Updated September 30, 2026 · BorrowCue Editorial Team
Crezu ES vs Vivus
What sets them apart
| Compare |  Crezu ES |  Vivus |
|---|---|---|
| APR | 0% to 36%Lower | 44.5% |
| Loan amount | €100 to €5,000 | €50 to €10,000Higher |
| Term | 91 to 120 monthsHigher | 3 to 60 months |
| Arrangement fee | 0 EUR | 0 EUR (credit line disbursement fee) |
| Credit check | Soft prequal | Hard |
| Funding time | money in 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 | 300 EUR loan repayable in 67 days, costs 0 EUR, total repayable 300 EUR, APR 0% | 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 | Broker | Direct lender |
| Eligibility | 18+, internet access, ID document and bank account, Spain | 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, CarCovers more | Personal, Payday, Car |
| Credit needed | Poor | Good |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Use cases (Home improvement).
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Key differences
- APR is lower at Crezu ES: 0% to 36% vs 44.5%.
- Loan amount is higher at Vivus: €50 to €10,000 vs €100 to €5,000.
- Term is higher at Crezu ES: 91 to 120 months vs 3 to 60 months.
- Support channels: only Vivus offers Chat, Phone, Help centre.
- Features: only Vivus offers Credit line.
- Loan types: only Crezu ES offers Debt consolidation.
Our verdict on each
Crezu ES
Crezu ES suits Spanish borrowers with a poor credit history who need a small sum the same day. APR runs 0% to 36%, the origination fee is 0 EUR and advertised funding is money in 15 minutes, so the rate you are given rests on the partner lender who responds.
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 | Crezu ES | Vivus |
|---|---|---|
| Cost | 9.9Higher | 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 | 8.8Broker matching broker lenders, 0% to 36% APR and 0 EUR origination fee, with soft prequal credit checking. | 8.9Higher |
| Trust | 8.3 | 9.1Higher |
Ranges side by side
| Fact | Crezu ES | Vivus |
|---|---|---|
| Loan amount | €100 to €5,000 | €50 to €10,000 |
| Term | 91 to 120 months | 3 to 60 months |
Side by side, item by item
| Loan types | Crezu ES | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Use cases | Crezu ES | Vivus |
|---|---|---|
| Home improvement | Yes | Yes |
Positions in our rankings
| Ranking | Crezu ES | Vivus |
|---|---|---|
| Personal loans | 47 of 1932 | 24 of 1932 |
| Payday and short-term loans | 23 of 246 | 9 of 246 |
| Car loans | 11 of 431 | 8 of 431 |
| Home improvement loans | 20 of 562 | 11 of 562 |
Every fact side by side
| Fact | Crezu ES | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OÜ | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Crezu ES | Vivus | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 44.5%highest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €10,000below the median | €40,000 |
| Term | 91 to 120 monthshighest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Crezu ES
Pros
- APR runs 0% to 36%, so the headline cost sits at the low end of what lenders charge
- The origination fee is 0 EUR, and the representative example shows costs of nothing and a total repayable equal to the amount borrowed
- Funding is advertised at money in 15 minutes, which suits an urgent bill
Cons
- Crezu ES lists its lender kind as a broker (broker), so the rate you are offered depends on which partner responds
- APR can reach 0% to 36% at the top of the range, well above the 12% typical across the site
- Support runs on email only, with no phone or chat route listed
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
Crezu ES
Who it suits
- Adults in Spain with a poor credit history who need a small sum quickly
- Borrowers who want to see an offer through a soft prequalification rather than a full credit search
- Anyone comfortable letting a broker pass their details to partner lenders
Who should look elsewhere
- Monzo Flex readers, whose APR is 10% to 23% and who want a longer term for a larger sum
- Cashspace readers, whose APR is PHP 12 to PHP 36
- Borrowers who need phone or chat support, since Crezu ES lists email
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
Crezu ES
Current offer
Bonus
Primer prestamo sin coste (0% APR) para nuevos usuarios: 0% APR, costs 0 EUR
New users only; applies to partner lender offers
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 | Crezu ES | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Crezu ES
What APR does Crezu ES charge?+
Crezu ES publishes APR of 0% to 36%, from the lowest pricing to the highest. Because the brand is a broker, the rate depends on which partner lender responds and on your credit profile, so the lower end of the range is a starting point rather than the expected outcome. The median APR across the site is 12%.
Is there an arrangement or origination fee?+
The origination fee is 0 EUR, so there is no separate charge for setting the loan up. The representative example shows costs of nothing on a small short term borrowing, with a total repayable equal to the amount borrowed. Interest is the only element in that example.
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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