Updated September 30, 2026 · BorrowCue Editorial Team
Fiesta Credito vs Vivus
What sets them apart
| Compare |  Fiesta Credito |  Vivus |
|---|---|---|
| APR | 0% to 317%Lower | 44.5% |
| Loan amount | €100 to €5,000 | €50 to €10,000Higher |
| Term | 2 to 3 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 EUR (credit line disbursement fee) |
| Credit check | Soft prequal | Hard |
| Funding time | Under 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 | EUR 300 over 66 days: loan cost EUR 45.26, total repayable EUR 345.25, TAE 203.72% | 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 | Aged 18 to 80, legal resident in Spain, Spanish bank account with IBAN, valid DNI or NIE, Spanish mobile number | 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 | Personal, Payday, CarCovers more |
| Credit needed | Poor | Good |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
Same on both: Origination fee (%) (0%), Use cases (Home improvement).
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 scores higher overall: 9.0 vs 8.9.
- Founded is lower at Vivus: 2008 vs 2020.
- APR is lower at Fiesta Credito: 0% to 317% vs 44.5%.
- Loan amount is higher at Vivus: €50 to €10,000 vs €100 to €5,000.
- Term is higher at Vivus: 3 to 60 months vs 2 to 3 months.
- Support channels: only Vivus offers Chat.
- Features: only Vivus offers Credit line.
- Loan types: only Vivus offers Car.
Our verdict on each
Fiesta Credito
Fiesta Credito suits adults in Spain who need a modest short-term loan in a hurry and have an imperfect credit file, thanks to a soft prequalification check and funding in Under 15 minutes. The trade-off is cost: the annual rate runs 0% to 317% and the cost score is 7.3.
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 | Fiesta Credito | Vivus |
|---|---|---|
| Cost | 9.7HigherThe arrangement fee is 0 EUR and the percentage charge is 0%, but the rate is the weight in the balance. | 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 | 8.7 | 8.9Higher |
| Trust | 8.2 | 9.1Higher |
Choosing between them
Pick Fiesta Credito if cost and apr matter most.
Pick Vivus if trust, loan amount, term, and loan types matter most.
Positions in our rankings
| Ranking | Fiesta Credito | Vivus |
|---|---|---|
| Personal loans | 35 of 1932 | 24 of 1932 |
| Payday and short-term loans | 16 of 246 | 9 of 246 |
| Home improvement loans | 14 of 562 | 11 of 562 |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 317% for Fiesta Credito and 44.5% for Vivus.
FINANZCHECK.de reviewSources behind this comparison
Fiesta Credito
- fiestacredito.es: 18 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Every fact side by side
| Fact | Fiesta Credito | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Finceptiv OU | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | 2020 | 2008Lower |
| Support channels | Email, Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Fiesta Credito | Vivus | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 44.5%highest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €10,000below the median | €40,000 |
| Term | 2 to 3 monthslowest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Fiesta Credito
Pros
- Speed is the product: same-day funding in Under 15 minutes suits a bill that cannot wait.
- The check is a soft prequalification (soft prequal), a gentler first look than a hard enquiry, and the target is poor credit files.
- The sums are contained, €100 to €5,000, so the exposure if the month goes wrong is smaller than on a large personal loan.
Cons
- The annual rate is the price of that speed, and 0% to 317% sits well above the 12% figure typical of lenders listed here.
- The term is 2 to 3, so the balance returns faster than most personal loans and there is little room to stretch a payment.
- It is a broker rather than the lender, so the rate and fees you sign are the ones on the lender's offer.
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
Fiesta Credito
Who it suits
- Adults in Spain who hold a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, and need a small sum covered in Under 15 minutes.
- Borrowers with poor credit whose file would struggle with a hard enquiry, since the initial look is a soft prequalification.
- People who can clear a bridging cost, such as an urgent repair, from the next payment rather than from savings.
Who should look elsewhere
- Anyone after a long, cheaper personal loan: 2 to 3 is a brief repayment window, and Monzo Flex at 10% to 23% suits borrowing repaid over years.
- Borrowers chasing the lowest rate, because 0% to 317% is the cost of the speed and Cashspace at PHP 12 to PHP 36 is worth checking on price.
- Anyone without a Spanish bank account, a valid DNI or NIE and a Spanish mobile number, since eligibility asks for all three.
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
Fiesta Credito
Current offer
First period offer
First 3000 EUR with no commission, repayable over 60 months: 3000 EUR, 0 EUR commission
Source, checked September 26, 2026
First period offer
First loan up to 300 EUR at 0% interest: 0% interest on first loan up to 300 EUR
New customers; repayable in a period of up to 90 days
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 | Fiesta Credito | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Fiesta Credito
How much can I borrow, and for how long?+
Loans run €100 to €5,000 and repayments are scheduled over 2 to 3, so the balance returns quickly and the interest has little time to build. Among the 685 brands on this site ranked for loan amount, Fiesta Credito sits at 527. It suits a gap between a payment and the next, not a project that needs spreading over years.
What does it cost to borrow?+
The annual rate is 0% to 317%, and the arrangement charge is 0 EUR. The representative example makes the split visible, with the cost of borrowing taking a clear share of the total repayable over a short term. Because the rate is the weight in the balance, comparing rates across lenders matters more here than skipping a fee.
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
Other matchups
- Fiesta Credito vs Oney Préstamos ES
- Fiesta Credito vs Sofkredit
- Vivus vs Quick Car Finance
- Fiesta Credito vs Prestamiau ES
- Fiesta Credito vs Credityes
- Fiesta Credito vs Fidea
- Vivus vs Multitude Bank p.l.c
- Vivus vs Qonto ES
- Fiesta Credito vs Fiesta Credito MX
- Vivus vs Lendela
- Vivus vs BriteCap Financial
- Vivus vs Kredivo
- Vivus vs Moneyveo UA
- Vivus vs TF Bank
- Vivus vs Upgrade