Updated September 30, 2026 · BorrowCue Editorial Team
Plazo ES vs Vivus
Plazo ES vs Vivus: the differences
| Compare |  Plazo ES |  Vivus |
|---|---|---|
| APR | 24.19%Lower | 44.5% |
| Loan amount | €500 to €5,000 | €50 to €10,000Higher |
| Term | 48 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 EUR (credit line disbursement fee) |
| Funding time | Money available about 10 minutes after sign-up; approval answer arrives in 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 | 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 | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Free early repayment | No | YesHas it |
| Eligibility | Over 18, DNI/NIE or European passport, resident in Spain, demonstrable income, good credit history | 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, Credit line | Personal, Payday, Car |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender), Origination fee (%) (0%), Credit needed (Good), Use cases (Home improvement).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.9.
- Founded is lower at Vivus: 2008 vs 2021.
- APR is lower at Plazo ES: 24.19% vs 44.5%.
- Free early repayment: only Vivus.
- Loan amount is higher at Vivus: €50 to €10,000 vs €500 to €5,000.
- Term is higher at Vivus: 3 to 60 months vs 48 months.
- Loan types: only Plazo ES offers Credit line.
- Loan types: only Vivus offers Payday, Car.
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
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 | Plazo ES | Vivus |
|---|---|---|
| Cost | 8.724.19% annual cost sits well above cheaper lenders, and free early repayment is not offered. | 9.0HigherAPR 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 | 9.5HigherA personal loan and a credit line under personal and credit line, with funding within minutes of sign-up. | 8.9 |
| Trust | 8.7 | 9.1Higher |
Availability and regulation
| Country | Plazo ES | Vivus |
|---|---|---|
| Latvia | Not confirmed | |
| Spain | Banco de España 6899 | Not confirmed |
Additional countries for Plazo ES: 1. Additional countries for Vivus: 1.
Positions in our rankings
| Ranking | Plazo ES | Vivus |
|---|---|---|
| Personal loans | 20 of 1932 | 24 of 1932 |
| Lines of credit | 1 of 328 | 2 of 328 |
| Home improvement loans | 10 of 562 | 11 of 562 |
Feature by feature
| Loan types | Plazo ES | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Credit line | Yes | No |
| Car | No | Yes |
| Use cases | Plazo ES | Vivus |
|---|---|---|
| Home improvement | Yes | Yes |
What we checked
Plazo ES
- plazo.es: 21 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Every fact side by side
| Fact | Plazo ES | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line, Same day funding | Same day funding, Credit line |
| Legal entity | IDFinance Plazo, S.L.U. | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Spain | Latvia |
| Founded | 2021 | 2008Lower |
| Support channels | Email, Chat, Phone, Help centre | Chat, Phone, Email, Help centre |
Where each stands against the rest
| Fact | Plazo ES | Vivus | Median |
|---|---|---|---|
| APR | 24.19%highest quarter | 44.5%highest quarter | 8.99% |
| Loan amount | €500 to €5,000lowest quarter | €50 to €10,000below the median | €40,000 |
| Term | 48 monthsbelow 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
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
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
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
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
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
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 | Plazo ES | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
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
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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