Updated September 30, 2026 · BorrowCue Editorial Team
Solcredito vs Vivus
Solcredito vs Vivus: the differences
| Compare |  Solcredito |  Vivus |
|---|---|---|
| APR | 0% to 3,752%Lower | 44.5% |
| Loan amount | €50 to €5,000 | €50 to €10,000Higher |
| Arrangement fee | 0 EUR | 0 EUR (credit line disbursement fee) |
| Funding time | Decision in 15 minutes, money in your bank account within a few hours | 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 | 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 | 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 | Age 18 to 80, resident in Spain, current account at a national bank, own email and mobile number (some partner lenders require 21) | 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 | Personal, Payday, Debt consolidation, Credit line | Personal, Payday, Car |
| Credit needed | Poor | Good |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0% |
Same on both: Term (3 to 60 months), Use cases (Home improvement).
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Key differences
- Founded is lower at Vivus: 2008 vs 2011.
- Solcredito is available in 1 more country.
- APR is lower at Solcredito: 0% to 3,752% vs 44.5%.
- Loan amount is higher at Vivus: €50 to €10,000 vs €50 to €5,000.
- Support channels: only Vivus offers Chat, Phone.
- Loan types: only Solcredito offers Debt consolidation, Credit line.
- Loan types: only Vivus offers Car.
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
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 | Solcredito | 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 | 8.4A broker, not a lender, with fees of 0 EUR and rates of 0% to 3,752% against a site median of 12%. | 8.9Higher |
| Trust | 8.5 | 9.1Higher |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 3,752% for Solcredito and 44.5% for Vivus.
FINANZCHECK.de reviewWhat we checked
Solcredito
- solcredito.es: 16 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
How they place
| Ranking | Solcredito | Vivus |
|---|---|---|
| Personal loans | 59 of 1932 | 24 of 1932 |
| Payday and short-term loans | 29 of 246 | 9 of 246 |
| Lines of credit | 9 of 328 | 2 of 328 |
| Home improvement loans | 26 of 562 | 11 of 562 |
Every fact side by side
| Fact | Solcredito | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Fiizy OU (registration code 12694462) | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | 2011 | 2008Lower |
| Support channels | Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Solcredito | Vivus | Median |
|---|---|---|---|
| APR | 0% to 3,752%lowest quarter | 44.5%highest quarter | 8.99 |
| Loan amount | €50 to €5,000lowest quarter | €50 to €10,000below the median | €40,000 |
| Term | 3 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
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
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
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
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
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
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 | Solcredito | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Mexico | Yes | No |
| Spain | Yes | No |
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
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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