Updated September 30, 2026 · SumCue Editorial Team
Andacredito vs Vivus
Andacredito
Vivus
Higher score in this comparison
What sets them apart
| Compare | AndacreditoReviewVisitVisit | VivusReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 44.5% |
| Loan amount | €100 to €5,000 | €50 to €10,000Higher |
| Term | 2 to 3 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 EUR (credit line disbursement fee) |
| Funding time | 10 minutes | 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 |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | Borrowing 300 EUR for 3 months: interest payment 18.87 EUR, loan rate 37.37%, APR (GPL) 44.50%, total repayable 318.87 EUR |
| Rate type | Variable | Fixed |
| Lender type | Broker | Direct lender |
| Eligibility | 18 or older, bank account in Spain, ability to repay | 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. |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Personal, Payday, Car |
| Credit needed | Poor | Good |
| Credit check | Not confirmed | Hard |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes), Origination fee (%) (0%).
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Key differences
- Vivus scores higher overall: 9.1 vs 8.8.
- APR is lower at Andacredito: 0% to 36% vs 44.5%.
- Loan amount is higher at Vivus: €50 to €10,000 vs €100 to €5,000.
- Term is higher at Vivus: 3 to 60 months vs 2 to 3 months.
- Support channels: only Vivus offers Chat, Phone, Help centre.
- Features: only Vivus offers Credit line.
- Loan types: only Andacredito offers Business, Student, Debt consolidation.
Our verdict on each
Andacredito
Andacredito suits borrowers in Spain who need a small sum quickly and can manage a short repayment window. The broker charges an arrangement fee of 0 EUR and quotes APR of 0% to 36%, with a representative example at 0% to 36% and free early repayment.
Vivus
Vivus suits Latvian residents with a regular income who want a small loan paid out the same day and will clear the balance early. The headline rate is the weak point, with APR of 44.5% against Sofkredit's 10.74% to 18.06%, and the deal works because you borrow from the lender rather than a broker.
Score breakdown
| Area | Andacredito | Vivus |
|---|---|---|
| Cost | 9.5HigherArrangement fee of 0 EUR and 0%, APR of 0% to 36%, free early repayment. | 9.0APR is 44.5% against Sofkredit's 10.74% to 18.06% and Cashspace's PHP 12 to PHP 36. |
| Offer | 8.4 | 8.9Higher |
| Trust | 8.5 | 9.2Higher |
Ranges side by side
| Fact | Andacredito | Vivus |
|---|---|---|
| Loan amount | €100 to €5,000 | €50 to €10,000 |
| Term | 2 to 3 months | 3 to 60 months |
Licences and countries
| Country | Andacredito | Vivus |
|---|---|---|
| Latvia | Not confirmed |
Additional countries for Andacredito: 1. Additional countries for Vivus: 1.
Which one suits you
Pick Andacredito if cost, apr, and loan types matter most.
Pick Vivus if offer, trust, loan amount, and term matter most.
What we checked
Andacredito
- andacredito.es: 17 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
How they place
| Ranking | Andacredito | Vivus |
|---|---|---|
| Loans | 18 of 2043 | 29 of 2043 |
| Personal loans | 14 of 1317 | 23 of 1317 |
| Payday and short-term loans | 4 of 233 | 10 of 233 |
Every fact side by side
| Fact | Andacredito | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OU | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Vivus | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 44.5%highest quarter | 9.99 |
| Loan amount | €100 to €5,000below the median | €50 to €10,000below the median | €40,000 |
| Term | 2 to 3 monthslowest quarter | 3 to 60 monthsat the median | 60 |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Andacredito
Pros
- Arrangement fees of 0 EUR and 0% keep the cost of taking out a loan low
- Free early repayment means a clear exit without a charge for settling early
- The representative example shows a small loan with no cost added to what is borrowed
Cons
- Terms run only 2 to 3, far shorter than the 36 seen across the market
- The top of the rate range, 0% to 36%, sits close to the 27.8% typical of payday style lending
- Support runs on email only, so help is written rather than spoken
Vivus
Pros
- Funding time is within a few minutes of approval, and the same day when your bank sits in the instant payment system and the request comes before the cut-off on a working day.
- Free early repayment is listed, so clearing the balance before the end of the term adds no exit charge.
- The rate is fixed for the whole term, so nothing in the schedule shifts halfway through the agreement.
Cons
- APR of 44.5% is far above Sofkredit's 10.74% to 18.06% and Cashspace's PHP 12 to PHP 36, so this sits at the expensive end of the list.
- The credit check is hard against a credit needed of good, so a thin file is a real obstacle.
- Applicants must be living permanently in the Republic of Latvia, hold a personal code issued there and be clear of overdue payments, which puts anyone based outside the country out of scope.
Who each suits
Andacredito
Who it suits
- Adults with a bank account in Spain who meet the 18 or older, bank account in Spain, ability to repay rules
- Borrowers with poor credit who want a quick small sum
- People who can clear a short 2 to 3 term from one payment cycle
Who should look elsewhere
- Anyone needing a long repayment period, since the ceiling is 2 to 3 against the from €12,000 floor at Creduma ES
- Borrowers who want a long term loan at a fixed style rate, where Sofkredit quotes 10.74% to 18.06%
- People who prefer to speak to support, as Andacredito offers email only
Vivus
Who it suits
- Latvian residents with steady regular income who need a small sum the same day for a repair or an unexpected bill.
- Borrowers who will clear the balance early and want no exit charge for doing it.
- People who want a short commitment and a rate that does not move during the term.
Who should look elsewhere
- Anyone shopping purely on price, since Sofkredit's APR of 10.74% to 18.06% is a fraction of 44.5%.
- Borrowers outside the Republic of Latvia, since applicants must be permanent residents holding a personal code issued there.
- Anyone chasing a large sum, since Creduma ES starts at from €12,000 while the ceiling here is €50 to €10,000.
Current offers
Andacredito
Current offer
Bonus
Primer prestamo gratis sin intereses (0% TAE) for new customers: 0% TAE, 0 EUR cost on the first loan
New customers of the minicredito rapido (repayment 61-90 days); the amount and rate are set after completing the questionnaire and depend on the lender chosen
Source, checked September 26, 2026
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
Country by country
| Country | Andacredito | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Andacredito
What does Andacredito charge to set up a loan?+
The arrangement fee is 0 EUR and the percentage fee is 0%, so there is no separate charge for arranging the loan. The rate quoted is 0% to 36%, and it is a variable rate, so the figure can change. Early repayment carries no charge either.
Is early repayment free on Andacredito loans?+
Yes, early repayment is free. That matters most on the short 2 to 3 terms the brand offers, because a borrower who clears the balance sooner pays nothing extra for doing so. Many lenders on the site charge for settling early, so this is a point in favour.
Vivus
What rate will I pay on a Vivus loan?+
The headline APR is 44.5%, and the rate is fixed for the whole term, so the figure you are quoted does not move during the agreement. The representative example Vivus publishes shows a small euro loan over a few months where the interest charge adds a clear amount to the total repayable. Here the rate, not the fees, is what costs you most.
Does Vivus charge origination or arrangement fees?+
The disbursement fee on the credit line is 0 EUR (credit line disbursement fee), and the percentage charged for drawing it is 0%. Fees add little to what you repay, so a high headline rate next to a short fee list should be read as a rate story, not a cheap one. Check the interest figure first, then the fees.