours | 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 |
| Lender type | Broker | Direct lender |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | 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 | Payday, Personal | Personal, Payday, CarCovers more |
| APR | Not confirmed | 44.5% |
| Representative example | Not confirmed | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Origination fee (%) (0%).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.8.
- Loan amount is higher at Vivus: €50 to €10,000 vs €100 to €2,000.
- Term is higher at Vivus: 3 to 60 months vs 3 months.
- Support channels: only Vivus offers Chat, Phone.
- Loan types: only Vivus offers Car.
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
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 | CreditoZen | Vivus |
|---|---|---|
| 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. | 9.0APR 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 | 8.5The range is the weak point: €100 to €2,000 covers a single small market, and payday and personal offers two loan types only. | 8.9Higher |
| Trust | 8.3 | 9.1Higher |
Positions in our rankings
| Ranking | CreditoZen | Vivus |
|---|---|---|
| Personal loans | 10 of 1932 | 24 of 1932 |
| Payday and short-term loans | 2 of 246 | 9 of 246 |
Side by side, item by item
| Loan types | CreditoZen | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Car | No | Yes |
Also worth a look
Sofkredit has term at 6 to 240 months, against 3 months for CreditoZen and 3 to 60 months for Vivus.
Sofkredit reviewEvery fact side by side
| Fact | CreditoZen | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Ban kos Technology OÜ | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | CreditoZen | Vivus | Median |
|---|---|---|---|
| APR | Not confirmed | 44.5%highest quarter | 8.99% |
| Loan amount | €100 to €2,000lowest quarter | €50 to €10,000below the median | €40,000 |
| Term | 3 monthslowest quarter | 3 to 60 monthsat 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
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
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
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
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
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 | CreditoZen | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
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
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
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