Updated September 30, 2026 · BorrowCue Editorial Team
Me Presta MX vs Vivus
Me Presta MX vs Vivus: the differences
| Compare |  Me Presta MX |  Vivus |
|---|---|---|
| APR | 0% to 38%Lower | 44.5% |
| Loan amount | MX$1,000 to MX$50,000 | €50 to €10,000 |
| Term | 2 to 36 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 MXN | 0 EUR (credit line disbursement fee) |
| Funding time | Pocos minutos, en linea 24/7 | 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 | $10,000 pesos a una tasa anual del 12% con un plazo de pago de 6 meses, tu pago mensual será de $1,732.98, el reembolso total será de $10,397.88, con un CAT total de 12.001% | 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 | Marketplace | Direct lender |
| Eligibility | 18-70 anos, reside en MX (mexicano), cuenta bancaria CLABE a su nombre, celular y correo electronico | 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. |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Good |
Same on both: Origination fee (%) (0%), Loan types (Personal, Payday, Car), Use cases (Home improvement).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.7.
- APR is lower at Me Presta MX: 0% to 38% vs 44.5%.
- Term is higher at Vivus: 3 to 60 months vs 2 to 36 months.
- Support channels: only Vivus offers Chat, Phone, Help centre.
- Features: only Vivus offers Credit line.
Our verdict on each
Me Presta MX
Me Presta MX suits Mexican borrowers who want a small personal, payday or car loan set up online in a matter of minutes, with a headline rate that runs 0% to 38%. The trade-off is the marketplace setup, where a lender is matched to you, plus support that runs on email alone.
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 | Me Presta MX | Vivus |
|---|---|---|
| Cost | 9.7HigherOrigination costs 0 MXN and the rate band 0% to 38% starts low but reaches past 24.92%, so cost depends on the match. | 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 | 8.2 | 8.9Higher |
| Trust | 8.1 | 9.1Higher |
How they place
| Ranking | Me Presta MX | Vivus |
|---|---|---|
| Personal loans | 42 of 1932 | 24 of 1932 |
| Payday and short-term loans | 21 of 246 | 9 of 246 |
| Car loans | 10 of 431 | 8 of 431 |
| Home improvement loans | 18 of 562 | 11 of 562 |
Side by side, item by item
| Loan types | Me Presta MX | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Car | Yes | Yes |
| Use cases | Me Presta MX | Vivus |
|---|---|---|
| Home improvement | Yes | Yes |
Pick Me Presta MX if, pick Vivus if
Pick Me Presta MX if cost and apr matter most.
Pick Vivus if offer and term matter most.
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 38% for Me Presta MX and 44.5% for Vivus.
FINANZCHECK.de reviewSources behind this comparison
Me Presta MX
- mepresta.com.mx: 15 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Every fact side by side
| Fact | Me Presta MX | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | SIA DOAFF (reg. 40203426084) | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Latvia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Me Presta MX | Vivus | Median |
|---|---|---|---|
| APR | 0% to 38%lowest quarter | 44.5%highest quarter | 8.99 |
| Term | 2 to 36 monthsbelow the median | 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
Me Presta MX
Pros
- Origination costs nothing to arrange: the fee is 0 MXN and the fee percentage is 0%, so the rate is effectively the whole cost.
- Fast money, since funding is listed as Pocos minutos, en linea 24/7 and Me Presta MX carries the same day funding feature.
- Borrowing runs MXN 1,000 to MXN 50,000, well past the €876.96 typical amount in this comparison, so a repair bill and a larger cost both fit.
Cons
- Support runs on email only, so there is no phone line or live chat for an urgent payment problem.
- The band 0% to 38% is wide, and its expensive end sits above the 10% to 23% range at Monzo Flex, so an unlucky match is costly.
- As a marketplace the lender is chosen for you, so the rate on your offer is not the headline band and terms can differ between matches.
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
Me Presta MX
Who it suits
- Mexican residents of adult age with a CLABE bank account in their own name, a mobile number and an email, matching the eligibility set out.
- Borrowers with a car or home improvement plan, since the loan types listed are personal, payday and car and the stated use case is home improvement.
- Anyone shopping on total cost: with the origination fee at 0 MXN, the rate is the only thing that moves the repayment.
Who should look elsewhere
- Readers who want a narrower, lower rate band: Monzo Flex quotes 10% to 23%, a tighter range than 0% to 38%.
- Borrowers chasing the lowest headline rate in this group: Cashspace ES lists 0%.
- Anyone who wants to choose the lender rather than take a match: marketplace makes that choice for you, a different arrangement from Cashspace, whose band is PHP 12 to PHP 36.
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
Me Presta MX
Current offer
First period offer
Primer préstamo desde 0% de interés: CAT 0% en el primer préstamo
Some partner lenders offer 0% CAT on the first loan; stated overall CAT range 0% to 38%, term 61 days to 36 months
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 | Me Presta MX | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Mexico | Yes | No |
Questions about each
Me Presta MX
What rate will I pay?+
The published band runs 0% to 38%, and the rate you receive depends on the lender you are matched with as a marketplace. The origination fee is 0 MXN, so the rate is effectively your total cost. Compare your own offer against the 12.25% median in the personal loans ranking before you accept it.
Is there a fee for taking the loan out?+
The origination fee is 0 MXN and the fee percentage is 0%, so arranging the loan adds nothing to the amount you borrow. The representative example on the brand shows the total repaid sitting only a little above the sum borrowed on a low annual rate. Interest on a short term is what keeps a small loan cheap.
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
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- Vivus vs Multitude Bank p.l.c
- Vivus vs Qonto ES
- Vivus vs Fiesta Credito
- Vivus 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