Updated September 28, 2026 · BorrowCue Editorial Team
Fidea vs Vivus ES
Where Fidea and Vivus ES differ
| Compare | Fidea ReviewVisitVisit |  Vivus ES |
|---|---|---|
| APR | 0% to 212% | 0% to 3,752.4% |
| Loan amount | €500 to €60,000Higher | €50 to €1,400 |
| Term | 3 to 60 monthsHigher | 7 to 30 months |
| Funding time | A few hours after approval | up to 15 minutes after approval |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Broker | Direct lender |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Payday, Debt consolidationCovers more | Payday, Personal |
| Free early repayment | Not confirmed | No |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Credit check (Hard), Origination fee (%) (0%).
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 8.9.
- Loan amount is higher at Fidea: €500 to €60,000 vs €50 to €1,400.
- Term is higher at Fidea: 3 to 60 months vs 7 to 30 months.
- Features: only Vivus ES offers Credit line.
- Loan types: only Fidea offers Debt consolidation.
Our verdict on each
Fidea
Fidea suits Spanish residents who want a fee-free personal, payday or debt consolidation loan funded within hours rather than the lowest possible rate. With an origination fee of 0 EUR and APR running 0% to 212%, it is a speed play for borrowers who can handle a hard credit check.
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 | Fidea | Vivus ES |
|---|---|---|
| Cost | 9.7HigherOrigination fee 0 EUR and percentage fee 0% keep entry costs at nothing, while APR runs 0% to 212%. | 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 | 8.9Higher | 8.8 |
| Trust | 8.3 | 8.9Higher |
Positions in our rankings
| Ranking | Fidea | Vivus ES |
|---|---|---|
| Personal loans | 18 of 1932 | 25 of 1932 |
| Payday and short-term loans | 6 of 246 | 10 of 246 |
Ranges side by side
| Fact | Fidea | Vivus ES |
|---|---|---|
| APR | 0% to 212% | 0% to 3,752.4% |
| Loan amount | €500 to €60,000 | €50 to €1,400 |
| Term | 3 to 60 months | 7 to 30 months |
Licences and countries
Available in 1 country for both.
Where these facts come from
Fidea
- fidea.es: 17 facts, checked September 26, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Fidea | Vivus ES |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Finceptiv OU (reg. 14563072) | Vivus Financial Services, S.A.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Fidea | Vivus ES | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 3,752.4%lowest quarter | 8.99 |
| Loan amount | €500 to €60,000above the median | €50 to €1,400lowest quarter | €40,000 |
| Term | 3 to 60 monthsat 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
Fidea
Pros
- No fee comes off the top: the origination fee is 0 EUR and the percentage fee is 0%.
- Funds move A few hours after approval, which is where Fidea outruns slower lenders.
- One application covers personal, payday and debt consolidation and amounts of €500 to €60,000 over terms of 3 to 60.
Cons
- APR runs 0% to 212%, and the representative example ends with a total repayable far above the amount borrowed on a modest sum.
- Applications use a hard credit check (hard), so a refusal is on file and cannot be quietly undone.
- Fidea is a broker, broker, which means the lender, the final rate and the contract terms are set elsewhere after you apply.
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
Fidea
Who it suits
- Residents of Spain holding a DNI or NIE with a Spanish bank account, a mobile number and an email.
- Borrowers with a thin credit file who can live with a hard credit check in exchange for A few hours after approval.
- Anyone planning a home project who wants the fee side of the deal to read 0 EUR.
Who should look elsewhere
- Rate hunters with a strong file: Monzo Flex shows 10% to 23%, far below the top of Fidea's range.
- Borrowers who want one named lender and stated terms up front, since Fidea is a broker and Monzo Flex lists its own range of 10% to 23%.
- Anyone comparing beyond a single market: Cashspace lists PHP 12 to PHP 36, quoted in a different currency for a different set of borrowers.
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
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 | Fidea | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Fidea
Does Fidea charge an arrangement or origination fee?+
No. The origination fee is 0 EUR and the percentage fee is 0%, so nothing is deducted before the loan is paid out. What you pay is interest, and the number to check is the representative example, which on a modest sum shows a total repayable well above the amount borrowed.
What APR will I actually pay?+
Fidea quotes APR of 0% to 212%, a wide spread that reflects the partner lender you are matched with rather than a single Fidea price. For context, the median across the personal loans compared here is 12.25%, so treat the lower end as the realistic target and the upper end as what a thin file can be charged.
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.
Other options to compare
Other matchups
- Fidea vs Oney Préstamos ES
- Fidea vs Sofkredit
- Fidea vs Quick Car Finance
- Fidea vs Prestamiau ES
- Fidea vs Credityes
- Vivus ES vs Multitude Bank p.l.c
- Vivus ES vs Qonto ES
- Fidea vs Fiesta Credito
- Fidea vs Fiesta Credito MX
- Vivus ES vs Lendela
- Vivus ES vs BriteCap Financial
- Vivus ES vs Kredivo
- Vivus ES vs Moneyveo UA
- Vivus ES vs TF Bank
- Vivus ES vs Upgrade