Updated September 30, 2026 · BorrowCue Editorial Team
Quick Car Finance vs Vivus
Where Quick Car Finance and Vivus differ
| Compare |  Quick Car Finance |  Vivus |
|---|---|---|
| APR | 9.9% to 60%Lower | 44.5% |
| Loan amount | £3,000 to £50,000 | €50 to €10,000 |
| Term | 12 to 60 months | 3 to 60 months |
| Arrangement fee | 0 | 0 EUR (credit line disbursement fee) |
| Credit check | Soft prequal | Hard |
| Funding time | 1-3 working days | 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 | GBP7,000 credit, 60 months, GBP185.33/month, total GBP11,119.80, 21.9% APR fixed HP | 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 |
| Free early repayment | No | YesHas it |
| Eligibility | 18+, UK resident | 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 | Car | Personal, Payday, CarCovers more |
| Credit needed | Poor | Good |
| Origination fee (%) | Not confirmed | 0% |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.7.
- APR is lower at Quick Car Finance: 9.9% to 60% vs 44.5%.
- Free early repayment: only Vivus.
- Loan types: only Vivus offers Personal, Payday.
Our verdict on each
Quick Car Finance
Quick Car Finance suits borrowers with weaker credit who want a car purchase arranged through a broker rather than a direct lender. Loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days give clear structure while rates reflect higher risk profiles.
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 | Quick Car Finance | Vivus |
|---|---|---|
| Cost | 8.2APR of 9.9% to 60% with origination fee of 0 for car loans. | 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 | 9.6HigherCar loans of £3,000 to £50,000 over 12 to 60 with funding in 1-3 working days. | 8.9 |
| Trust | 8.6Broker model of broker under licence 764855. | 9.1Higher |
Side by side, item by item
| Loan types | Quick Car Finance | Vivus |
|---|---|---|
| Personal | No | Yes |
| Payday | No | Yes |
| Car | Yes | Yes |
Ranges side by side
| Fact | Quick Car Finance | Vivus |
|---|---|---|
| Term | 12 to 60 months | 3 to 60 months |
Which one suits you
Pick Quick Car Finance if offer and apr matter most.
Pick Vivus if cost, trust, free early repayment, and loan types matter most.
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Quick Car Finance
1,599.29 to 11,756.4
1,599.29 to 11,756.4
Vivus
8,277.48
8,277.48
Quick Car Finance comes out 6,678.19 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 28, 2026.
Also worth a look
Prestamiau ES has apr at 0% to 36%, against 9.9% to 60% for Quick Car Finance and 44.5% for Vivus.
Prestamiau ES reviewHow they place
| Ranking | Quick Car Finance | Vivus |
|---|---|---|
| Car loans | 2 of 431 | 8 of 431 |
Every fact side by side
| Fact | Quick Car Finance | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Not confirmed | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Not confirmed | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Not confirmed | Chat, Phone, Email, Help centre |
Where each stands against the rest
| Fact | Quick Car Finance | Vivus | Median |
|---|---|---|---|
| APR | 9.9% to 60%above the median | 44.5%highest quarter | 8.99 |
| Term | 12 to 60 monthsat the median | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
Quick Car Finance
Pros
- Soft prequalification approach through soft prequal limits early credit impact while shopping for car finance.
- Car loans of £3,000 to £50,000 cover a broad span of purchase budgets for vehicle buyers.
- Fixed basis of fixed keeps scheduled payments steady through the agreement term.
Cons
- Free early repayment is no, so exit costs need attention alongside APR of 9.9% to 60%.
- Funding in 1-3 working days is slower than same day funding seen elsewhere in car loans.
- APR of 9.9% to 60% can sit above mainstream pricing, unlike Ibancar Prestamos at 12.74% to 13.01%.
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
Quick Car Finance
Who it suits
- Buyers with poor credit who prefer Quick Car Finance over Fidea for dedicated car funding.
- Borrowers seeking larger car balances who prefer Quick Car Finance over AXI Card Tarjeta y Credito for vehicle use.
Who should look elsewhere
- Borrowers chasing lower headline rates who may prefer Ibancar Prestamos for APR of 12.74% to 13.01%.
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
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 | Quick Car Finance | Vivus |
|---|---|---|
| Latvia | No | Yes |
| United Kingdom | Yes | No |
Questions about each
Quick Car Finance
What APR might apply?+
Quick Car Finance lists APR of 9.9% to 60% for car loans. The exact rate depends on credit profile and lender offer, so comparison of monthly payment and total payable matters before agreement.
Is there an origination or arrangement fee?+
The origination fee is 0 for car loans. That means no separate broker arrangement charge is added at the start, though lender interest and any lender charges still shape total cost.
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
Other matchups
- Quick Car Finance vs Oney Préstamos ES
- Quick Car Finance vs Sofkredit
- Quick Car Finance vs Prestamiau ES
- Quick Car Finance vs Fidea
- Vivus vs Multitude Bank p.l.c
- Vivus vs Qonto ES
- Vivus vs Fiesta Credito
- Vivus vs Fiesta Credito MX
- Vivus vs Lendela
- Vivus vs BriteCap Financial
- Vivus vs Kredivo
- Vivus vs Moneyveo UA
- Vivus vs TF Bank
- Vivus vs Upgrade