Updated September 30, 2026 · BorrowCue Editorial Team
Ibancar Prestamos vs Vivus
What sets them apart
| Compare |  Ibancar Prestamos |  Vivus |
|---|---|---|
| APR | 12.74% to 13.01%Lower | 44.5% |
| Loan amount | €600 to €8,000 | €50 to €10,000Higher |
| Term | 12 to 60 months | 3 to 60 months |
| Funding time | Same day, up to 24 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 |
| Representative example | 1,000 EUR over 36 months, French amortisation, APR 13.01%, interest 199.15 EUR, total amount owed 1,199.15 EUR | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Eligibility | Applicants resident in Spain (mainland, Balearic Islands, Canary Islands) who own the car pledged as collateral; ASNEF-listed applicants accepted | 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, Car, Secured | Personal, Payday, Car |
| Credit needed | Poor | Good |
| Arrangement fee | Not confirmed | 0 EUR (credit line disbursement fee) |
| Credit check | Not confirmed | Hard |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender).
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Key differences
- APR is lower at Ibancar Prestamos: 12.74% to 13.01% vs 44.5%.
- Loan amount is higher at Vivus: €50 to €10,000 vs €600 to €8,000.
- Support channels: only Vivus offers Chat.
- Features: only Vivus offers Credit line.
- Loan types: only Ibancar Prestamos offers Secured.
- Loan types: only Vivus offers Payday.
Our verdict on each
Ibancar Prestamos
Ibancar Prestamos lends its own money rather than brokering, and 12.74% to 13.01% over 12 to 60 suits Spanish residents who own the car they pledge. Fixed pricing and Same day, up to 24 hours funding keep the monthly figure steady, with the car as the anchor for every loan.
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 | Ibancar Prestamos | Vivus |
|---|---|---|
| Cost | 8.7 | 9.0HigherAPR 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 | 9.2Higher12.74% to 13.01% on €600 to €8,000 over 12 to 60, fixed pricing and Same day, up to 24 hours funding. | 8.9 |
| Trust | 9.2Higher | 9.1 |
Side by side, item by item
| Loan types | Ibancar Prestamos | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Secured | Yes | No |
| Car | Yes | Yes |
From lowest to highest
| Fact | Ibancar Prestamos | Vivus |
|---|---|---|
| Loan amount | €600 to €8,000 | €50 to €10,000 |
| Term | 12 to 60 months | 3 to 60 months |
If neither fits
Sofkredit has apr at 10.74% to 18.06%, against 12.74% to 13.01% for Ibancar Prestamos and 44.5% for Vivus.
Sofkredit reviewHow they place
| Ranking | Ibancar Prestamos | Vivus |
|---|---|---|
| Personal loans | 15 of 1932 | 24 of 1932 |
| Car loans | 4 of 431 | 8 of 431 |
Every fact side by side
| Fact | Ibancar Prestamos | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Ibancar World SL | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Spain | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Phone, Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Ibancar Prestamos | Vivus | Median |
|---|---|---|---|
| APR | 12.74% to 13.01%above the median | 44.5%highest quarter | 8.99 |
| Loan amount | €600 to €8,000below the median | €50 to €10,000below the median | €40,000 |
| Term | 12 to 60 monthsat the median | 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
Ibancar Prestamos
Pros
- A direct lender, so Ibancar World SL carries the loan itself rather than passing the application on
- 12.74% to 13.01% sits close to the 12% middle of the loans tracked here, so the rate is not an outlier
- Pricing stays fixed for the whole term, which makes the monthly amount easier to plan around
Cons
- Collateral is not optional, since the car you pledge is what stands behind the 12.74% to 13.01% rate
- Borrowing stops at €600 to €8,000, well short of the €16,443.04 reached by other secured lenders
- Terms are capped at 12 to 60, so a large balance has to clear quickly
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
Ibancar Prestamos
Who it suits
- Spanish residents who own the car they pledge and want 12.74% to 13.01% fixed rate borrowing
- Borrowers carrying ASNEF markers, who are accepted on the eligibility criteria
- People who need money moving Same day, up to 24 hours rather than waiting on a longer application route
Who should look elsewhere
- Borrowers chasing a balance beyond €600 to €8,000 or a term longer than 12 to 60
- People with no car to pledge, since the collateral sits underneath the 12.74% to 13.01% rate
- Residents outside Spain, who fall outside the eligibility criteria and would need a local lender instead
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
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 | Ibancar Prestamos | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Ibancar Prestamos
What is the cheapest way to borrow from Ibancar Prestamos?+
The rate is 12.74% to 13.01% and it does not move, so the cheapest route is the longest term you can carry without strain. Borrowing €600 to €8,000 over 12 to 60 spreads the cost most thinly. Ask for the representative example in writing before you sign, since the total repayable follows from how long the balance stays outstanding.
Who can apply for a loan here?+
Applicants resident in Spain, covering the mainland, the Balearic Islands and the Canary Islands, who own the car pledged as collateral. ASNEF-listed applicants are accepted on the eligibility criteria, and poor confirms a thin credit file is workable. Residency and car ownership are the two conditions that matter most.
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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