Updated September 28, 2026 · BorrowCue Editorial Team
Vivus ES vs Wandoo
Vivus ES vs Wandoo: the differences
| Compare |  Vivus ES |  Wandoo |
|---|---|---|
| APR | 0% to 3,752.4%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €50 to €1,400 | €50 to €1,800Higher |
| Term | 7 to 30 months | 7 to 35 monthsHigher |
| Arrangement fee | 0 EUR | 0.00 EUR (no opening or study commission) |
| Funding time | up to 15 minutes after approval | 24-48 hours after approval, depending on the bank |
| Representative example | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Eligibility | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Rate type | Not confirmed | Variable |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (No), Origination fee (%) (0%), Loan types (Payday, Personal).
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Key differences
- Vivus ES scores higher overall: 9.0 vs 8.7.
- Founded is lower at Vivus ES: 2013 vs 2017.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 4,530.48% to 8,385.16%.
- Loan amount is higher at Wandoo: €50 to €1,800 vs €50 to €1,400.
- Term is higher at Wandoo: 7 to 35 months vs 7 to 30 months.
Our verdict on each
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.
Wandoo
Wandoo suits borrowers in Spain who want a small, short loan with no opening or study commission. The catch is the rate: an APR of 4,530.48% to 8,385.16% sits well above the personal loan median of 12.25%, and early repayment carries a charge.
Score breakdown
| Area | Vivus ES | Wandoo |
|---|---|---|
| Cost | 9.2HigherOrigination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. | 8.6Origination fee of 0.00 EUR (no opening or study commission) and no free early repayment, against an APR of 4,530.48% to 8,385.16%. |
| Offer | 8.8 | 8.8 |
| Trust | 8.9Higher | 8.8 |
Which one suits you
Pick Vivus ES if cost and apr matter most.
Pick Wandoo if loan amount and term matter most.
From lowest to highest
| Fact | Vivus ES | Wandoo |
|---|---|---|
| APR | 0% to 3,752.4% | 4,530.48% to 8,385.16% |
| Loan amount | €50 to €1,400 | €50 to €1,800 |
| Term | 7 to 30 months | 7 to 35 months |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 3,752.4% for Vivus ES and 4,530.48% to 8,385.16% for Wandoo.
FINANZCHECK.de reviewSources behind this comparison
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
Wandoo
- wandoo.es: 19 facts, checked September 26, 2026
How they place
| Ranking | Vivus ES | Wandoo |
|---|---|---|
| Personal loans | 25 of 1932 | 26 of 1932 |
| Payday and short-term loans | 10 of 246 | 11 of 246 |
Every fact side by side
| Fact | Vivus ES | Wandoo |
|---|---|---|
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | Vivus Financial Services, S.A.U. | Wandoo Finance S.L.U. |
| Headquarters | Spain | Spain |
| Founded | 2013Lower | 2017 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Vivus ES | Wandoo | Median |
|---|---|---|---|
| APR | 0% to 3,752.4%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 8.99 |
| Loan amount | €50 to €1,400lowest quarter | €50 to €1,800lowest quarter | €40,000 |
| Term | 7 to 30 monthsbelow the median | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | 0%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
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
Wandoo
Pros
- No opening or study commission, with an origination fee of 0.00 EUR (no opening or study commission) on the payday and personal loans.
- Repayment follows the income cycle: €50 to €1,800 over 7 to 35, which suits a bill that clears next month rather than a multi year plan.
- Fixed monthly cost from a direct lender, direct lender, so the terms sit with one counterparty instead of a broker chain.
Cons
- The APR of 4,530.48% to 8,385.16% is far above the payday loan median of 36.5%, and the top of the range reaches 4,530.48% to 8,385.16%.
- Free early repayment is no, so clearing the loan early still carries a charge.
- The amount ceiling of €50 to €1,800 is small next to the home improvement median of €1,000, so a large renovation needs another lender.
Who each suits
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
Wandoo
Who it suits
- Adults resident in Spain with a valid DNI/NIE, a Spanish bank account and verifiable regular income.
- Borrowers covering a short term expense, home improvement is the stated use.
- People whose credit file stands at a fair level and who can handle a hard credit check.
Who should look elsewhere
- Anyone planning to settle the loan early, since free early repayment is no.
- Borrowers needing a long repayment period, as 7 to 35 is short.
- Readers comparing against Monzo Flex, where an APR of 10% to 23% sits far below 4,530.48% to 8,385.16%.
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
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
Source, checked September 26, 2026
Country by country
| Country | Vivus ES | Wandoo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
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.
Wandoo
What does a Wandoo loan cost?+
The published APR is 4,530.48% to 8,385.16% and the rate is variable. There is no opening or study commission, the origination fee being 0.00 EUR (no opening or study commission), so the interest rate does most of the work in setting what you repay. The representative example shows the annual cost clearly once the short term is taken into account.
Are there arrangement or opening fees?+
The origination fee is 0.00 EUR (no opening or study commission), and there is no opening or study commission on the payday or personal loans. Interest on the amount borrowed is the main cost, and the rate is variable, so it can move with the reference rate.
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