Vivus ES review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Short, small borrowing needs in Spain that can be repaid in a single term.
APR
0% to 3,752.4% (Source, checked September 26, 2026)
Loan amount
€50 to €1,400 (Source, checked September 26, 2026)
Term
7 to 30 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
up to 15 minutes after approval (Source, checked September 26, 2026)
Representative example
100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
No (Source, checked September 26, 2026)
Eligibility
Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Payday, Personal (Source, checked September 26, 2026)
Legal entity
Vivus Financial Services, S.A.U. (Source, checked September 26, 2026)
Headquarters
Spain (Source, checked September 26, 2026)
Founded
2013 (Source, checked September 26, 2026)
Support channels
Phone, Email, Help-centre (Source, checked September 26, 2026)
Features
Same-day funding, Credit line
Official website
vivus.es

Apps and profiles

Get the app
Google Play
Elsewhere
LinkedInX

Pros and cons

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
  • Repayment terms of 7 to 30 keep the commitment short

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
  • A hard credit search, so a declined application is visible to other lenders
Vivus ES

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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

What borrowing costs

Both a payday loan and a personal loan carry an origination fee of 0 EUR and 0%, so there is no upfront charge beyond the interest itself. The cost of borrowing is in the rate: the annual percentage rate runs from 0% to 3,752.4%, and the representative example shows what that looks like in practice on a small loan repaid in a single month, with interest adding a substantial sum to the amount borrowed. The headline figure is driven by the short term rather than by a fee. Free early repayment is no, so there is no reward for clearing the balance ahead of schedule. For anyone weighing a longer term against a bigger loan, a lender with a lower rate and a longer repayment window will cost less in the long run.

Application and funding speed

Speed is the strongest part of the offer. Money arrives up to 15 minutes after approval, and same day funding is listed among the product features, so an approved application does not have to wait days for a bank transfer. Borrowing runs €50 to €1,400, which suits a shortfall rather than a major expense, and the term runs 7 to 30, keeping any commitment brief. The trade-off is that the clock only starts once an application is approved, so the credit decision sets the pace as much as the payout does. For an urgent bill or an emergency repair, that combination of a quick transfer and a short commitment is the reason to choose this lender.

How your money is protected

The lender is a direct lender, so direct lender means the money comes from the company named on the agreement and the borrower deals with one counterparty rather than a chain of intermediaries. The legal contracting entity is Vivus Financial Services, S.A.U., headquartered in Spain, so the contract and the money sit in the same market. This is a loan account rather than a deposit account, so savings protection schemes do not apply to the balance you build up here. What a borrower is protected by is the contract terms and Spanish lending rules rather than a deposit guarantee. The representative example is the clearest guide to what the loan really costs, and it is worth reading closely before signing.

The company behind it

Vivus ES is operated by Vivus Financial Services, S.A.U., a company founded in 2013 and based in Spain. It lends its own money rather than passing applicants on to a panel, and it offers both payday and personal loans plus a credit line. Support runs on phone, email and help centre, which covers phone and email alongside a help centre, so there is a direct route to the lender on a payment date. The company has been operating long enough to have a track record in the Spanish short term lending market, though its products remain aimed at brief rather than sustained borrowing.

How Vivus ES compares

Where Vivus ES is available

Available
Spain

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How fast does a Vivus ES loan arrive?+

Funding is stated as up to 15 minutes after approval, and same day funding is listed among the product features. In practice the clock starts once an application is approved, so a declined or slow credit file delays everything. If speed matters more than price, this is the strongest part of the offer.

How much can I borrow from Vivus ES?+

Loan amounts run €50 to €1,400, and the repayment term runs 7 to 30. That combination places the product firmly in short term and small sum territory. A larger expense, such as a car or a home improvement, would need a different kind of lender with a higher ceiling and a longer term.

Does Vivus ES run a credit check?+

Yes, the credit check is hard, so a search is recorded and visible to other lenders even if you are declined. It is worth considering a soft check elsewhere if your file is thin. Eligibility also means living in Spain, being an adult, holding a bank account in Spain, and having no payments or debts outstanding.

Is the money safe with Vivus ES?+

Vivus is a direct lender, so direct lender means you borrow from the named company, Vivus Financial Services, S.A.U., based in Spain. Savings protection schemes do not cover a loan account, since this is borrowing rather than a deposit. Your protection rests on the contract and on Spanish lending rules rather than on a safeguarded balance.

Can I repay a Vivus ES loan early?+

Free early repayment is no, so clearing the balance ahead of schedule does not earn a rebate or reduce the interest already agreed. This matters most if you are considering a longer term elsewhere, where early settlement is a standard feature. Here the term runs 7 to 30 and the money is meant to be paid off at the agreed date.

How does Vivus ES support customers?+

Support runs on phone, email and help centre, which covers phone and email as well as a help centre. Phone is the quickest route on a repayment date, while the help centre suits questions about a repayment plan. A direct lender structure also means queries go to the company that holds the loan rather than a third party.

Sources

  • vivus.es checked September 26, 2026

    Backs: APR, Eligibility, Features, Free early repayment, Funding time, Arrangement fee, Origination fee (%), Representative example, Support channels

  • vivus.es/condiciones/generales checked September 26, 2026

    Backs: Loan amount, Credit check, Headquarters, Legal entity, Lender type, Loan types, Term

  • vivus.es/quienes-somos checked September 26, 2026

    Backs: Founded

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Vivus ES

Vivus ES

Short, small borrowing needs in Spain that can be repaid in a single term.

9.0/10Visit

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