Updated September 28, 2026 · BorrowCue Editorial Team
Upgrade vs Vivus ES
Upgrade vs Vivus ES: the differences
| Compare |  Upgrade |  Vivus ES |
|---|---|---|
| APR | 7.74% to 35.99% | 0% to 3,752.4%Lower |
| Loan amount | $1,000 to $50,000 | €50 to €1,400 |
| Term | 24 to 84 monthsHigher | 7 to 30 months |
| Arrangement fee | 1.85%-9.99% one-time origination fee, deducted from loan proceeds | 0 EUR |
| Credit check | Soft prequal | Hard |
| Funding time | Within 1 business day of clearing verifications | up to 15 minutes after approval |
| Representative example | $10,000 unsecured personal loan, 36-month term, 17.59% APR including 13.94% yearly interest rate and 5% one-time origination fee; $9,500 received, $341.48 monthly payment, $12,293.46 total | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Free early repayment | YesHas it | No |
| Eligibility | Be a U.S. citizen, a permanent resident, or living in the U.S. on a valid visa; be at least 18 years old (or older where the majority age is higher); provide verifiable bank account information and a valid email address | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Origination fee (%) | 1.85% to 9.99% | 0%Lower |
| Loan types | Personal, Debt consolidation, Secured, Car | Payday, Personal |
| Rate type | Fixed | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Lender type (Direct lender).
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Key differences
- Upgrade scores higher overall: 9.2 vs 9.0.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 7.74% to 35.99%.
- Free early repayment: only Upgrade.
- Origination fee (%) is lower at Vivus ES: 0% vs 1.85% to 9.99%.
- Term is higher at Upgrade: 24 to 84 months vs 7 to 30 months.
- Loan types: only Upgrade offers Debt consolidation, Secured, Car.
- Loan types: only Vivus ES offers Payday.
Our verdict on each
Upgrade
Upgrade lends directly through Upgrade, Inc. and suits US borrowers who want a fixed rate personal loan, debt consolidation or car finance with fast payout. Amounts run $1,000 to $50,000 over terms of 24 to 84 at a fixed rate, so the monthly figure is set at the start.
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 | Upgrade | Vivus ES |
|---|---|---|
| Cost | 9.0 | 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 | 9.3HigherAmounts of $1,000 to $50,000 over terms of 24 to 84 at a fixed rate, fee taken from the payout. | 8.8 |
| Trust | 9.2Higher | 8.9 |
Licences and countries
| Country | Upgrade | Vivus ES |
|---|---|---|
| United States | Not confirmed |
Additional countries for Upgrade: 1. Additional countries for Vivus ES: 1.
Ranges side by side
| Fact | Upgrade | Vivus ES |
|---|---|---|
| APR | 7.74% to 35.99% | 0% to 3,752.4% |
| Term | 24 to 84 months | 7 to 30 months |
Side by side, item by item
| Loan types | Upgrade | Vivus ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | No | Yes |
| Debt consolidation | Yes | No |
| Secured | Yes | No |
| Car | Yes | No |
How they place
| Ranking | Upgrade | Vivus ES |
|---|---|---|
| Personal loans | 91 of 1932 | 25 of 1932 |
| Lines of credit | 15 of 328 | 3 of 328 |
Every fact side by side
| Fact | Upgrade | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | Upgrade, Inc. | Vivus Financial Services, S.A.U. |
| Headquarters | United States | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Phone, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Upgrade | Vivus ES | Median |
|---|---|---|---|
| APR | 7.74% to 35.99%below the median | 0% to 3,752.4%lowest quarter | 8.99 |
| Term | 24 to 84 monthsabove the median | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | 1.85% to 9.99%above the median | 0%below the median | 0.25 |
Median across 1005 listed lenders.
Pros and cons
Upgrade
Pros
- Borrowing is priced at a fixed rate, so the monthly payment holds for the life of the loan
- Amounts of $1,000 to $50,000 cover consolidation, car and home improvement plans as listed in personal, debt consolidation and secured
- Free early repayment lets you clear the balance ahead of schedule without a charge
Cons
- The arrangement fee of 1.85% to 9.99% is deducted from the payout, so a loan can arrive smaller than the amount approved
- The top of 7.74% to 35.99% is well above the site median of 12%, so a thin credit file lands at the expensive end
- Eligibility is limited to US citizens, permanent residents or people in the US on a valid visa who can provide verifiable bank details
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
Upgrade
Who it suits
- US residents who want a fixed rate held across the whole term, as fixed shows
- Borrowers consolidating several balances into a single monthly payment
- Car buyers and home improvement planners, the two uses named in home improvement and personal, debt consolidation and secured
Who should look elsewhere
- Borrowers outside the US, since US is where the lender is based and licences are US only
- Anyone wanting a firm rate before a full application, given soft prequal is a soft prequal step
- People who want a fee paid after the fact, because the arrangement fee is taken from the amount borrowed
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 | Upgrade | Vivus ES |
|---|---|---|
| Spain | No | Yes |
| United States | Yes | No |
Questions about each
Upgrade
What rate will I pay on an Upgrade personal loan?+
Pricing runs across 7.74% to 35.99% and is set at a fixed rate, so the monthly amount does not move once the loan starts. The top of that range is well above the site median of 12%, so your credit profile decides where you land.
Is there a fee for taking out an Upgrade loan?+
Yes, an arrangement fee of 1.85% to 9.99% applies to the loan. It is taken from the loan proceeds rather than added to your opening payment, which means the amount that reaches your account is smaller than the amount approved.
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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