Updated September 30, 2026 · BorrowCue Editorial Team
Vivus vs Wannacash ES
What sets them apart
| Compare |  Vivus |  Wannacash ES |
|---|---|---|
| Loan amount | €50 to €10,000Higher | €50 to €900 |
| Term | 3 to 60 monthsHigher | 1 month |
| Arrangement fee | 0 EUR (credit line disbursement fee) | 0 EUR - WannaCash charges the applicant nothing |
| Credit check | Hard | None |
| 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 | Money in the account in under 15 minutes after approval; usually same day as the application |
| Lender type | Direct lender | Broker |
| 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. | Be of legal age, resident in Spain, hold a Spanish bank account and have recurring income; no payroll or guarantor required |
| Loan types | Personal, Payday, Car | Personal, Payday, Credit line, Business, Student, Car, SecuredCovers more |
| Credit needed | Good | Poor |
| APR | 44.5% | Not confirmed |
| 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 | Not confirmed |
| Rate type | Fixed | Not confirmed |
| Free early repayment | Yes | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Use cases | Home improvement | Not confirmed |
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Key differences
- Vivus scores higher overall: 9.0 vs 8.3.
- Loan amount is higher at Vivus: €50 to €10,000 vs €50 to €900.
- Term is higher at Vivus: 3 to 60 months vs 1 month.
- Support channels: only Vivus offers Chat, Help centre.
- Features: only Vivus offers Credit line.
- Loan types: only Wannacash ES offers Credit line, Business, Student.
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.
Wannacash ES
WannaCash suits borrowers in Spain who need a small personal or payday loan the same day and prefer a fee of 0 EUR - WannaCash charges the applicant nothing for the arrangement, though as a broker it passes the rate on from a third party lender.
Score breakdown
| Area | Vivus | Wannacash 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). | Not confirmed |
| Offer | 8.9Higher | 8.3A fee of 0 EUR - WannaCash charges the applicant nothing and a lending range of €50 to €900 make this a small. |
| Trust | 9.1Higher | 8.3 |
Which one suits you
Pick Vivus if offer, trust, loan amount, and term matter most.
Pick Wannacash ES if loan types matter most.
Ranges side by side
| Fact | Vivus | Wannacash ES |
|---|---|---|
| Loan amount | €50 to €10,000 | €50 to €900 |
What each covers
| Loan types | Vivus | Wannacash ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Credit line | No | Yes |
| Secured | No | Yes |
| Car | Yes | Yes |
| Business | No | Yes |
| Student | No | Yes |
If neither fits
Sofkredit has term at 6 to 240 months, against 3 to 60 months for Vivus and 1 month for Wannacash ES.
Sofkredit reviewSources behind this comparison
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Wannacash ES
- wannacash.es: 13 facts, checked September 26, 2026
How they place
| Ranking | Vivus | Wannacash ES |
|---|---|---|
| Personal loans | 24 of 1932 | 23 of 1932 |
| Payday and short-term loans | 9 of 246 | 8 of 246 |
| Car loans | 8 of 431 | 7 of 431 |
Every fact side by side
| Fact | Vivus | Wannacash ES |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | SIA "Credit Solutions" (reg. 40103982111) | 7eBiz International SL |
| Headquarters | Latvia | Spain |
| Founded | 2008 | Not confirmed |
| Support channels | Chat, Phone, Email, Help centreCovers more | Email, Phone |
Where each stands against the rest
| Fact | Vivus | Wannacash ES | Median |
|---|---|---|---|
| APR | 44.5%highest quarter | Not confirmed | 8.99% |
| Loan amount | €50 to €10,000below the median | €50 to €900lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 1 monthlowest quarter | 60 |
| Origination fee (%) | 0%below the median | Not confirmed | 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
Wannacash ES
Pros
- A fee of 0 EUR - WannaCash charges the applicant nothing means the arrangement adds no cost to the borrowing.
- Funding is quick: money lands in the account minutes after approval, usually the same day as the application.
- The credit check is none, and eligibility rests on a Spanish bank account and recurring income, with no payroll or guarantor required.
Cons
- The cap on €50 to €900 sits far below €100 to €5,000 at Cashspace ES, so anyone covering a larger cost needs a different lender.
- The credit needed is poor, which tells you the pricing is aimed at applicants with a weaker credit history rather than the strongest files.
- WannaCash is a broker, so the offer you receive is set by a third party lender rather than by the broker you apply through.
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
Wannacash ES
Who it suits
- Adults in Spain who hold a Spanish bank account, have recurring income and need a small personal or payday loan the same day.
- Borrowers with poor credit who do not want a credit check run against them and want to skip the payroll and guarantor requirements.
- People who would rather deal with one broker that covers personal, payday and credit line than shop a separate lender for each loan type.
Who should look elsewhere
- Anyone borrowing a large sum: €50 to €900 stops well short of €100 to €5,000 at Cashspace ES and £10,000 to £35,000 at Monzo Flex.
- Borrowers who want a personal bank relationship with a wide lending range, since Monzo Flex works from £10,000 to £35,000.
- People who need live chat support, as support runs on email and phone only.
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
Wannacash ES
Current offer
Bonus
First quick loan free of interest and fees: 0% interest and no fees on the first loan
Offer run by the partner lenders selected by Wannacash; complete the application form, not obliged to accept
Source, checked September 26, 2026
Country by country
| Country | Vivus | Wannacash 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.
Wannacash ES
What does WannaCash charge to arrange a loan?+
The fee is 0 EUR - WannaCash charges the applicant nothing, so there is no arrangement charge to pay on top of the loan. What you repay is the amount advanced plus the interest the lender charges. Because WannaCash is a broker, the rate itself comes from a third party lender, so ask for the rate in writing before you accept an offer.
How much can I borrow from WannaCash?+
The lending range is €50 to €900, which is below the typical personal loan amount of €556.48 on the site. In practice this suits smaller, short-term needs rather than a large expense or a consolidation. If you need more, Cashspace ES lends up to €100 to €5,000.
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