Vivus review

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

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Our verdict

Vivus suits Latvian residents with a good credit file who need money for a home improvement quickly. It is a fast, fixed rate lender with free early repayment, but the headline rate of 44.5% is the price tag that puts it behind cheaper lenders.

Key facts

Best for
Fast fixed rate borrowing for Latvian residents who can clear a small loan early
APR
44.5% (Source, checked September 26, 2026)
Loan amount
€50 to €10,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Arrangement fee
0 EUR (credit line disbursement fee) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Within 5 minutes of approval; same day if the bank is in the instant payment system and the request is before 16:00 on a working day, otherwise next working day (Source, checked September 26, 2026)
Representative example
Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Permanent residents of the Republic of Latvia aged 18-75 with a Latvian personal code, no overdue payments or debts, sufficient regular income, plus a valid mobile number, email and bank account. (Source, checked September 26, 2026)
Origination fee (%)
0% (Source, checked September 26, 2026)
Loan types
Personal, Payday, Car (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
SIA "Credit Solutions" (reg. 40103982111) (Source, checked September 26, 2026)
Headquarters
Latvia (Source, checked September 26, 2026)
Founded
2008 (Source, checked September 26, 2026)
Support channels
Chat, Phone, Email, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
vivus.es

Apps and profiles

Elsewhere
youtube.cominstagram.comfacebook.comdraugiem.lv

Pros and cons

Pros

  • Free early repayment, so a borrower who finishes ahead of schedule is not penalised for it
  • Repayments are fixed under fixed on a fixed rate basis, so the monthly figure holds for the whole term
  • A revolving credit line sits under same day funding and credit line and its percentage fee is 0%, so drawing and repaying the line adds nothing extra
  • Money can move within minutes of approval on the same working day when the receiving bank sits in the instant payment system, and same day funding and credit line lists same day funding
  • Support runs on chat, phone and email, giving phone and live chat alongside email and a help centre

Cons

  • The annual percentage rate of 44.5% sits well above the 12% median across the site and well above 10% to 23% at Monzo Flex
  • A hard credit check with a good credit requirement narrows who gets an offer, and eligibility also rules out anyone with overdue payments or debts
  • The products listed are personal, payday and car, so there is no stated route for consolidating other debts into one payment
  • Terms run 3 to 60, which caps how far a larger project, the stated use under home improvement, can be spread
Vivus

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Scored 9.0 / 10 by BorrowCue.

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Who it suits

  • Latvian residents with a steady income and a good credit file who need a modest sum quickly and can clear it early
  • Borrowers funding a home improvement who want one fixed repayment and a revolving line to draw on as costs build up
  • Readers who value a direct lender relationship and phone support more than the lowest headline rate

Who should look elsewhere

  • Not for anyone shopping on rate alone, since Monzo Flex quotes 10% to 23% against the 44.5% on this lender
  • Not for a like for like price comparison with Cashspace, where PHP 12 to PHP 36 is quoted in another currency
  • Not for applicants with a thin credit record, because a hard check and a good requirement set a firm bar

How it compares on our data

On loan amount this lender ranks 582 of 685 brands, and on the annual percentage rate it ranks 303 of 350. Read the two together, because they tell different stories about who this suits. A deep field position on size means the sums on offer are ordinary rather than outstanding, and a similarly deep position on the rate means the price attached to those sums is not competitive. Nothing here suggests Vivus wins on cost, and the ranking tables point the same way on both measures: this is a lender that competes on putting money in a Latvian bank account fast, not on what the borrowing costs once interest is added.

Who regulates the lender

Vivus is a direct lender, so the borrower signs with the company that issues the loan rather than with a broker or comparison site standing in the middle. The listing names the Patērētāju tiesību aizsardzības centrs (Consumer Rights Protection Centre, Latvia) as the regulator, and the entry carries the registration NK-2025-1. That is a consumer rights registration, so a reader who has a complaint about how a loan was sold or repaid takes it to that named centre, and there is no separate intermediary to approach. Reading the two facts together, the protection on offer is a route to a complaint rather than an extra layer over the lender itself.

The company behind it

The contract is with SIA "Credit Solutions" (reg. 40103982111), a company based in Latvia, and the group dates its lending work to 2008, so the counterparty is a long established local entity rather than an anonymous offshore brand. Support runs on chat, phone and email, which puts live chat and a phone line in front of email and a help centre, useful for a lender that approves and pays out within the same working day. The same company appears under the Patērētāju tiesību aizsardzības centrs (Consumer Rights Protection Centre, Latvia) with the registration NK-2025-1, so the regulator and the lender line up on the register.

How Vivus compares

Where Vivus is available

Available
Latvia
Licence in Latvia
Patērētāju tiesību aizsardzības centrs (Consumer Rights Protection Centre, Latvia) (NK-2025-1), checked September 26, 2026

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

Frequently asked questions

What rate do I pay on a Vivus loan?+

The headline annual percentage rate is 44.5%, and the representative example published for the lender quotes the same figure alongside the interest payment and the total repayable on a short loan. The rate is fixed under fixed, so the figure is set for the whole term rather than adjusted as market rates move.

Are there arrangement or disbursement fees?+

The credit line disbursement fee is 0 EUR (credit line disbursement fee) and the matching percentage fee is 0%, so the line itself carries nothing extra to open or draw. What costs money is the interest, and the representative example sets out a loan rate and an annual percentage rate of 44.5% next to the total repayable.

How much can I borrow and for how long?+

Loan amounts run €50 to €10,000 and terms run 3 to 60, so both a short bridge and a longer planned purchase fit inside the range. The lender offers personal, payday and car, and that is the full product list a Latvian borrower can choose from here rather than a wider menu of purposes.

What credit does Vivus ask for?+

The application runs a hard credit check and the lender states it needs good credit. That is the most thorough kind of check rather than a soft prequalification, and the eligibility rules also rule out anyone with overdue payments or debts, so a thin record seldom reaches an offer.

How fast does the money arrive?+

Funding can happen within minutes of approval, on the same working day when the receiving bank sits in the instant payment system and the request arrives before the daily cut-off, and otherwise by the next working day. The lender lists same day funding and a credit line among its same day funding and credit line.

Can I repay early without a charge?+

Yes, free early repayment is available, so settling the balance ahead of schedule costs nothing. With a fixed rate the saving is whatever interest is still in the schedule, which makes an early payoff worth weighing against an annual percentage rate of 44.5%.

Who regulates the lender and where do complaints go?+

The listing names the Consumer Rights Protection Centre of Latvia as the regulator, with the registration recorded as NK-2025-1. Because the lender is a direct lender, the contract is with the company that issues the loan rather than a broker, and a dispute is taken to that centre.

Who is eligible to apply?+

Applicants have to be adults living permanently in the Republic of Latvia, with a personal code issued there and regular income the lender can see. There must be no late payments or debts on the record, and working contact details plus an open bank account are needed before an application goes anywhere. A hard credit check then decides what is offered, if anything.

Sources

  • vivus.lv checked September 26, 2026

    Backs: APR, Credit check, Credit needed, Eligibility, Features, Free early repayment, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type, Representative example, Support channels, Licences

    “GPL 44.50% (annual percentage rate, GPL) in the representative example for the consumer loan.”

  • vivus.lv/palidziba/ar-kreditlinijas-summas-izsniegsanu-sa... checked September 26, 2026

    Backs: Arrangement fee, Origination fee (%)

    “Kreditlinijas summas izsniegsanas komisija - 0 EUR”

  • vivus.lv/par-mums/par-credit-solutions checked September 26, 2026

    Backs: Founded

    “Uznemums Credit Solutions tika dibinats Latvija 2008. gada.”

  • vivus.lv/paterina-kredits checked September 26, 2026

    Backs: Loan amount, Funding time, Term, Use cases

    “Aiznemties vari no 50 EUR lidz pat 10000 EUR ar terminu no 3 lidz 60 menesiem (consumer loan, Paterina kredits).”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Vivus

Vivus

Fast fixed rate borrowing for Latvian residents who can clear a small loan early

9.0/10Visit

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