Updated September 30, 2026 · BorrowCue Editorial Team
Moneyveo UA vs Vivus
What sets them apart
| Compare |  Moneyveo UA |  Vivus |
|---|---|---|
| APR | 3.65% to 357.77%Lower | 44.5% |
| Loan amount | UAH 500 to UAH 50,000 | €50 to €10,000 |
| Term | 60 months | 3 to 60 months |
| Arrangement fee | 0 UAH (0% of loan amount on first Smart loan) | 0 EUR (credit line disbursement fee) |
| Funding time | 24/7, to any Ukrainian bank card immediately after contract signing | 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 |
| Eligibility | Ukrainian citizenship, age 18+, Ukrainian bank card, passport and tax ID, internet access | 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, Payday, Credit line | Personal, Payday, Car |
| Credit needed | Poor | Good |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Lender type (Direct lender), Free early repayment (Yes), Origination fee (%) (0%).
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Key differences
- Moneyveo UA scores higher overall: 9.3 vs 9.0.
- Founded is lower at Vivus: 2008 vs 2013.
- APR is lower at Moneyveo UA: 3.65% to 357.77% vs 44.5%.
- Loan types: only Moneyveo UA offers Credit line.
- Loan types: only Vivus offers Car.
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
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 | Moneyveo UA | Vivus |
|---|---|---|
| Cost | 9.4HigherAPR of 3.65% to 357.77% against a payday median of 36.5%, on a fixed rate. | 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 | 9.8Higher | 8.9 |
| Trust | 8.9 | 9.1Higher |
Where they rank in our lists
| Ranking | Moneyveo UA | Vivus |
|---|---|---|
| Personal loans | 86 of 1932 | 24 of 1932 |
| Payday and short-term loans | 36 of 246 | 9 of 246 |
| Lines of credit | 13 of 328 | 2 of 328 |
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 3.65% to 357.77% for Moneyveo UA and 44.5% for Vivus.
Prestamiau ES reviewEvery fact side by side
| Fact | Moneyveo UA | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | TOV "MANIVEO SHVYDKA FINANSOVA DOPOMOGA" (EDRPU 38569246) | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Ukraine | Latvia |
| Founded | 2013 | 2008Lower |
| Support channels | Email, Chat, Phone, Help centre | Chat, Phone, Email, Help centre |
Where each stands against the rest
| Fact | Moneyveo UA | Vivus | Median |
|---|---|---|---|
| APR | 3.65% to 357.77%lowest quarter | 44.5%highest quarter | 8.99 |
| Term | 60 monthsat the median | 3 to 60 monthsat 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
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
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
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
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
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 | Moneyveo UA | Vivus |
|---|---|---|
| Latvia | 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
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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