Updated September 30, 2026 · BorrowCue Editorial Team
TF Bank vs Vivus
Where TF Bank and Vivus differ
| Compare |  TF Bank |  Vivus |
|---|---|---|
| APR | 17.58%Lower | 44.5% |
| Loan amount | up to €15,000Higher | €50 to €10,000 |
| Term | up to 120 monthsHigher | 3 to 60 months |
| Arrangement fee | 0 EUR | 0 EUR (credit line disbursement fee) |
| Credit check | Soft prequal | Hard |
| Funding time | within 1 business day | 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 | Loan 5300 EUR, fixed rate 16.30% p.a., APR 17.58%, term 80 months, 80 x 109.05 EUR, total 8724.00 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 |
| Free early repayment | No | YesHas it |
| Eligibility | 18+, German residence, regular income | 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, Debt consolidation | Personal, Payday, Car |
| Credit needed | Not confirmed | Good |
Same on both: Rate type (Fixed), Lender type (Direct lender), Origination fee (%) (0%), Use cases (Home improvement).
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Key differences
- TF Bank scores higher overall: 9.3 vs 9.0.
- Founded is lower at TF Bank: 1987 vs 2008.
- TF Bank is available in 1 more country.
- APR is lower at TF Bank: 17.58% vs 44.5%.
- Free early repayment: only Vivus.
- Loan amount is higher at TF Bank: up to €15,000 vs €50 to €10,000.
- Term is higher at TF Bank: up to 120 months vs 3 to 60 months.
- Support channels: only Vivus offers Chat.
- Features: only Vivus offers Same day funding.
- Loan types: only TF Bank offers Debt consolidation.
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
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 | TF Bank | Vivus |
|---|---|---|
| Cost | 8.8Pricing centres on APR of 17.58% with fixed rate structure | 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 | 9.5HigherCovers borrowing for personal and debt consolidation with home improvement use | 8.9 |
| Trust | 9.5HigherOperates as direct lender with long operating history | 9.1 |
Positions in our rankings
| Ranking | TF Bank | Vivus |
|---|---|---|
| Personal loans | 87 of 1932 | 24 of 1932 |
| Lines of credit | 14 of 328 | 2 of 328 |
| Home improvement loans | 38 of 562 | 11 of 562 |
Choosing between them
Pick TF Bank if offer, trust, apr, loan amount, and term matter most.
Pick Vivus if free early repayment matter most.
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
TF Bank
2,939.14
2,939.14
Vivus
8,277.48
8,277.48
TF Bank comes out 5,338.34 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.
Sources behind this comparison
TF Bank
- tfbank.de: 19 facts, checked September 29, 2026
- tfbank.at: 1 fact, checked September 28, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Every fact side by side
| Fact | TF Bank | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Credit line | Same day funding, Credit lineCovers more |
| Legal entity | Avarda Bank AB | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Sweden | Latvia |
| Founded | 1987Lower | 2008 |
| Support channels | Email, Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | TF Bank | Vivus | Median |
|---|---|---|---|
| APR | 17.58%above the median | 44.5%highest quarter | 8.99% |
| Loan amount | up to €15,000below the median | €50 to €10,000below the median | €40,000 |
| Term | up to 120 monthshighest quarter | 3 to 60 monthsat 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
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
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
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 | TF Bank | Vivus |
|---|---|---|
| Austria | Yes | No |
| Germany | Yes | No |
| Latvia | 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
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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