Updated September 28, 2026 · BorrowCue Editorial Team
Kredivo vs Vivus ES
Kredivo vs Vivus ES: the differences
| Compare |  Kredivo |  Vivus ES |
|---|---|---|
| APR | 0% to 41.51% | 0% to 3,752.4% |
| Loan amount | IDR 1,000,000 to IDR 50,000,000 | €50 to €1,400 |
| Term | 1 to 24 months | 7 to 30 monthsHigher |
| Arrangement fee | 0 for 1-month and 3/6/9/12/18/24-month installment tenors; 6% of the loan on KrediFazz cash loans | 0 EUR |
| Funding time | Application in 5 minutes, account decision within 1x24 hours | up to 15 minutes after approval |
| Representative example | IDR 4,000,000 over 12 months at 1.99% per month: IDR 412,950 per month, IDR 4,955,400 total | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Eligibility | Indonesian citizens aged 18 to 60, domiciled in Indonesia, minimum monthly income IDR 3,000,000 | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | BNPL, Personal, Credit line | Payday, Personal |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Not confirmed | No |
Same on both: Credit check (Hard), Lender type (Direct lender), Origination fee (%) (0%).
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Key differences
- Kredivo scores higher overall: 9.3 vs 9.0.
- Term is higher at Vivus ES: 7 to 30 months vs 1 to 24 months.
- Support channels: only Kredivo offers Chat.
- Loan types: only Kredivo offers BNPL, Credit line.
- Loan types: only Vivus ES offers Payday.
Our verdict on each
Kredivo
Kredivo suits Indonesian adults who want small, fixed-rate instalments or a credit line they can draw on. It lends directly, with a 0% arrangement fee on its installment plans, and decisions come back fast enough to hold the money for same-day spending.
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 | Kredivo | Vivus ES |
|---|---|---|
| Cost | 9.7HigherArrangement fee is 0% on the installment plans, and the rate type is fixed, so instalment costs do not drift. | 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 | 8.7 | 8.8Higher |
| Trust | 9.2Higher | 8.9 |
If neither fits
Sofkredit has term at 6 to 240 months, against 1 to 24 months for Kredivo and 7 to 30 months for Vivus ES.
Sofkredit reviewWhat we checked
Kredivo
- kredivo.id: 12 facts, checked September 26, 2026
- play.google.com: 5 facts, checked September 26, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
How they place
| Ranking | Kredivo | Vivus ES |
|---|---|---|
| Personal loans | 84 of 1944 | 25 of 1944 |
| Lines of credit | 12 of 328 | 3 of 328 |
Every fact side by side
| Fact | Kredivo | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | PT Kredivo Finance Indonesia | Vivus Financial Services, S.A.U. |
| Headquarters | Indonesia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Chat, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Kredivo | Vivus ES | Median |
|---|---|---|---|
| APR | 0% to 41.51%lowest quarter | 0% to 3,752.4%lowest quarter | 8.99 |
| Term | 1 to 24 monthslowest quarter | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1007 listed lenders.
Pros and cons
Kredivo
Pros
- No arrangement fee on installment plans, at 0%
- Fixed rates at fixed, so monthly payments do not drift
- Repayment terms run 1 to 24, so short and long plans both work
Cons
- Applications use a hard credit check (hard)
- APR runs as high as 0% to 41.51% at the top of the range
- KrediFazz cash loans add an arrangement fee on top of interest, unlike the installment plans
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
Kredivo
Who it suits
- Adults in Indonesia with a steady monthly income who can meet the eligibility rules
- Shoppers splitting purchases into instalments through the app
- Borrowers who want an app-drawn credit line as well as a one-off loan
Who should look elsewhere
- Anyone outside Indonesia, since eligibility is limited to Indonesian citizens domiciled there
- Monzo Flex, for borrowers who prefer a lower-rate personal loan over an instalment app
- Cashspace, for anyone wanting a single credit decision against a stated APR range
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
Kredivo
Current offer
Discount code
Triple 0: 0% installments for 12 months on iPhone 15, iPhone 16 and Macbook, plus 2 months free: 0% installment interest, 0% admin fee, 0% down payment, 2 months free; 6% admin fee per transaction on the 2-months-free part
Stated promo period runs until December 2025; valid at Erafone, iBox, Digimap, Digiplus, Blibli Store and Hello; one voucher per user; min. transaction IDR 500,000; late payment adds 2 installments plus interest and late fees
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 | Kredivo | Vivus ES |
|---|---|---|
| Indonesia | Yes | No |
| Spain | No | Yes |
Questions about each
Kredivo
What does Kredivo cost to borrow?+
The arrangement fee on the installment plans is 0%, and interest is charged at 0% to 41.51% on a fixed rate, so the monthly payment holds steady across the term. KrediFazz cash loans charge an arrangement fee on top of that interest.
How long can I borrow for?+
Terms run 1 to 24, so a plan can be as short as a single month or stretch across a longer repayment period. The longer the term, the more you pay in interest overall, so the shortest workable term costs least in total.
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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