Updated September 30, 2026 · BorrowCue Editorial Team
SOS Credit vs Vivus
What sets them apart
| Compare | SOS Credit ReviewVisitVisit |  Vivus |
|---|---|---|
| APR | 1,187% to 185,297.8% | 44.5%Lower |
| Loan amount | CZK 1,000 to CZK 30,000 | €50 to €10,000 |
| Term | 7 to 28 months | 3 to 60 monthsHigher |
| Arrangement fee | 7,126 CZK total cost on an 8,000 CZK, 91-day first-loan-free loan, plus 1 CZK sent for identification | 0 EUR (credit line disbursement fee) |
| Funding time | Within 15 minutes | 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 | First loan free (100% discount): loan of 8,000 CZK over 91 days, fixed annual interest 0%, RPSN (APR) 1187%, total payable 15,126 CZK | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Eligibility | 18+, citizen of the Czech Republic or another EU member state with permanent residence in the Czech Republic, with regular monthly income and a Czech bank account | 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 (%) | 89.1% | 0%Lower |
| Loan types | Payday, Personal | Personal, Payday, CarCovers more |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Rate type (Fixed), Lender type (Direct lender).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Vivus scores higher overall: 9.0 vs 8.7.
- APR is lower at Vivus: 44.5% vs 1,187% to 185,297.8%.
- Origination fee (%) is lower at Vivus: 0% vs 89.1%.
- Term is higher at Vivus: 3 to 60 months vs 7 to 28 months.
- Support channels: only Vivus offers Chat.
- Features: only Vivus offers Credit line.
- Loan types: only Vivus offers Car.
Our verdict on each
SOS Credit
SOS Credit suits Czech borrowers with regular income who need a small, fast loan and can handle steep fixed costs. It lends directly through Orange finance s.r.o. and funds within Within 15 minutes, but APR of 1,187% to 185,297.8% makes the price the thing to weigh.
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 | SOS Credit | Vivus |
|---|---|---|
| Cost | 8.0APR runs 1,187% to 185,297.8% on a fixed rate, well above the 12% site median. | 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 | 8.8 | 8.9Higher |
| Trust | 9.2Higher | 9.1 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
SOS Credit
227,400.02 to 37,049,560
227,400.02 to 37,049,560
Vivus
5,274.33
5,274.33
Vivus comes out 222,125.69 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Ranges side by side
| Fact | SOS Credit | Vivus |
|---|---|---|
| Term | 7 to 28 months | 3 to 60 months |
How they place
| Ranking | SOS Credit | Vivus |
|---|---|---|
| Personal loans | 134 of 1920 | 24 of 1920 |
| Payday and short-term loans | 57 of 247 | 9 of 247 |
Every fact side by side
| Fact | SOS Credit | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Orange finance s.r.o. (IC 04488237) | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Czechia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Email, Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | SOS Credit | Vivus | Median |
|---|---|---|---|
| APR | 1,187% to 185,297.8%highest quarter | 44.5%highest quarter | 8.99 |
| Term | 7 to 28 monthslowest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | 89.1%highest quarter | 0%below the median | 0.25% |
Median across 1152 listed lenders.
Pros and cons
SOS Credit
Pros
- Funds arrive within Within 15 minutes, one of the faster turns around in this group
- Fixed rate loans, so payments do not shift with the market
- Lends directly as direct lender rather than routing you through a broker
Cons
- APR of 1,187% to 185,297.8% is a heavy cost for a short payday or personal loan
- A hard credit check means an application can leave a mark on your file
- Lending tops out at CZK 1,000 to CZK 30,000, so larger costs need another provider
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
SOS Credit
Who it suits
- Adults with regular monthly income and a Czech bank account
- People who value a quick decision over a low price
- Borrowers who can clear a hard credit check and repay within 7 to 28
Who should look elsewhere
- Anyone wanting cheaper borrowing, since APR reaches 1,187% to 185,297.8%
- People needing more than CZK 1,000 to CZK 30,000 or a longer term than 7 to 28
- Borrowers near the Czech personal loan median of 12% who can shop elsewhere
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
SOS Credit
Current offer
Discount code
First loan free - 100% discount: 100% discount on the first loan; Admitad lists first loan up to 10,000 CZK free
New applicants; 1 CZK is sent to the client for identification when the contract is signed online
Source, checked September 26, 2026
Discount code
Automatic discount for repeat borrowers: Discount applicable to loans up to 15,000 CZK
Regular clients receive a discount automatically based on repeated requests
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 | SOS Credit | Vivus |
|---|---|---|
| Czechia | Yes | No |
| Latvia | No | Yes |
Questions about each
SOS Credit
How fast does SOS Credit pay out?+
Money is sent within Within 15 minutes once a loan is approved, and same-day funding is a listed feature. Applicants are adults with regular monthly income and a Czech bank account, so the account and income details matter as much as the clock.
What does a SOS Credit loan cost?+
The annual percentage rate runs 1,187% to 185,297.8%. On a first-loan-free promotion the example shows fixed annual interest at nil, yet the total payable is still well above the amount borrowed, which is why the headline discount needs reading alongside the RPSN.
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
- SOS Credit vs MoneyCat
- SOS Credit vs Cashper AT
- SOS Credit vs 1822direkt
- Vivus vs Oney Préstamos ES
- Vivus vs Sofkredit
- Vivus vs Quick Car Finance
- Vivus vs Prestamiau ES
- Vivus vs Ibancar Prestamos
- Vivus vs DKB (Deutsche Kreditbank)
- Vivus vs Fidea
- Vivus vs Multitude Bank p.l.c
- Vivus vs Multitude
- Vivus vs Qonto ES
- Vivus vs Youmoney
- SOS Credit 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