Updated September 28, 2026 · SumCue Editorial Team
Credigenio ES vs Vivus ES
Credigenio ES
Vivus ES
Higher score in this comparison
Credigenio ES vs Vivus ES: the differences
| Compare | Credigenio ESReviewVisitVisit | Vivus ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 317% | 0% to 3,752.4% |
| Loan amount | €50 to €5,000Higher | €50 to €1,400 |
| Term | 3 to 4 months | 7 to 30 monthsHigher |
| Arrangement fee | 0 EUR - no application, opening or management fee | 0 EUR |
| Funding time | Same day - money can be in your account today | up to 15 minutes after approval |
| Representative example | 300 EUR loan over 91 days: cost 62.40 EUR, total repayable 362.40 EUR, APR 113.39% | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Marketplace | Direct lender |
| Free early repayment | YesHas it | No |
| Eligibility | 18 or older, resident in Spain, valid Spanish DNI or NIE, mobile and email, own bank account at a Spanish bank, demonstrable income; no guarantor or payroll required | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Credit check | Not confirmed | Hard |
| Origination fee (%) | Not confirmed | 0% |
| Credit needed | Fair | Not confirmed |
Same on both: Loan types (Personal, Payday).
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Key differences
- Vivus ES scores higher overall: 9.1 vs 8.7.
- Free early repayment: only Credigenio ES.
- Loan amount is higher at Credigenio ES: €50 to €5,000 vs €50 to €1,400.
- Term is higher at Vivus ES: 7 to 30 months vs 3 to 4 months.
- Support channels: only Vivus ES offers Phone.
- Features: only Vivus ES offers Credit line.
Our verdict on each
Credigenio ES
Credigenio ES suits borrowers in Spain who need a small amount quickly and can clear it fast. The offer runs from €50 to €5,000 over 3 to 4 at an APR of 0% to 317%, with 0 EUR - no application, opening or management fee. The rate is the part to read twice before applying.
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 | Credigenio ES | Vivus ES |
|---|---|---|
| Cost | 9.5Higher | 9.2Arrangement fees are 0 EUR and 0%, while the representative example carries an APR of 0% to 3,752.4%. |
| Offer | 8.5Loans of €50 to €5,000 over 3 to 4 at an APR of 0% to 317%. | 8.9Higher |
| Trust | 8.1 | 9.0Higher |
Ranges side by side
| Fact | Credigenio ES | Vivus ES |
|---|---|---|
| APR | 0% to 317% | 0% to 3,752.4% |
| Loan amount | €50 to €5,000 | €50 to €1,400 |
| Term | 3 to 4 months | 7 to 30 months |
Where each is licensed and available
Available in 1 country for both.
How they place
| Ranking | Credigenio ES | Vivus ES |
|---|---|---|
| Loans | 15 of 2043 | 28 of 2043 |
| Personal loans | 12 of 1317 | 22 of 1317 |
| Payday and short-term loans | 3 of 233 | 9 of 233 |
Every fact side by side
| Fact | Credigenio ES | Vivus ES |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Adwells Group OÜ (registration number 17379392) | Vivus Financial Services, S.A.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Email, Help centre | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credigenio ES | Vivus ES | Median |
|---|---|---|---|
| APR | 0% to 317%lowest quarter | 0% to 3,752.4%lowest quarter | 9.99 |
| Loan amount | €50 to €5,000below the median | €50 to €1,400lowest quarter | €40,000 |
| Term | 3 to 4 monthslowest quarter | 7 to 30 monthsbelow the median | 60 |
| Origination fee (%) | Not confirmed | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
Credigenio ES
Pros
- No application, opening or management charge: 0 EUR - no application, opening or management fee.
- Money can arrive the same day you apply: Same day - money can be in your account today.
- Free early repayment, so clearing the balance early costs nothing extra.
Cons
- The APR range of 0% to 317% puts the cost far above a typical personal loan rate of 15.5%.
- Support runs on email and help centre only, with no phone line or live chat.
- Terms of 3 to 4 leave little room to spread a larger bill over a longer period.
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
Credigenio ES
Who it suits
- Borrowers living in Spain with a Spanish bank account and demonstrable income who need cash the same day.
- People who can clear the balance well inside 3 to 4 and want to pay nothing for settling early.
- Anyone who treats a no-fee application as the priority, since 0 EUR - no application, opening or management fee rules out setup charges.
Who should look elsewhere
- Anyone wanting a large sum: €50 to €5,000 is far below from €12,000.
- Borrowers who compare rate first, because the APR of 0% to 317% sits above the 36.5% typical of payday loans.
- People who want to talk to someone on the phone, since support runs on email and help centre only, or who would rather use a lender such as Sofkredit with an APR of 10.74% to 18.06%.
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
Credigenio ES
Current offer
First period offer
Primer prestamo al 0% TAE: 0% TAE, you repay exactly the amount you receive
New users only, no active previous loan at CrediGenio, meet basic requirements (age, residence in Spain, DNI/NIE, bank account, demonstrable income), repay within the agreed 91-120 day term, typical amounts 50-300 EUR, subject to the lenders' terms and the current welcome promotion
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 | Credigenio ES | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Credigenio ES
How much does a loan from Credigenio ES cost?+
There is no application, opening or management charge, since 0 EUR - no application, opening or management fee applies. All of the cost sits in the interest, with the APR running from 0% to 317%. The representative example puts the total repayable figure well above the amount borrowed, so the added cost is the price of the loan.
What is the fastest I can get money from Credigenio ES?+
Funding time is Same day - money can be in your account today, which is the main appeal of the service. The same day speed applies to approved applications, so if you need cash for a same day payment this is one of the few routes to it. You will need your own account at a Spanish bank for the transfer to land.
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.