Updated September 28, 2026 · BorrowCue Editorial Team
Pezetita vs Vivus ES
Where Pezetita and Vivus ES differ
| Compare |  Pezetita |  Vivus ES |
|---|---|---|
| APR | 0% to 36% | 0% to 3,752.4% |
| Loan amount | €100 to €5,000Higher | €50 to €1,400 |
| Term | 3 to 4 months | 7 to 30 monthsHigher |
| Arrangement fee | 0 EUR (no loan selection fee charged) | 0 EUR |
| Funding time | Money transferred shortly after lender approval, within minutes | up to 15 minutes after approval |
| Representative example | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Broker | Direct lender |
| Eligibility | Over 18 years old, resident in Spain, DNI or NIE, email and mobile number, proof of income, bank account | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Payday, Debt consolidationCovers more | Payday, Personal |
| Credit check | Not confirmed | Hard |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Not confirmed | No |
Same on both: Origination fee (%) (0%).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Vivus ES scores higher overall: 9.0 vs 8.8.
- Loan amount is higher at Pezetita: €100 to €5,000 vs €50 to €1,400.
- Term is higher at Vivus ES: 7 to 30 months vs 3 to 4 months.
- Support channels: only Vivus ES offers Phone.
- Features: only Vivus ES offers Credit line.
- Loan types: only Pezetita offers Debt consolidation.
Our verdict on each
Pezetita
Pezetita suits adults in Spain who need a small short-term loan paid out quickly, with borrowing of €100 to €5,000 over 3 to 4. The catch is that it works as a broker, so a partner lender sets the final terms.
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 | Pezetita | Vivus ES |
|---|---|---|
| Cost | 9.7HigherThe 0 EUR (no loan selection fee charged) and an APR band of 0% to 36% keep costs at the market floor. | 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 | 8.5 | 8.8Higher |
| Trust | 8.3 | 8.9Higher |
Choosing between them
Pick Pezetita if cost, loan amount, and loan types matter most.
Pick Vivus ES if offer, trust, and term matter most.
Where these facts come from
Pezetita
- pezetita.com: 16 facts, checked September 26, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
How they place
| Ranking | Pezetita | Vivus ES |
|---|---|---|
| Personal loans | 17 of 1932 | 25 of 1932 |
| Payday and short-term loans | 5 of 246 | 10 of 246 |
Every fact side by side
| Fact | Pezetita | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OÜ (registry number 14523902, VAT ID EE102112841) | Vivus Financial Services, S.A.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Help centre | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Pezetita | Vivus ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 3,752.4%lowest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €1,400lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Pezetita
Pros
- Nothing to pay for taking the loan out: 0 EUR (no loan selection fee charged).
- Fast payout, with same day funding and a transfer within minutes of a lender decision.
- Fixed pricing on fixed loans, so the repayment schedule holds for the whole 3 to 4.
Cons
- It is a broker (broker), so the lender you are matched with sets the final price, not the site you apply through.
- The window is short at 3 to 4, so a larger balance has little room to spread.
- The upper end of 0% to 36% sits well above the market median of 12%, so the headline band flatters the cheaper offers.
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
Pezetita
Who it suits
- Adults resident in Spain who hold a DNI or NIE, can show proof of income and keep a bank account open.
- Borrowers who need money within minutes of a lender decision rather than a waiting period.
- People who prefer a fixed rate and a fee of 0 EUR (no loan selection fee charged) on a short loan.
Who should look elsewhere
- Monzo Flex, if you want years to repay: its APR band of 10% to 23% suits a longer schedule than Pezetita's 3 to 4.
- Cashspace, if your budget needs room to breathe, since Pezetita caps the term at 3 to 4.
- Cashspace ES, if you want the lowest headline rate first, because its 0% undercuts the upper end of Pezetita's 0% to 36% band.
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
Pezetita
Current offer
First period offer
First loan free for new customers: First loan at 0% TAE, 0 EUR cost on a 300 EUR loan over 91 days
New customers only; the interest rate and overpayment amount may change after completing the questionnaire
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 | Pezetita | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Pezetita
What does it cost to borrow from Pezetita?+
Pezetita prices loans on a fixed basis, with an APR band of 0% to 36%. The 0 EUR (no loan selection fee charged) means no loan selection or origination charge is added to the borrow. The published example shows a short loan repaid with nothing added to the amount lent, so the total repayable matches the sum you borrowed.
Is there an arrangement or selection fee?+
The origination fee is 0 EUR (no loan selection fee charged), and the percentage fee is 0%, so nothing is taken for choosing or setting the loan up. Cost comes from the interest side instead, which is why the APR band of 0% to 36% is the number to read closely before you apply.
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.
Other options to compare
Other matchups
- Pezetita vs Sofkredit
- Pezetita vs Prestamiau ES
- Pezetita vs Prestamiau
- Pezetita vs Fidea
- Vivus ES vs Multitude Bank p.l.c
- Vivus ES vs Qonto ES
- Pezetita vs Cashspace
- Vivus ES vs Solcredito
- Vivus ES vs Lendela
- Vivus ES vs BriteCap Financial
- Vivus ES vs Kredivo
- Vivus ES vs Moneyveo UA
- Vivus ES vs TF Bank
- Vivus ES vs Upgrade