Updated September 29, 2026 · BorrowCue Editorial Team
Solcredito vs Vivus ES
Where Solcredito and Vivus ES differ
| Compare |  Solcredito |  Vivus ES |
|---|---|---|
| APR | 0% to 3,752% | 0% to 3,752.4% |
| Loan amount | €50 to €5,000Higher | €50 to €1,400 |
| Term | 3 to 60 monthsHigher | 7 to 30 months |
| Funding time | Decision in 15 minutes, money in your bank account within a few hours | up to 15 minutes after approval |
| Representative example | 1,500.00 EUR credit line drawn in full at first draw, repaid in 12 instalments, 20.04% annual rate (1.67% monthly), resulting TAE 21.99%, no fees | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Broker | Direct lender |
| Eligibility | Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21) | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Payday, Debt consolidation, Credit lineCovers more | Payday, Personal |
| Credit check | Not confirmed | Hard |
| Free early repayment | Not confirmed | No |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR).
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Key differences
- Founded is lower at Solcredito: 2011 vs 2013.
- Solcredito is available in 1 more country.
- Loan amount is higher at Solcredito: €50 to €5,000 vs €50 to €1,400.
- Term is higher at Solcredito: 3 to 60 months vs 7 to 30 months.
- Support channels: only Vivus ES offers Phone.
- Loan types: only Solcredito offers Debt consolidation, Credit line.
Our verdict on each
Solcredito
Solcredito suits Spanish borrowers with a poor credit file needing a small amount quickly, and the arrangement fee on the personal loan offer is 0 EUR. It is a broker rather than a lender, so the rate depends on which lender answers, with rates running as high as 0% to 3,752%.
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 | Solcredito | Vivus ES |
|---|---|---|
| Cost | 9.9Higher | 9.2Origination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. |
| Offer | 8.4A broker, not a lender, with fees of 0 EUR and rates of 0% to 3,752% against a site median of 12%. | 8.8Higher |
| Trust | 8.5 | 8.9Higher |
Side by side, item by item
| Loan types | Solcredito | Vivus ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Credit line | Yes | No |
Where they rank in our lists
| Ranking | Solcredito | Vivus ES |
|---|---|---|
| Personal loans | 59 of 1932 | 25 of 1932 |
| Payday and short-term loans | 29 of 246 | 10 of 246 |
| Lines of credit | 9 of 328 | 3 of 328 |
Where each is licensed and available
Available in 1 country for both. Additional countries for Solcredito: 1.
Choosing between them
Pick Solcredito if cost, loan amount, term, and loan types matter most.
Pick Vivus ES if offer and trust matter most.
Every fact side by side
| Fact | Solcredito | Vivus ES |
|---|---|---|
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Fiizy OU (registration code 12694462) | Vivus Financial Services, S.A.U. |
| Headquarters | Estonia | Spain |
| Founded | 2011Lower | 2013 |
| Support channels | Email, Help centre | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Solcredito | Vivus ES | Median |
|---|---|---|---|
| APR | 0% to 3,752%lowest quarter | 0% to 3,752.4%lowest quarter | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | €50 to €1,400lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 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
Solcredito
Pros
- Arrangement fee of 0 EUR on the personal loan offer, and the representative example records no fees on the credit line
- A decision in minutes and money in the account within a few hours
- Accepts a poor credit profile, which covers a large share of the loans on the site
Cons
- The cost range runs up to 0% to 3,752%, well above the 25.03% upper quartile for personal loans on the site
- Solcredito is a broker, so the lender setting the rate is not named in the offer
- Support runs on email and help centre only, with no phone line listed
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
Solcredito
Who it suits
- Adults in Spain with a poor credit profile who need money in the account the same day
- Borrowers covering home improvement who can repay inside 3 to 60
- People who prefer written support through a help centre and email rather than by phone
Who should look elsewhere
- Borrowers with a strong credit file, who will find rates well under the 0% to 3,752% ceiling on a direct lender
- Anyone needing to borrow more than €50 to €5,000 or to repay over a longer period than 3 to 60
- Readers who want a named lender and a regulated protection scheme, neither of which appears for this broker
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
Solcredito
Current offer
First period offer
Extra 5000 EUR desde 0% para eventos especiales / primer prestamo al 0% de interes: 0% interest, extra amount up to 5,000 EUR
New customers, first loan, promotional event offer
Source, checked September 26, 2026
First period offer
Extra $12,000 desde 0% para eventos especiales / primer prestamo desde 0% de interes (Mexico): 0% interest, extra amount up to 12,000 MXN
New customers, first loan, Mexico offer; deposit within 24hrs claimed
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 | Solcredito | Vivus ES |
|---|---|---|
| Mexico | Yes | No |
| Spain | Yes | Yes |
Questions about each
Solcredito
What rate will I pay through Solcredito?+
Annual rates run 0% to 3,752%, a wide spread that reflects the partner lenders Solcredito works with rather than one set price. The site's median personal loan rate is 12%. The representative example shows a credit line drawn in full, repaid over a set number of instalments at a stated annual rate and monthly rate, with the resulting TAE and no fees.
Are there arrangement fees or hidden costs?+
The arrangement fee is 0 EUR on the personal loan offer, and the representative example states no fees on the credit line it illustrates. A broker can still pass on lender costs inside the rate itself, so the figure to weigh is the TAE in any offer you receive.
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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