Updated October 17, 2026 · BorrowCue Editorial Team
Selfiecredit vs Vivus
Selfiecredit vs Vivus: the differences
| Compare | Selfiecredit ReviewVisitVisit |  Vivus |
|---|---|---|
| APR | from 0%Lower | 44.5% |
| Arrangement fee | немає комісії на перший кредит | 0 EUR (credit line disbursement fee) |
| Credit check | None | Hard |
| Funding time | Миттєва видача кредитів на карту | 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 |
| Loan amount | Not confirmed | €50 to €10,000 |
| Term | Not confirmed | 3 to 60 months |
| Representative example | Not confirmed | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Rate type | Not confirmed | Fixed |
| Lender type | Not confirmed | Direct lender |
| Free early repayment | Not confirmed | Yes |
| Eligibility | Not confirmed | 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. |
| Origination fee (%) | Not confirmed | 0% |
| Loan types | Not confirmed | Personal, Payday, Car |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
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Key differences
- Vivus scores higher overall: 9.0 vs 8.5.
- APR is lower at Selfiecredit: from 0% vs 44.5%.
Our verdict on each
Selfiecredit
The Ukrainian company page identifies SELFIE CREDIT and describes lending as its financial service. Its lending rules are available, but expired loyalty conditions should not be treated as current 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 | Selfiecredit | Vivus |
|---|---|---|
| Cost | 9.9Higher | 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 | Not confirmed | 8.9 |
| Trust | Not confirmed | 9.1 |
Licences and countries
| Country | Selfiecredit | Vivus |
|---|---|---|
| Latvia | Not confirmed |
Additional countries for Selfiecredit: 1. Additional countries for Vivus: 1.
Positions in our rankings
| Ranking | Selfiecredit | Vivus |
|---|---|---|
| Personal loans | 162 of 1920 | 24 of 1920 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Selfiecredit
from 0
from 0
Vivus
8,277.48
8,277.48
Selfiecredit comes out 8,277.48 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked October 17, 2026.
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against from 0% for Selfiecredit and 44.5% for Vivus.
FINANZCHECK.de reviewSources behind this comparison
Selfiecredit
- finance.ua: 5 facts, checked October 17, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Every fact side by side
| Fact | Selfiecredit | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | ТОВ «Селфі Кредит» | 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 | Selfiecredit | Vivus | Median |
|---|---|---|---|
| APR | from 0%lowest quarter | 44.5%highest quarter | 8.95 |
| Loan amount | Not confirmed | €50 to €10,000below the median | €40,000 |
| Term | Not confirmed | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | Not confirmed | 0%below the median | 0.2% |
Median across 1190 listed lenders.
Pros and cons
Selfiecredit
Pros
- The company identifies its lending service and provides rules.
Cons
- Expired loyalty conditions are not reliable current terms.
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
Selfiecredit
Who it suits
- Ukrainian borrowers reviewing SELFIE CREDIT and its lending rules.
Who should look elsewhere
- Applicants relying on expired loyalty conditions.
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 | Selfiecredit | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Ukraine | Yes | No |
Questions about each
Selfiecredit
What kind of company stands behind SelfieCredit?+
The brand is run by a Ukrainian limited liability company with the legal name ТОВ «Селфі Кредит». It operates as an online microcredit service, so each step of its lending happens through digital channels rather than face to face meetings.
How does the service transfer funds to borrowers?+
Funds go straight to a bank card the borrower already holds. After a short online form, the money can reach the card quickly once the request has been handled, which keeps the route simple for the person receiving it.
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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