Updated September 30, 2026 · BorrowCue Editorial Team
Sofkredit vs Vivus
Sofkredit vs Vivus: the differences
| Compare |  Sofkredit |  Vivus |
|---|---|---|
| APR | 10.74% to 18.06%Lower | 44.5% |
| Loan amount | €12,000 to €300,000Higher | €50 to €10,000 |
| Term | 6 to 240 monthsHigher | 3 to 60 months |
| Arrangement fee | 6% to 9% of the loan; on a 15,000 EUR mortgage-guaranteed loan the commission is 900 EUR minimum and 1,350 EUR maximum, charged by the collaborating lender; Sofkredit's own service costs the user nothing | 0 EUR (credit line disbursement fee) |
| Credit check | Soft prequal | Hard |
| Funding time | 15-20 days after approval; same day as the notary signing, about one week if documentation is sent quickly | 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 | a 15,000 EUR loan at 9% interest over 5 years returns a total of 21,750 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 |
| Lender type | Broker | Direct lender |
| Eligibility | Natural or legal persons of legal age (+18) with Spanish nationality or residence, holder of a bank account; for mortgage-guaranteed loans a property must be owned, free of charges or with at least 70% of the mortgage repaid | 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 (%) | 6% to 9% | 0%Lower |
| Loan types | Secured, Debt consolidation, Business | Personal, Payday, Car |
| Credit needed | Poor | Good |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
Same on both: Use cases (Home improvement).
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Key differences
- Vivus scores higher overall: 9.0 vs 8.6.
- Sofkredit is licensed in 1 more country.
- Sofkredit is available in 2 more countries.
- APR is lower at Sofkredit: 10.74% to 18.06% vs 44.5%.
- Origination fee (%) is lower at Vivus: 0% vs 6% to 9%.
- Loan amount is higher at Sofkredit: €12,000 to €300,000 vs €50 to €10,000.
- Term is higher at Sofkredit: 6 to 240 months vs 3 to 60 months.
- Support channels: only Vivus offers Chat.
- Features: only Vivus offers Credit line.
- Loan types: only Sofkredit offers Secured, Debt consolidation, Business.
Our verdict on each
Sofkredit
Sofkredit suits Spanish borrowers who want property backed finance and can wait for a notary appointment. The headline cost is an arrangement fee of 6% to 9% of the loan, while Sofkredit's own service adds nothing beyond it.
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 | Sofkredit | Vivus |
|---|---|---|
| Cost | 8.5 | 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 | 9.3HigherRanges cover €12,000 to €300,000, 6 to 240 and 10.74% to 18.06%, with home equity and remortgage and home improvement on the same application. | 8.9 |
| Trust | 8.3 | 9.1Higher |
From lowest to highest
| Fact | Sofkredit | Vivus |
|---|---|---|
| Loan amount | €12,000 to €300,000 | €50 to €10,000 |
| Term | 6 to 240 months | 3 to 60 months |
Choosing between them
Pick Sofkredit if offer, apr, loan amount, and term matter most.
Pick Vivus if cost, trust, and origination fee (%) matter most.
How they place
| Ranking | Sofkredit | Vivus |
|---|---|---|
| Home improvement loans | 2 of 562 | 11 of 562 |
Every fact side by side
| Fact | Sofkredit | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Kova Finance, S.L. | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Spain | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Email, Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Mortgages
| Fact | Sofkredit | Vivus |
|---|---|---|
| Initial rate | 8% to 14% | Not confirmed |
| APRC | 10.74% to 18.06% | Not confirmed |
| Fixed period | 0.5 to 20 years | Not confirmed |
| Maximum loan to value | 30% | Not confirmed |
| Product fee | €900 to €1,350 | Not confirmed |
| Purpose | Home equity, Remortgage | Not confirmed |
Where each stands against the rest
| Fact | Sofkredit | Vivus | Median |
|---|---|---|---|
| APR | 10.74% to 18.06%above the median | 44.5%highest quarter | 8.99 |
| Loan amount | €12,000 to €300,000highest quarter | €50 to €10,000below the median | €40,000 |
| Term | 6 to 240 monthshighest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | 6% to 9%highest quarter | 0%below the median | 0.25 |
Median across 1005 listed lenders.
Pros and cons
Sofkredit
Pros
- Sofkredit's own service costs nothing, so the only charge to weigh is the lender's arrangement fee of 6% to 9%.
- The loan range €12,000 to €300,000 and the term range 6 to 240 suit both renovation projects and debt consolidation.
- Eligibility leans towards weaker files, with the credit needed listed as poor, and the credit check is soft prequal.
Cons
- The arrangement fee of 6% to 9% is a large share of the loan, and the product fee on a small mortgage guaranteed loan runs €900 to €1,350.
- Maximum loan to value is 30%, well below the 90% across listed lenders, so equity of your own is required.
- Sofkredit is a broker, so the contract sits with the collaborating lender rather than the site you apply through.
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
Sofkredit
Who it suits
- Spanish residents and nationals who own a property that is free of charges or has most of its mortgage repaid
- Borrowers consolidating several debts into one payment, since debt consolidation is among the secured, debt consolidation and business
- Homeowners funding renovation work, as home improvement is the main listed use case
Who should look elsewhere
- Anyone who needs money the same week without a notary appointment, against the stated funding time
- Borrowers who want to borrow more than a low share of their property's value, given the 30% cap
- Small lenders wanting a quick online application rather than the documentation and notary steps this route involves
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 | Sofkredit | Vivus |
|---|---|---|
| France | Yes | No |
| Italy | Yes | No |
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Sofkredit
What does Sofkredit charge to arrange a loan?+
The arrangement fee runs 6% to 9% of the loan and is charged by the collaborating lender. On a small mortgage guaranteed loan the commission falls within €900 to €1,350. Sofkredit's own service costs the borrower nothing beyond that lender charge.
How much can I borrow and for how long?+
Loan amounts run €12,000 to €300,000 and terms run 6 to 240, so the range is wide enough for a renovation or a debt consolidation. Terms and amounts are set by the collaborating lender rather than by the site you apply through.
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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