Updated September 28, 2026 · BorrowCue Editorial Team
Plazo ES vs Vivus ES
Plazo ES vs Vivus ES: the differences
| Compare |  Plazo ES |  Vivus ES |
|---|---|---|
| APR | 24.19% | 0% to 3,752.4%Lower |
| Loan amount | €500 to €5,000Higher | €50 to €1,400 |
| Term | 48 monthsHigher | 7 to 30 months |
| Funding time | Money available about 10 minutes after sign-up; approval answer arrives in minutes | up to 15 minutes after approval |
| Representative example | Línea de crédito revolving 1.500 EUR, TIN fijo 21,86%, TAE 24,19%, 48 monthly instalments of 47,15 EUR, total due 2.263,20 EUR | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Eligibility | Over 18, DNI/NIE or European passport, resident in Spain, demonstrable income, good credit history | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Credit line | Payday, Personal |
| Rate type | Fixed | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Credit check (Hard), Lender type (Direct lender), Free early repayment (No), Origination fee (%) (0%).
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Key differences
- Vivus ES scores higher overall: 9.0 vs 8.9.
- Founded is lower at Vivus ES: 2013 vs 2021.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 24.19%.
- Loan amount is higher at Plazo ES: €500 to €5,000 vs €50 to €1,400.
- Term is higher at Plazo ES: 48 months vs 7 to 30 months.
- Support channels: only Plazo ES offers Chat.
- Loan types: only Plazo ES offers Credit line.
- Loan types: only Vivus ES offers Payday.
Our verdict on each
Plazo ES
Plazo ES suits Spanish residents with a good credit history who want a small personal loan or a revolving credit line funded within minutes. Its 24.19% annual cost is high next to cheaper lenders, so the total repaid over 48 instalments is the figure to weigh.
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 | Plazo ES | Vivus ES |
|---|---|---|
| Cost | 8.724.19% annual cost sits well above cheaper lenders, and free early repayment is not offered. | 9.2HigherOrigination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. |
| Offer | 9.5HigherA personal loan and a credit line under personal and credit line, with funding within minutes of sign-up. | 8.8 |
| Trust | 8.7 | 8.9Higher |
Feature by feature
| Loan types | Plazo ES | Vivus ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Credit line | Yes | No |
From lowest to highest
| Fact | Plazo ES | Vivus ES |
|---|---|---|
| Loan amount | €500 to €5,000 | €50 to €1,400 |
How they place
| Ranking | Plazo ES | Vivus ES |
|---|---|---|
| Personal loans | 20 of 1932 | 25 of 1932 |
| Lines of credit | 1 of 328 | 3 of 328 |
Every fact side by side
| Fact | Plazo ES | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line, Same day funding | Same day funding, Credit line |
| Legal entity | IDFinance Plazo, S.L.U. | Vivus Financial Services, S.A.U. |
| Headquarters | Spain | Spain |
| Founded | 2021 | 2013Lower |
| Support channels | Email, Chat, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Plazo ES | Vivus ES | Median |
|---|---|---|---|
| APR | 24.19%highest quarter | 0% to 3,752.4%lowest quarter | 8.99% |
| Loan amount | €500 to €5,000lowest quarter | €50 to €1,400lowest quarter | €40,000 |
| Term | 48 monthsbelow 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
Plazo ES
Pros
- The approval answer arrives in minutes and the money is available in your account shortly after you sign up, so a cost that cannot wait can be covered the same day.
- The origination fee is 0 EUR on the personal loan and the credit line, so the cost sits in the rate rather than in a setup charge.
- The rate is fixed, so an instalment does not rise when market rates move.
Cons
- The annual cost of 24.19% sits well above 12% for the median brand on the site, so the interest does most of the work in what you repay.
- Free early repayment is not offered, so clearing the balance ahead of schedule does not bring the cost down, while 81.2% of the brands compared do offer it.
- Applications run a hard credit check, so an outcome here can also weigh on other credit applications you make.
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
Plazo ES
Who it suits
- Adults living in Spain with a DNI/NIE or a European passport, demonstrable income and a good credit history.
- Borrowers who want both a personal loan and a revolving credit line from the same firm, since the range covers personal and credit line.
- People who can carry a 24.19% annual cost and value money in the account within minutes of signing up.
Who should look elsewhere
- Readers chasing a lower annual cost, since Monzo Flex quotes 10% to 23% against 24.19%.
- Borrowers who plan to finish early, since free early repayment is not offered here while most of the site comparison does offer it.
- Anyone needing a sum above €500 to €5,000, where Cashspace at PHP 12 to PHP 36 is set in a different currency and market.
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
Plazo ES
Current offer
Bonus
Cashback on purchases with the Plazo card: Up to 15% cashback at favourite brands
Only when paying with the Plazo card; subject to meeting eligibility conditions and validity of the offers
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 | Plazo ES | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Plazo ES
What does borrowing from Plazo ES cost?+
Plazo ES charges an annual cost of 24.19% on a fixed basis, and the origination fee is 0 EUR, so there is no setup charge to add. The published representative example is a revolving credit line repaid in 48 monthly instalments, and the total due comes to noticeably more than the amount drawn. That gap is the real cost to weigh.
Is Plazo ES a regulated lender?+
Plazo ES is a direct lender listed with Banco de España under 6899, so a Spanish supervisor is responsible for how it conducts that business. A loan is a borrowing contract rather than a savings account, so what you owe comes from the published terms, and the register entry is the detail worth checking before you sign.
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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