Updated September 29, 2026 · SumCue Editorial Team
CreditoZen vs Vivus ES
CreditoZen
Vivus ES
Higher score in this comparison
CreditoZen vs Vivus ES: the differences
| Compare | CreditoZenReviewVisitVisit | Vivus ESReviewVisitVisit |
|---|---|---|
| Loan amount | €100 to €2,000Higher | €50 to €1,400 |
| Term | 3 months | 7 to 30 monthsHigher |
| Arrangement fee | 0 EUR (no hidden fees) | 0 EUR |
| Funding time | under 24 business hours | up to 15 minutes after approval |
| Lender type | Broker | Direct lender |
| Eligibility | Over 18, resident in Spain, valid DNI/NIE and a Spanish bank account | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| APR | Not confirmed | 0% to 3,752.4% |
| Representative example | Not confirmed | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Free early repayment | Not confirmed | No |
Same on both: Credit check (Hard), Origination fee (%) (0%), Loan types (Payday, Personal).
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Key differences
- Vivus ES scores higher overall: 9.1 vs 8.9.
- Loan amount is higher at CreditoZen: €100 to €2,000 vs €50 to €1,400.
- Term is higher at Vivus ES: 7 to 30 months vs 3 months.
- Support channels: only Vivus ES offers Phone.
Our verdict on each
CreditoZen
CreditoZen suits adults in Spain who need a short-term loan with no setup cost, since the origination fee is 0 EUR (no hidden fees). The trade-off is size and pace: €100 to €2,000 over 3, a hard credit check and under 24 business hours to pay out.
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 | CreditoZen | Vivus ES |
|---|---|---|
| Cost | 9.5HigherThe origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, with no setup charge on either product type. | 9.2Arrangement fees are 0 EUR and 0%, while the representative example carries an APR of 0% to 3,752.4%. |
| Offer | 8.6Amounts run €100 to €2,000 over a 3 term, a narrow range beside the from €12,000 and €12,000 to €300,000 of bigger lenders. | 8.9Higher |
| Trust | 8.5 | 9.0Higher |
Licences and countries
Available in 1 country for both.
Sources behind this comparison
CreditoZen
- creditozen.es: 12 facts, checked September 26, 2026
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
How they place
| Ranking | CreditoZen | Vivus ES |
|---|---|---|
| Loans | 11 of 2043 | 28 of 2043 |
| Personal loans | 8 of 1317 | 22 of 1317 |
| Payday and short-term loans | 1 of 233 | 9 of 233 |
Every fact side by side
| Fact | CreditoZen | Vivus ES |
|---|---|---|
| Features | Not confirmed | Same day funding, Credit line |
| Legal entity | Ban kos Technology OÜ | 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 | CreditoZen | Vivus ES | Median |
|---|---|---|---|
| APR | Not confirmed | 0% to 3,752.4%lowest quarter | 9.99 |
| Loan amount | €100 to €2,000lowest quarter | €50 to €1,400lowest quarter | €40,000 |
| Term | 3 monthslowest quarter | 7 to 30 monthsbelow the median | 60 months |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
CreditoZen
Pros
- The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so setting up the loan costs nothing on either product.
- Both payday and personal products sit inside €100 to €2,000, so a single application covers a payday loan and a personal loan.
- Payout runs under 24 business hours, short enough to cover a bill inside the working week.
Cons
- Support runs on email and help centre, with no phone line or live chat in that list.
- The term is 3 against a site median of 36, so repayments sit in a compressed window.
- The credit check is hard, and hard checks account for 76.1% of the borrowing group, so a full file decision stands in the way.
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
CreditoZen
Who it suits
- Adults in Spain covering a short gap, since €100 to €2,000 over 3 suits an urgent bill rather than the larger sums Sofkredit arranges at €12,000 to €300,000.
- Borrowers who want a known entry cost, since the origination fee is 0 EUR (no hidden fees) and the sum sought is small next to the from €12,000 at Creduma ES.
- Applicants who accept a hard credit check and prefer a Spanish-resident application rather than a brand working off PHP 500 to PHP 25,000 like Cashspace.
Who should look elsewhere
- Anyone consolidating debt or financing something large, since the €100 to €2,000 range stops well short of the from €12,000 at Creduma ES and the €12,000 to €300,000 at Sofkredit.
- Borrowers who want to talk to someone on the phone, because support runs on email and help centre only.
- Readers who want a lender in another market, since Cashspace works off PHP 500 to PHP 25,000 rather than the €100 to €2,000 offered to Spanish residents.
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
CreditoZen
Current offer
Bonus
Préstamo rápido al 0% de interés: 0% interest, loans up to EUR 2000
Approval and final terms depend on the selected lender
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 | CreditoZen | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
CreditoZen
What does it cost to arrange a loan with CreditoZen?+
The origination fee is 0 EUR (no hidden fees) and the percentage fee is 0%, so nothing is added for setting up either product. Both product types, payday and personal, carry that same setup cost. Interest and repayment come from the partner that takes the application, since CreditoZen is a broker rather than the lender itself.
How much can I borrow and how long do I have to repay?+
Amounts run €100 to €2,000 and the term is 3, so the product is built for a small bridge rather than a large purchase. The products listed are payday and personal, both inside that range. The balance is spread across 3, so the schedule is short and the account closes quickly once it clears.
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.