Updated September 28, 2026 · BorrowCue Editorial Team
Credityes ES vs Vivus ES
What sets them apart
| Compare |  Credityes ES |  Vivus ES |
|---|---|---|
| APR | 0% to 36% | 0% to 3,752.4% |
| Loan amount | €100 to €5,000Higher | €50 to €1,400 |
| Term | 2 to 36 monthsHigher | 7 to 30 months |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 0 EUR |
| Funding time | Money in a few minutes after a positive decision | up to 15 minutes after approval |
| Representative example | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 0% | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Broker | Direct lender |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Credit check | Not confirmed | Hard |
| Free early repayment | Not confirmed | No |
| Use cases | Home improvement | Not confirmed |
Same on both: Origination fee (%) (0%), Loan types (Personal, Payday).
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 ES scores higher overall: 9.0 vs 8.8.
- Loan amount is higher at Credityes ES: €100 to €5,000 vs €50 to €1,400.
- Term is higher at Credityes ES: 2 to 36 months vs 7 to 30 months.
- Support channels: only Vivus ES offers Phone, Help centre.
- Features: only Vivus ES offers Credit line.
Our verdict on each
Credityes ES
Credityes ES suits borrowers in Spain who want a personal or payday loan with no arrangement fee and money in minutes of a decision, with rates of 0% to 36% set by the match. The trade-off is a modest ceiling of €100 to €5,000 and a broker model, so the lender sets the final rate.
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 | Credityes ES | Vivus ES |
|---|---|---|
| Cost | 9.7HigherArrangement fee is free for the customer, the origination charge of 0% is nil, and interest runs 0% to 36% on both loan types. | 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 | 8.3 | 8.8Higher |
| Trust | 8.3 | 8.9Higher |
Choosing between them
Pick Credityes ES if cost, loan amount, and term matter most.
Pick Vivus ES if offer and trust matter most.
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes ES
0 to 208.57
0 to 208.57
Vivus ES
0 to 37,024
0 to 37,024
Both come to the same total.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Ranges side by side
| Fact | Credityes ES | Vivus ES |
|---|---|---|
| APR | 0% to 36% | 0% to 3,752.4% |
| Loan amount | €100 to €5,000 | €50 to €1,400 |
| Term | 2 to 36 months | 7 to 30 months |
How they place
| Ranking | Credityes ES | Vivus ES |
|---|---|---|
| Personal loans | 9 of 1932 | 25 of 1932 |
| Payday and short-term loans | 1 of 246 | 10 of 246 |
Every fact side by side
| Fact | Credityes ES | Vivus ES |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | SIA DoAff | Vivus Financial Services, S.A.U. |
| Headquarters | Latvia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | Vivus ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 3,752.4%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €1,400lowest quarter | €40,000 |
| Term | 2 to 36 monthsbelow the median | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Credityes ES
Pros
- The arrangement fee is free for the customer, because no commission is charged for selecting the loan, so nothing is added for putting it together.
- Rates of 0% to 36% start lower than Monzo Flex, which publishes a band of 10% to 23%.
- The representative example shows the total repayable equal to the amount borrowed, so the cheapest match costs nothing to carry.
Cons
- As a broker, Credityes ES leaves the final rate to the partner lender, so the published 0% to 36% is a starting point rather than an offer.
- Borrowing tops out at €100 to €5,000, well below the largest personal loan recorded on the site, €653,159.33.
- Support runs on email only, so a payment problem waits on a written reply instead of a phone line.
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
Credityes ES
Who it suits
- Borrowers living in Spain who need a personal or payday loan and want nothing added for the arrangement, provided they hold a bank account in their own name.
- Anyone covering a home improvement, since home improvement is listed among the uses.
- Cost-first readers who look at the total repayable before anything else, because the representative example shows nothing added to the amount borrowed.
Who should look elsewhere
- Not for a major renovation, where the ceiling of €100 to €5,000 falls well short of the largest personal loans on the site, €653,159.33, so a larger lender such as Monzo Flex is the fairer place to look.
- Not for a long repayment, because terms of 2 to 36 end well before the longest personal loans in the ranking, 480, so a longer provider is worth comparing first.
- Not for shoppers who want several rate bands side by side, since Cashspace sets out PHP 12 to PHP 36 while this service publishes a single range of 0% to 36%.
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
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
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 | Credityes ES | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credityes ES
Is there an arrangement fee or commission at Credityes ES?+
No. The arrangement fee is free for the customer, because the service charges no commission for selecting the loan, and the origination charge of 0% does not add to what you repay. What you see on an offer is interest set by the partner lender inside the published band of 0% to 36%.
What rate will I actually pay?+
The service publishes rates of 0% to 36% for personal and payday borrowing, and as a broker it sets a band rather than a single figure. The rate on your offer comes from the partner lender you are matched with. The representative example shows the cheapest end of that range, where the total repayable equals the amount borrowed.
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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