Updated September 28, 2026 · BorrowCue Editorial Team
Vivus ES vs Youmoney ES
Vivus ES vs Youmoney ES: the differences
| Compare |  Vivus ES |  Youmoney ES |
|---|---|---|
| APR | 0% to 3,752.4% | 0% to 349% |
| Loan amount | €50 to €1,400Higher | €50 to €1,000 |
| Term | 7 to 30 months | 0.23 to 36 monthsHigher |
| Funding time | up to 15 minutes after approval | 15 minutes to 24 hours |
| Representative example | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Lender type | Direct lender | Broker |
| Eligibility | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Payday, Personal | Personal, Payday, SecuredCovers more |
| Rate type | Not confirmed | Variable |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Arrangement fee (0 EUR), Credit check (Hard).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Vivus ES scores higher overall: 9.0 vs 8.9.
- Loan amount is higher at Vivus ES: €50 to €1,400 vs €50 to €1,000.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 7 to 30 months.
- Support channels: only Vivus ES offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Features: only Vivus ES offers Credit line.
- Loan types: only Youmoney ES offers Secured.
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.
Youmoney ES
Youmoney suits Spanish adults with a bank account who need a small short loan matched by a broker rather than a direct lender. The credit check is hard, fees are 0 EUR and APR runs 0% to 349%, so the partner lender's terms decide the real cost.
Score breakdown
| Area | Vivus ES | Youmoney ES |
|---|---|---|
| Cost | 9.2Origination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. | 9.9Higher |
| Offer | 8.8Higher | 8.5Broker matching personal, payday and secured loans with fees of 0 EUR, a hard credit check and 0% to 349%. |
| Trust | 8.9Higher | 8.3 |
If neither fits
Oney Préstamos ES has loan amount at €1,000 to €45,000, against €50 to €1,400 for Vivus ES and €50 to €1,000 for Youmoney ES.
Oney Préstamos ES reviewSources behind this comparison
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
Youmoney ES
- youmoney.es: 16 facts, checked September 26, 2026
How they place
| Ranking | Vivus ES | Youmoney ES |
|---|---|---|
| Personal loans | 25 of 1932 | 31 of 1932 |
| Payday and short-term loans | 10 of 246 | 13 of 246 |
Every fact side by side
| Fact | Vivus ES | Youmoney ES |
|---|---|---|
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Vivus Financial Services, S.A.U. | Findao Sp. z o.o. |
| Headquarters | Spain | Poland |
| Founded | 2013 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Vivus ES | Youmoney ES | Median |
|---|---|---|---|
| APR | 0% to 3,752.4%lowest quarter | 0% to 349%lowest quarter | 8.99 |
| Loan amount | €50 to €1,400lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 7 to 30 monthsbelow the median | 0.23 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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
Youmoney ES
Pros
- Fees of 0 EUR mean the origination charge adds nothing to the cost of taking out a loan
- personal, payday and secured covers personal, payday and secured borrowing, so several shapes of loan can be shopped in the same place
- Funding in 15 minutes to 24 hours, with same day funding listed among the service's features
Cons
- APR runs 0% to 349%, well above the 12% median across the site
- Help runs through email, chat and help centre, and every channel in that list is written rather than spoken
- The broker model means the price depends on which partner lender answers, and the rate type is variable
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
Youmoney ES
Who it suits
- Adults in Spain with poor credit who still hold a Spanish bank account
- Borrowers who need a small amount inside 15 minutes to 24 hours
- Anyone comparing personal, payday and secured through a single broker rather than chasing lenders one by one
Who should look elsewhere
- Borrowers with a strong credit file, since Monzo Flex charges 10% to 23% and a hard check is wasted on them
- Anyone wanting a cheaper rate over a longer term, as Monzo Flex charges 10% to 23% against 0% to 349%
- Borrowers who need a large sum, because loans top out at €50 to €1,000
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
Youmoney ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Vivus ES | Youmoney ES |
|---|---|---|
| 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.
Youmoney ES
What does Youmoney cost to borrow?+
Origination fees run 0 EUR, so no arrangement charge is added to the deal. The cost of borrowing itself is shown as APR, which runs 0% to 349% and is set by whichever partner lender answers your application. The rate type is variable, so treat any figure on the site as an indication rather than a promise.
Is Youmoney a lender or a broker?+
It is a broker, tagged as broker, which means the money and the contract come from a partner lender rather than from the site. That also explains why the 0% to 349% range is so wide, since pricing follows whichever lender responds. Check the lender's name, its cost and its repayment terms before you accept an offer.
Other options to compare
Other matchups
- Youmoney ES vs Sofkredit
- Vivus ES vs Credityes ES
- Vivus ES vs CreditoZen
- Vivus ES vs Pezetita
- Vivus ES vs Fidea
- Vivus ES vs Multitude Bank p.l.c
- Vivus ES vs Qonto ES
- Youmoney ES vs Fiesta Credito MX
- Vivus ES vs Lendela
- Youmoney ES vs Creditio
- Vivus ES vs BriteCap Financial
- Vivus ES vs Kredivo
- Vivus ES vs Moneyveo UA
- Vivus ES vs TF Bank
- Youmoney ES vs Consumers Credit Union
- Vivus ES vs Upgrade