Updated September 29, 2026 · BorrowCue Editorial Team
TF Bank vs Vivus ES
TF Bank vs Vivus ES: the differences
| Compare |  TF Bank |  Vivus ES |
|---|---|---|
| APR | 17.58% | 0% to 3,752.4%Lower |
| Loan amount | up to €15,000Higher | €50 to €1,400 |
| Term | up to 120 monthsHigher | 7 to 30 months |
| Credit check | Soft prequal | Hard |
| Funding time | within 1 business day | up to 15 minutes after approval |
| Representative example | Loan 5300 EUR, fixed rate 16.30% p.a., APR 17.58%, term 80 months, 80 x 109.05 EUR, total 8724.00 EUR | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Eligibility | 18+, German residence, regular income | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Debt consolidation | Payday, Personal |
| Rate type | Fixed | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Lender type (Direct lender), Free early repayment (No), Origination fee (%) (0%).
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Key differences
- TF Bank scores higher overall: 9.3 vs 9.0.
- Founded is lower at TF Bank: 1987 vs 2013.
- TF Bank is available in 1 more country.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 17.58%.
- Loan amount is higher at TF Bank: up to €15,000 vs €50 to €1,400.
- Term is higher at TF Bank: up to 120 months vs 7 to 30 months.
- Features: only Vivus ES offers Same day funding.
- Loan types: only TF Bank offers Debt consolidation.
- Loan types: only Vivus ES offers Payday.
Our verdict on each
TF Bank
TF Bank suits borrowers in Germany seeking a fixed rate personal or debt consolidation loan with clear monthly payments for home improvement plans. APR sits at 17.58% with funding in within 1 business day and amounts of up to €15,000 over terms of up to 120 through a direct lender setup.
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 | TF Bank | Vivus ES |
|---|---|---|
| Cost | 8.8Pricing centres on APR of 17.58% with fixed rate structure | 9.2HigherOrigination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. |
| Offer | 9.5HigherCovers borrowing for personal and debt consolidation with home improvement use | 8.8 |
| Trust | 9.5HigherOperates as direct lender with long operating history | 8.9 |
Ranges side by side
| Fact | TF Bank | Vivus ES |
|---|---|---|
| Loan amount | up to €15,000 | €50 to €1,400 |
| Term | up to 120 months | 7 to 30 months |
Choosing between them
Pick TF Bank if offer, trust, loan amount, and term matter most.
Pick Vivus ES if cost and apr matter most.
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
TF Bank
96.66
96.66
Vivus ES
0 to 37,024
0 to 37,024
Vivus ES comes out 96.66 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 29, 2026.
How they place
| Ranking | TF Bank | Vivus ES |
|---|---|---|
| Personal loans | 87 of 1932 | 25 of 1932 |
| Lines of credit | 14 of 328 | 3 of 328 |
Every fact side by side
| Fact | TF Bank | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Avarda Bank AB | Vivus Financial Services, S.A.U. |
| Headquarters | Sweden | Spain |
| Founded | 1987Lower | 2013 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | TF Bank | Vivus ES | Median |
|---|---|---|---|
| APR | 17.58%above the median | 0% to 3,752.4%lowest quarter | 8.99% |
| Loan amount | up to €15,000below the median | €50 to €1,400lowest quarter | €40,000 |
| Term | up to 120 monthshighest quarter | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
TF Bank
Pros
- Fixed pricing through fixed and fixed rate for predictable monthly budgeting
- Free arrangement with fees of 0 EUR alongside 0%
- Pre check via soft prequal with funding in within 1 business day
Cons
- Free early repayment is answered no, so settling the balance early may carry a charge
- APR of 17.58% sits higher than 12.74% to 13.01% for price sensitive borrowers
- Eligibility tied to German residence and regular income in 18+, German residence, regular income
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
TF Bank
Who it suits
- Borrowers planning home improvement using home improvement with fixed payments
- Borrowers consolidating balances using personal and debt consolidation via a direct lender
- Borrowers valuing phone and email help through email, phone and help centre
Who should look elsewhere
- Borrowers planning early repayment may prefer Ibancar Prestamos as free early repayment is answered no here
- Borrowers seeking lower APR cover may prefer Ibancar Prestamos given 12.74% to 13.01% against 17.58%
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
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 | TF Bank | Vivus ES |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Spain | No | Yes |
Questions about each
TF Bank
What does a TF Bank loan cost in APR and fees?+
TF Bank charges APR of 17.58% on a fixed rate basis under fixed. Arrangement fees are 0 EUR with a rate of 0%. The published Representative example outlines total repayable with fixed monthly instalments over a long term.
How much can be borrowed and over what term?+
TF Bank lends amounts of up to €15,000 with terms of up to 120. The structure follows fixed rate with fixed pricing. Monthly payments stay predictable across the agreed term, which helps budgeting for larger home improvement or consolidation plans.
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.