Updated September 28, 2026 · BorrowCue Editorial Team
Vivus ES vs Youmoney
Vivus ES vs Youmoney: the differences
| Compare |  Vivus ES |  Youmoney |
|---|---|---|
| APR | 0% to 3,752.4%Lower | 25.28% to 72.19% |
| Loan amount | €50 to €1,400 | PLN 100 to PLN 10,000 |
| Term | 7 to 30 monthsHigher | 24 months |
| Arrangement fee | 0 EUR | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | up to 15 minutes after approval | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Eligibility | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Origination fee (%) | 0%Lower | 33.76% |
| Loan types | Payday, Personal | Personal, Payday, Debt consolidationCovers more |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Poor |
Same on both: 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 8.6.
- Founded is lower at Vivus ES: 2013 vs 2022.
- Youmoney is available in 2 more countries.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 25.28% to 72.19%.
- Free early repayment: only Youmoney.
- Origination fee (%) is lower at Vivus ES: 0% vs 33.76%.
- Term is higher at Vivus ES: 7 to 30 months vs 24 months.
- Support channels: only Youmoney offers Chat.
- Features: only Vivus ES offers Credit line.
- Loan types: only Youmoney offers Debt consolidation.
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
Youmoney suits Polish borrowers who need money within hours and who can absorb a steep rate, offering payday, instalment and consolidation loans through a single application. What you pay is the trade-off: 25.28% to 72.19%, an arrangement fee of 33.76% of the amount borrowed, and a term of 24 months.
Score breakdown
| Area | Vivus ES | Youmoney |
|---|---|---|
| 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. | 8.5APR runs 25.28% to 72.19% with a 33.76% commission in the instalment-loan example, so total cost is high. |
| Offer | 8.8 | 9.2HigherCoverage spans personal, payday and debt consolidation, funding is listed as same day funding, and early repayment carries no charge. |
| Trust | 8.9Higher | 8.2 |
Availability and regulation
Available in 1 country for both. Additional countries for Youmoney: 2.
Ranges side by side
| Fact | Vivus ES | Youmoney |
|---|---|---|
| APR | 0% to 3,752.4% | 25.28% to 72.19% |
A third option
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 3,752.4% for Vivus ES and 25.28% to 72.19% for Youmoney.
FINANZCHECK.de reviewWhat we checked
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
Youmoney
- youmoney.pl: 20 facts, checked September 26, 2026
How they place
| Ranking | Vivus ES | Youmoney |
|---|---|---|
| Personal loans | 25 of 1932 | 32 of 1932 |
| Payday and short-term loans | 10 of 246 | 14 of 246 |
Every fact side by side
| Fact | Vivus ES | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| 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 | 2013Lower | 2022 |
| Support channels | Phone, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Vivus ES | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 3,752.4%lowest quarter | 25.28% to 72.19%highest quarter | 8.99 |
| Term | 7 to 30 monthsbelow the median | 24 monthslowest quarter | 60 |
| Origination fee (%) | 0%below the median | 33.76%highest quarter | 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
Pros
- Money can move fast: the stated funding time is minutes with the fastest lenders, usually a few hours, and at the latest by the end of the next business day.
- Early repayment is free, so settling the balance ahead of schedule adds no fee to the bill.
- The offer covers personal, payday and debt consolidation under a single application, which saves shopping lender by lender.
Cons
- The APR runs 25.28% to 72.19%, well above the 10% to 23% band at Monzo Flex, so the cost of access is high.
- The arrangement fee in the instalment-loan representative example is 33.76% of the amount borrowed, charged on top of the interest.
- A hard credit check runs on every application, so a rejected or repeated attempt leaves a full search on your file.
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
Who it suits
- Polish borrowers with an emergency bill or a short gap who need the money within hours rather than days.
- Applicants whose income is not a salary, including self-employed workers, pensioners and anyone on an allowance or alimony.
- Anyone planning to clear a small balance quickly, since early repayment is free and the term is 24 months.
Who should look elsewhere
- Monzo Flex, whose APR of 10% to 23% sits far below 25.28% to 72.19% for anyone who can qualify there.
- Cashspace, which quotes PHP 12 to PHP 36 in a different market, if the rate on paper matters more than the pace.
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
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Vivus ES | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| 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
What APR will I pay on a Youmoney loan?+
The advertised range is 25.28% to 72.19%, and the instalment-loan representative example sits inside that band at a fixed rate. The figure to watch is the total repayable in the example rather than the headline percentage, because the commission charged alongside the interest adds a large share of the amount borrowed.
What fees are charged on top of the interest?+
The listed charge beyond interest is the arrangement fee. In the instalment-loan representative example the commission is 33.76% of the amount borrowed, which is the largest single addition to the bill and the reason the total repayable overshoots the sum you asked for. Compare total repayable figures across quotes, not the rate alone.
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