Updated September 28, 2026 · BorrowCue Editorial Team
Lendela vs Vivus ES
What sets them apart
| Compare |  Lendela |  Vivus ES |
|---|---|---|
| APR | up to 48% | 0% to 3,752.4% |
| Loan amount | SGD 1,000 to SGD 200,000 | €50 to €1,400 |
| Term | 3 to 72 monthsHigher | 7 to 30 months |
| Arrangement fee | SGD 0 | 0 EUR |
| Credit check | None | Hard |
| Funding time | Around 1-2 days from application to disbursement; some within hours | up to 15 minutes after approval |
| Representative example | Personal loan: $20,000 at APR 6.95% over 5 years, total payable $26,940, monthly cost $449 | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Marketplace | Direct lender |
| Eligibility | Age 21 or older; Singapore citizen or PR (foreigners also considered, higher income threshold); min annual income SGD 20,000-30,000 citizens/PR | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Debt consolidation, Business, Secured, Student | Payday, Personal |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Fair | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Vivus ES scores higher overall: 9.0 vs 8.5.
- Founded is lower at Vivus ES: 2013 vs 2018.
- Lendela is available in 1 more country.
- Term is higher at Lendela: 3 to 72 months vs 7 to 30 months.
- Loan types: only Lendela offers Debt consolidation, Business, Secured.
- Loan types: only Vivus ES offers Payday.
Our verdict on each
Lendela
Lendela suits Singapore borrowers who want a fast loan without a credit check. The marketplace matches amounts of SGD 1,000 to SGD 200,000 over terms of 3 to 72, with an APR of up to 48% set by the lender you are matched to.
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 | Lendela | Vivus ES |
|---|---|---|
| Cost | Not confirmed | 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 | 8.9HigherFees are SGD 0 to arrange a personal loan and SGD 0 on the mortgage side. | 8.8 |
| Trust | 8.2 | 8.9Higher |
Where they rank in our lists
| Ranking | Lendela | Vivus ES |
|---|---|---|
| Personal loans | 74 of 1932 | 25 of 1932 |
| Lines of credit | 10 of 328 | 3 of 328 |
Which one suits you
Pick Lendela if term matter most.
Pick Vivus ES if trust matter most.
If neither fits
Sofkredit has term at 6 to 240 months, against 3 to 72 months for Lendela and 7 to 30 months for Vivus ES.
Sofkredit reviewSources behind this comparison
Lendela
- sg.lendela.com: 16 facts, checked September 26, 2026
- hk.lendela.com: 1 fact, checked September 26, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
Every fact side by side
| Fact | Lendela | Vivus ES |
|---|---|---|
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Lendela Pte. Ltd. | Vivus Financial Services, S.A.U. |
| Headquarters | Singapore | Spain |
| Founded | 2018 | 2013Lower |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Mortgages
| Fact | Lendela | Vivus ES |
|---|---|---|
| Initial rate | 2.4% | Not confirmed |
| Product fee | SGD 0 | Not confirmed |
| Purpose | Purchase, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Lendela | Vivus ES | Median |
|---|---|---|---|
| APR | up to 48%highest quarter | 0% to 3,752.4%lowest quarter | 8.99 |
| Term | 3 to 72 monthsabove the median | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Lendela
Pros
- No credit check at all, and a fair credit profile is enough to apply.
- The range covers personal, debt consolidation and business lending under one roof.
- Funding is quick, with disbursement within hours on some applications.
Cons
- A marketplace model (marketplace) means the matched lender sets the rate, so up to 48% is a ceiling.
- That ceiling is steep next to 10% to 23% at Monzo Flex.
- Support runs on email, phone and help centre, with no live chat listed.
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
Lendela
Who it suits
- Singapore citizens and permanent residents with a steady income who need money quickly.
- Borrowers with fair credit, or who would rather avoid a credit check altogether.
- Anyone funding home improvement work, its named use case: home improvement.
Who should look elsewhere
- Not for lowest rate seekers: Monzo Flex runs at 10% to 23%.
- Not for shoppers after a cost free product: Cashspace ES lists 0%.
- Not for borrowers outside Singapore: Cashspace serves the Philippines at PHP 12 to PHP 36.
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 | Lendela | Vivus ES |
|---|---|---|
| Hong Kong | Yes | No |
| Singapore | Yes | No |
| Spain | No | Yes |
Questions about each
Lendela
What APR does Lendela charge?+
The published APR runs to up to 48% on personal loans, and that figure is a ceiling rather than a rate every borrower pays. Because Lendela is a marketplace, the rate depends on the matched lender and on your own credit standing.
Are there fees to arrange a loan?+
The origination fee on personal loans is SGD 0, and the product fee on the mortgage side is SGD 0, so arranging a facility itself costs little. Interest remains the main price of the money, and the representative example shows how instalments add up.
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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