Updated September 30, 2026 · BorrowCue Editorial Team
Pezetita vs Vivus
Pezetita vs Vivus: the differences
| Compare |  Pezetita |  Vivus |
|---|---|---|
| APR | 0% to 36%Lower | 44.5% |
| Loan amount | €100 to €5,000 | €50 to €10,000Higher |
| Term | 3 to 4 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR (no loan selection fee charged) | 0 EUR (credit line disbursement fee) |
| Funding time | Money transferred shortly after lender approval, within minutes | 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 | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) | 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 | Broker | Direct lender |
| Eligibility | Over 18 years old, resident in Spain, DNI or NIE, email and mobile number, proof of income, bank account | 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, Debt consolidation | Personal, Payday, Car |
| Credit check | Not confirmed | Hard |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Origination fee (%) (0%).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.8.
- APR is lower at Pezetita: 0% to 36% vs 44.5%.
- Loan amount is higher at Vivus: €50 to €10,000 vs €100 to €5,000.
- Term is higher at Vivus: 3 to 60 months vs 3 to 4 months.
- Support channels: only Vivus offers Chat, Phone.
- Features: only Vivus offers Credit line.
- Loan types: only Pezetita offers Debt consolidation.
- Loan types: only Vivus offers Car.
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
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 | Pezetita | Vivus |
|---|---|---|
| Cost | 9.7HigherThe 0 EUR (no loan selection fee charged) and an APR band of 0% to 36% keep costs at the market floor. | 9.0APR 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 | 8.5 | 8.9Higher |
| Trust | 8.3 | 9.1Higher |
Ranges side by side
| Fact | Pezetita | Vivus |
|---|---|---|
| Loan amount | €100 to €5,000 | €50 to €10,000 |
| Term | 3 to 4 months | 3 to 60 months |
Also worth a look
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 36% for Pezetita and 44.5% for Vivus.
FINANZCHECK.de reviewSources behind this comparison
Pezetita
- pezetita.com: 16 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
How they place
| Ranking | Pezetita | Vivus |
|---|---|---|
| Personal loans | 17 of 1932 | 24 of 1932 |
| Payday and short-term loans | 5 of 246 | 9 of 246 |
Every fact side by side
| Fact | Pezetita | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OÜ (registry number 14523902, VAT ID EE102112841) | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Pezetita | Vivus | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 44.5%highest quarter | 8.99 |
| Loan amount | €100 to €5,000lowest quarter | €50 to €10,000below the median | €40,000 |
| Term | 3 to 4 monthslowest quarter | 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
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
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
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
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
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
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 | Pezetita | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
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
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.
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