Updated September 30, 2026 · SumCue Editorial Team
Credityes ES vs Vivus
Credityes ES
Vivus
Higher score in this comparison
Credityes ES vs Vivus: the differences
| Compare | Credityes ESReviewVisitVisit | VivusReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 44.5% |
| Loan amount | €100 to €5,000 | €50 to €10,000Higher |
| Term | 2 to 36 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR (free for the customer; the service charges no commission for selecting the loan) | 0 EUR (credit line disbursement fee) |
| Funding time | Money in a few minutes after a positive decision | 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 | Loan of 1000 EUR repaid in 61 days: cost 0 EUR, total repayable 1000 EUR, effective annual rate 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 |
| Lender type | Broker | Direct lender |
| Eligibility | Must reside in Spain and be over 18; needs an email address, mobile number and a bank account (IBAN) in your own name | 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 | Personal, Payday, CarCovers more |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Good |
Same on both: Origination fee (%) (0%), Use cases (Home improvement).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Vivus scores higher overall: 9.1 vs 8.9.
- APR is lower at Credityes ES: 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 36 months.
- Support channels: only Vivus offers Chat, Phone, Help centre.
- Features: only Vivus offers Credit line.
- Loan types: only Vivus offers Car.
Our verdict on each
Credityes ES
Credityes ES suits Spanish residents who want a modest personal loan with no arrangement fee, and Money in a few minutes after a positive decision makes it useful for an urgent bill. The €100 to €5,000 ceiling and email for contact keep it in the small, self-serve corner of the market.
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 | Credityes ES | Vivus |
|---|---|---|
| Cost | 9.7HigherAPR of 0% to 36% is a wide range, so the cost depends on the file; the origination charge is 0%. | 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 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Credityes ES
0 to 3,244.68
0 to 3,244.68
Vivus
4,138.74
4,138.74
Credityes ES comes out 4,138.74 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Side by side, item by item
| Loan types | Credityes ES | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Car | No | Yes |
| Use cases | Credityes ES | Vivus |
|---|---|---|
| Home improvement | Yes | Yes |
Licences and countries
| Country | Credityes ES | Vivus |
|---|---|---|
| Latvia | Not confirmed |
Additional countries for Credityes ES: 1. Additional countries for Vivus: 1.
How they place
| Ranking | Credityes ES | Vivus |
|---|---|---|
| Loans | 13 of 2043 | 29 of 2043 |
| Personal loans | 10 of 1317 | 23 of 1317 |
| Payday and short-term loans | 2 of 233 | 10 of 233 |
Every fact side by side
| Fact | Credityes ES | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | SIA DoAff | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Latvia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Credityes ES | 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 36 monthsbelow the median | 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
Credityes ES
Pros
- The arrangement fee is free for the customer, and the service takes no commission for choosing which loan you get.
- Money moves fast: Money in a few minutes after a positive decision.
- Borrowing for a short bridge or a longer personal loan runs through the same application: personal and payday.
Cons
- Support runs on email only, so a disputed payment has to be settled in writing.
- The expensive end of 0% to 36% sits well above Sofkredit's 10.74% to 18.06%, so a weaker file pays more here.
- Borrowing stops at €100 to €5,000, far short of Creduma ES's from €12,000, so larger work is out of reach.
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
Credityes ES
Who it suits
- Spanish residents with a repair or bill to cover inside €100 to €5,000.
- Borrowers in a hurry, since Money in a few minutes after a positive decision once a decision is positive.
- People who would rather not pay a setup charge, since the arrangement fee is free to the customer.
Who should look elsewhere
- Anyone after a bigger project, who should compare Creduma ES at from €12,000 first.
- Borrowers likely to be quoted near the top of 0% to 36%, since Sofkredit's 10.74% to 18.06% stops lower.
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
Credityes ES
Current offer
First period offer
First loan at 0% TAE (0% interest): TAE 0% on the first loan
First loan only and only from some partner lenders; the site's stated TAE span is 0% to 36%, and the amount and rate can change after the questionnaire
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 | Credityes ES | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Credityes ES
What does it cost to take a loan through Credityes ES?+
The arrangement fee is free for the customer, and the service takes no commission for choosing a loan, so the interest rate is the only charge to unpick. The origination charge is 0%. What moves the bill is APR of 0% to 36%, quoted as a range rather than a single rate, so a weaker file can land near the top of it.
How much can I borrow, and for how long?+
Loan amounts run €100 to €5,000 and terms run 2 to 36, so the product suits sums cleared over a short period rather than long financing. Anything larger than that ceiling, or a term past the longest one, sits outside what this broker will arrange.
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.