Updated September 28, 2026 · BorrowCue Editorial Team
Moneyveo UA vs Vivus ES
Moneyveo UA vs Vivus ES: the differences
| Compare |  Moneyveo UA |  Vivus ES |
|---|---|---|
| APR | 3.65% to 357.77% | 0% to 3,752.4%Lower |
| Loan amount | UAH 500 to UAH 50,000 | €50 to €1,400 |
| Term | 60 monthsHigher | 7 to 30 months |
| Arrangement fee | 0 UAH (0% of loan amount on first Smart loan) | 0 EUR |
| Funding time | 24/7, to any Ukrainian bank card immediately after contract signing | up to 15 minutes after approval |
| Free early repayment | YesHas it | No |
| Eligibility | Ukrainian citizenship, age 18+, Ukrainian bank card, passport and tax ID, internet access | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Payday, Credit lineCovers more | Payday, Personal |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Rate type | Fixed | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Lender type (Direct lender), Origination fee (%) (0%).
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Key differences
- Moneyveo UA scores higher overall: 9.3 vs 9.0.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 3.65% to 357.77%.
- Free early repayment: only Moneyveo UA.
- Term is higher at Moneyveo UA: 60 months vs 7 to 30 months.
- Support channels: only Moneyveo UA offers Chat.
- Loan types: only Moneyveo UA offers Credit line.
Our verdict on each
Moneyveo UA
Moneyveo UA suits Ukrainian borrowers with thin credit files who need cash the same day, not anyone planning a long cheap loan. Rates are fixed and APR runs 3.65% to 357.77%, so the cost of borrowing depends heavily on the deal you are offered.
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 | Moneyveo UA | Vivus ES |
|---|---|---|
| Cost | 9.4HigherAPR of 3.65% to 357.77% against a payday median of 36.5%, on a fixed rate. | 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 | 9.8Higher | 8.8 |
| Trust | 8.9 | 8.9 |
Ranges side by side
| Fact | Moneyveo UA | Vivus ES |
|---|---|---|
| APR | 3.65% to 357.77% | 0% to 3,752.4% |
Positions in our rankings
| Ranking | Moneyveo UA | Vivus ES |
|---|---|---|
| Personal loans | 86 of 1932 | 25 of 1932 |
| Payday and short-term loans | 36 of 246 | 10 of 246 |
| Lines of credit | 13 of 328 | 3 of 328 |
Every fact side by side
| Fact | Moneyveo UA | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | TOV "MANIVEO SHVYDKA FINANSOVA DOPOMOGA" (EDRPU 38569246) | Vivus Financial Services, S.A.U. |
| Headquarters | Ukraine | Spain |
| Founded | 2013 | 2013 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Moneyveo UA | Vivus ES | Median |
|---|---|---|---|
| APR | 3.65% to 357.77%lowest quarter | 0% to 3,752.4%lowest quarter | 8.99 |
| Term | 60 monthsat the median | 7 to 30 monthsbelow the median | 60 months |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Moneyveo UA
Pros
- Money lands on any Ukrainian bank card right after the contract is signed
- Free early repayment, so paying off sooner costs nothing extra
- Arrangement fee of 0 UAH (0% of loan amount on first Smart loan) on the first Smart loan
Cons
- APR of 3.65% to 357.77% tops out far above the payday median of 36.5%
- The file is built for poor credit, so poor is the target rather than a strong profile
- Term of 60 is the longest most lenders on the list offer
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
Moneyveo UA
Who it suits
- Ukrainian citizens with a thin credit file and an urgent bill
- Borrowers happy to take a fixed rate on a personal, payday or credit line loan
- Anyone who can settle part of the balance early without a charge
Who should look elsewhere
- Borrowers wanting the lowest cost, who should compare rates on Monzo Flex at 10% to 23%
- Anyone needing a long term, since the 60 term outruns most rivals
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
Moneyveo UA
Current offer
First period offer
First Smart loan at 0.01% per day: 0.01% per day
First Smart loan, discount period 3-20 days, up to 50 000 UAH, no issuance commission
Source, checked September 26, 2026
Bonus
We give a better deal than competitors: +10% discount versus a competitor offer
Compared with a discount offered by another service; 10% increase over the competitor discount
Source, checked September 26, 2026
First period offer
Grace period: 3 extra days to repay
Grace period on the first loan
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 | Moneyveo UA | Vivus ES |
|---|---|---|
| Spain | No | Yes |
| Ukraine | Yes | No |
Questions about each
Moneyveo UA
What does Moneyveo charge to borrow?+
APR runs from 3.65% to 357.77% across personal, payday and credit line loans on a fixed rate, fixed. The arrangement fee is 0 UAH (0% of loan amount on first Smart loan), so the first Smart loan carries none. Early repayment is free, which keeps the total down if the money comes back early.
How fast is the money?+
Funding runs day and night straight to any Ukrainian bank card, immediately after the contract is signed. Same day funding is one of the features listed for the brand, same day funding and credit line, which is the main reason borrowers choose it over a bank that pays out in days.
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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