Updated September 30, 2026 · BorrowCue Editorial Team
Vivus vs Vivus ES
What sets them apart
| Compare |  Vivus |  Vivus ES |
|---|---|---|
| APR | 44.5% | 0% to 3,752.4%Lower |
| Loan amount | €50 to €10,000Higher | €50 to €1,400 |
| Term | 3 to 60 monthsHigher | 7 to 30 months |
| Arrangement fee | 0 EUR (credit line disbursement fee) | 0 EUR |
| 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 | up to 15 minutes after approval |
| 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 | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Free early repayment | YesHas it | No |
| 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. | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Payday, CarCovers more | Payday, Personal |
| Rate type | Fixed | Not confirmed |
| Credit needed | Good | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Credit check (Hard), Lender type (Direct lender), Origination fee (%) (0%).
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Key differences
- Founded is lower at Vivus: 2008 vs 2013.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 44.5%.
- Free early repayment: only Vivus.
- Loan amount is higher at Vivus: €50 to €10,000 vs €50 to €1,400.
- Term is higher at Vivus: 3 to 60 months vs 7 to 30 months.
- Support channels: only Vivus offers Chat.
- Loan types: only Vivus offers Car.
Our verdict on each
Vivus
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.
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.
Score breakdown
| Area | Vivus | Vivus ES |
|---|---|---|
| Cost | 9.0APR of 44.5% sits far above the site median of 12%, though the credit line disbursement fee is 0 EUR (credit line disbursement fee). | 9.2HigherOrigination fee of 0 EUR on both products, but APR runs to 0% to 3,752.4% and free early repayment is no. |
| Offer | 8.9Higher | 8.8 |
| Trust | 9.1Higher | 8.9 |
What it costs in practice
Borrow a typical amount over a typical term (estimate at the stated APR)
Vivus
263.72
263.72
Vivus ES
0 to 37,024
0 to 37,024
Vivus ES comes out 263.72 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Pick Vivus if, pick Vivus ES if
Pick Vivus if loan amount, term, and free early repayment matter most.
Pick Vivus ES if apr matter most.
How they place
| Ranking | Vivus | Vivus ES |
|---|---|---|
| Personal loans | 24 of 1932 | 25 of 1932 |
| Payday and short-term loans | 9 of 246 | 10 of 246 |
| Lines of credit | 2 of 328 | 3 of 328 |
Every fact side by side
| Fact | Vivus | Vivus ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Same day funding, Credit line |
| Legal entity | SIA "Credit Solutions" (reg. 40103982111) | Vivus Financial Services, S.A.U. |
| Headquarters | Latvia | Spain |
| Founded | 2008Lower | 2013 |
| Support channels | Chat, Phone, Email, Help centreCovers more | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Vivus | Vivus ES | Median |
|---|---|---|---|
| APR | 44.5%highest quarter | 0% to 3,752.4%lowest quarter | 8.99% |
| Loan amount | €50 to €10,000below the median | €50 to €1,400lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 7 to 30 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
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
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
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
Who each suits
Vivus
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
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
Current offers
Vivus
Current offer
Bonus
Cancelled fee for expedited disbursement: 0 EUR (fee for accelerated payout cancelled/waived)
Shown site-wide next to the client profile login; disbursement fee for the credit line is 0 EUR
Source, checked September 26, 2026
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
Country by country
| Country | Vivus | Vivus ES |
|---|---|---|
| Latvia | Yes | No |
| Spain | No | Yes |
Questions about each
Vivus
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.
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.
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