Updated September 29, 2026 · BorrowCue Editorial Team
Qonto ES vs Vivus ES
Where Qonto ES and Vivus ES differ
| Compare |  Qonto ES |  Vivus ES |
|---|---|---|
| APR | 19.5% | 0% to 3,752.4%Lower |
| Loan amount | €750 to €1,000,000Higher | €50 to €1,400 |
| Term | 1 to 12 months | 7 to 30 monthsHigher |
| Funding time | Answer within max 48 h, money in the Qonto account within a few days | up to 15 minutes after approval |
| Lender type | Broker | Direct lender |
| Eligibility | PragmaGO loan: registered office in Spain, company registered at least 1 year, 12 months of activity, any legal form or autonomo, minimum 250 EUR monthly turnover, Qonto account required | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Business, Credit line | Payday, Personal |
| Arrangement fee | Not confirmed | 0 EUR |
| Representative example | Not confirmed | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Good | Not confirmed |
Same on both: Credit check (Hard).
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Key differences
- Vivus ES scores higher overall: 9.0 vs 8.6.
- Qonto ES is available in 29 more countries.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 19.5%.
- Loan amount is higher at Qonto ES: €750 to €1,000,000 vs €50 to €1,400.
- Term is higher at Vivus ES: 7 to 30 months vs 1 to 12 months.
- Support channels: only Qonto ES offers Chat.
- Features: only Vivus ES offers Same day funding.
- Loan types: only Qonto ES offers Business, Credit line.
- Loan types: only Vivus ES offers Payday, Personal.
Our verdict on each
Qonto ES
Qonto suits Spanish businesses and sole traders that keep a Qonto account and want a fixed rate on a revolving facility. The trade-off is cost: at 19.5% with a hard credit check, it prices above the 12% median across the site, so the flexibility has to earn its place.
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 | Qonto ES | Vivus ES |
|---|---|---|
| Cost | 8.5The rate is 19.5%, above the 12% site median, on a fixed rate with a hard credit check. | 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 | 9.0Higher | 8.8 |
| Trust | 8.3 | 8.9Higher |
Pick Qonto ES if, pick Vivus ES if
Pick Qonto ES if loan amount matter most.
Pick Vivus ES if cost, trust, apr, and term matter most.
Ranges side by side
| Fact | Qonto ES | Vivus ES |
|---|---|---|
| Loan amount | €750 to €1,000,000 | €50 to €1,400 |
| Term | 1 to 12 months | 7 to 30 months |
What we checked
Qonto ES
- qonto.com: 13 facts, checked September 26, 2026
- euclid.eba.europa.eu: 2 facts, checked September 26, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
How they place
| Ranking | Qonto ES | Vivus ES |
|---|---|---|
| Lines of credit | 6 of 328 | 3 of 328 |
Every fact side by side
| Fact | Qonto ES | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | QONTO | Vivus Financial Services, S.A.U. |
| Headquarters | France | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Chat, Email, Phone, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Qonto ES | Vivus ES | Median |
|---|---|---|---|
| APR | 19.5%highest quarter | 0% to 3,752.4%lowest quarter | 8.99% |
| Loan amount | €750 to €1,000,000highest quarter | €50 to €1,400lowest quarter | €40,000 |
| Term | 1 to 12 monthslowest quarter | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Qonto ES
Pros
- The rate is fixed (fixed), so the cost of drawn credit does not reset with market moves.
- The facility is a credit line (credit line) as well as a business loan (business and credit line), so one relationship covers a repeating need and a single large draw.
- Amounts run €750 to €1,000,000, wide enough for an equipment purchase or a payroll bridge.
Cons
- The rate of 19.5% sits above the 12% median across the site and up in the 24.92% band, which makes it an expensive way to borrow.
- The credit check is hard (hard) and the bar is good credit (good), so a thin file has no route here.
- The facility runs 1 to 12, so a drawn balance has to clear inside a short window rather than be spread over years.
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
Qonto ES
Who it suits
- Businesses registered in Spain that already run a Qonto account and need working capital between invoices.
- Autonomos and companies of any legal form that clear the eligibility bar and want a revolving line rather than a single lump sum.
- Firms that value a fixed rate (fixed) on short drawn balances more than the lowest headline number.
Who should look elsewhere
- Businesses chasing the lowest rate: Plazo ES lists 24.19% against Qonto's 19.5%, and that gap is worth pricing first.
- Anyone without a Qonto account or a registered office in Spain, because eligibility needs both, so Cashspace is the other listed name to check.
- Borrowers with a thin credit file, since the check is hard (hard) and the bar is good credit (good), so Vivus ES is worth checking for a softer route.
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
Qonto ES
Current offer
Bonus
Welcome bonus (Bono de Bienvenida): 300 EUR
Open a Qonto business account; offer shown as valid only until 7/10; spend with your Qonto card to earn
Source, checked September 26, 2026
First period offer
Free Qonto months with first approved financing (Qonto x PragmaGO): 2 months of Qonto free, up to 1 year if requesting over 25,000 EUR
Approved financing request through the PragmaGO partner offer
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 | Qonto ES | Vivus ES |
|---|---|---|
| Austria | Yes | No |
| Belgium | Yes | No |
| Bulgaria | Yes | No |
| Croatia | Yes | No |
| Cyprus | Yes | No |
| Czechia | Yes | No |
| Denmark | Yes | No |
| Estonia | Yes | No |
8 of 30 countries where either is available.
Questions about each
Qonto ES
What rate do I pay on this business line?+
The listed rate is 19.5%, which sits above the 12% median across the site and up in the 24.92% band. Because the deal runs through a broker (broker), the partner lender's own pricing is what ends up on your offer, so treat the published figure as the number to test against other quotes.
Is the rate fixed, or can it change?+
It is fixed (fixed), and the pricing model is a fixed rate one (fixed rate). That is the commonest structure here, with 80.5% of the brands on the site pricing this way, so the rate you agree holds for the life of the drawn credit rather than resetting at renewal.
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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