Updated September 28, 2026 · SumCue Editorial Team
Andacredito vs Vivus ES
Andacredito
Vivus ES
Higher score in this comparison
Where Andacredito and Vivus ES differ
| Compare | AndacreditoReviewVisitVisit | Vivus ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 36% | 0% to 3,752.4% |
| Loan amount | €100 to €5,000Higher | €50 to €1,400 |
| Term | 2 to 3 months | 7 to 30 monthsHigher |
| Funding time | 10 minutes | up to 15 minutes after approval |
| Representative example | 300 EUR loan repaid over 67 days: cost 0 EUR, total repayable 300 EUR, APR 0% | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Broker | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, bank account in Spain, ability to repay | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Payday, Car, Business, Student, Debt consolidationCovers more | Payday, Personal |
| Credit check | Not confirmed | Hard |
| Rate type | Variable | Not confirmed |
| Credit needed | Poor | Not confirmed |
Same on both: Arrangement fee (0 EUR), Origination fee (%) (0%).
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Key differences
- Vivus ES scores higher overall: 9.1 vs 8.8.
- Free early repayment: only Andacredito.
- Loan amount is higher at Andacredito: €100 to €5,000 vs €50 to €1,400.
- Term is higher at Vivus ES: 7 to 30 months vs 2 to 3 months.
- Support channels: only Vivus ES offers Phone, Help centre.
- Features: only Vivus ES offers Credit line.
- Loan types: only Andacredito offers Car, Business, Student.
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 ES
Vivus ES is a Spanish direct lender aimed at short bridging advances, not long personal loans. It suits borrowers who need a small sum quickly and pay no arrangement fee, but the headline cost of 0% to 3,752.4% sits at the steep end, and early repayment is not free.
Score breakdown
| Area | Andacredito | Vivus ES |
|---|---|---|
| Cost | 9.5HigherArrangement fee of 0 EUR and 0%, APR of 0% to 36%, free early repayment. | 9.2Arrangement fees are 0 EUR and 0%, while the representative example carries an APR of 0% to 3,752.4%. |
| Offer | 8.4 | 8.9Higher |
| Trust | 8.5 | 9.0Higher |
Where they rank in our lists
| Ranking | Andacredito | Vivus ES |
|---|---|---|
| Loans | 18 of 2043 | 28 of 2043 |
| Personal loans | 14 of 1317 | 22 of 1317 |
| Payday and short-term loans | 4 of 233 | 9 of 233 |
Every fact side by side
| Fact | Andacredito | Vivus ES |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OU | Vivus Financial Services, S.A.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Andacredito | Vivus ES | Median |
|---|---|---|---|
| APR | 0% to 36%lowest quarter | 0% to 3,752.4%lowest quarter | 9.99 |
| Loan amount | €100 to €5,000below the median | €50 to €1,400lowest quarter | €40,000 |
| Term | 2 to 3 monthslowest quarter | 7 to 30 monthsbelow 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 ES
Pros
- No arrangement fee on either product: 0 EUR and 0%.
- Fast disbursement of up to 15 minutes after approval, one of the quicker patterns in the payday set.
- Lends directly rather than brokering, so direct lender and the contract sit with one entity.
Cons
- The cost of the money is the weak point: an APR of 0% to 3,752.4% against a payday median of 36.5%.
- Free early repayment is not offered, so settling a loan early does not cut the interest bill.
- The credit check is hard, which can leave a trace that other lenders see.
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 ES
Who it suits
- Adults in Spain with a Spanish bank account and a clean record of payments and debts.
- Borrowers who can clear a small advance from a single month's income.
- People who value a fast transfer over a low headline percentage.
Who should look elsewhere
- Anyone wanting to borrow a large sum, since Creduma ES starts at from €12,000.
- Borrowers shopping for the cheapest rate, given Sofkredit quotes 10.74% to 18.06%.
- Readers who want a longer repayment period or free early settlement, which Sofkredit's longer terms sit beyond the 7 to 30 window here.
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 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 | Andacredito | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
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 ES
What does a loan from Vivus ES cost?+
The representative example takes a small advance and repays it over a single month, showing an APR of 0% to 3,752.4% with interest added to the amount borrowed. The arrangement fee is 0 EUR and the percentage component is 0%, so the cost sits in the interest rather than in upfront charges.
Is there an arrangement or origination fee?+
There is not. The arrangement fee is 0 EUR and the percentage element is 0%, both nil. The same-day funding and the credit line carry no separate fee either, which is a real difference against many payday lenders that add a handling charge to a short term.