Updated October 18, 2026 · SumCue Editorial Team
Fidea vs Vivus ES
Fidea
Vivus ES
Higher score in this comparison
Where Fidea and Vivus ES differ
| Compare | FideaReviewVisitVisit | Vivus ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 212% | 0% to 3,752.4% |
| Loan amount | €500 to €60,000Higher | €50 to €1,400 |
| Term | 3 to 60 monthsHigher | 7 to 30 months |
| Funding time | A few hours after approval | up to 15 minutes after approval |
| Representative example | 1,000 EUR over 12 monthly instalments: cost 342.22 EUR, total repayable 1,342.22 EUR, APR 81% | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% |
| Lender type | Broker | Direct lender |
| Eligibility | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account, mobile number and email | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts |
| Loan types | Personal, Payday, Debt consolidationCovers more | Payday, Personal |
| Free early repayment | Not confirmed | No |
| Credit needed | Poor | Not confirmed |
| Use cases | Home improvement | Not confirmed |
Same on both: Arrangement fee (0 EUR), Credit check (Hard), Origination fee (%) (0%).
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Key differences
- Vivus ES scores higher overall: 9.1 vs 9.0.
- Loan amount is higher at Fidea: €500 to €60,000 vs €50 to €1,400.
- Term is higher at Fidea: 3 to 60 months vs 7 to 30 months.
- Features: only Vivus ES offers Credit line.
- Loan types: only Fidea offers Debt consolidation.
Our verdict on each
Fidea
Fidea is a Spanish broker for personal, payday and debt consolidation loans, built for residents of Spain with poor credit. It can pay out A few hours after approval, which suits people who need money today rather than the cheapest rate on the market.
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 | Fidea | Vivus ES |
|---|---|---|
| Cost | 9.7HigherArrangement fees are 0 EUR and 0%, while the rate band 0% to 212% runs above the 36.5% payday median on the site. | 9.2Arrangement fees are 0 EUR and 0%, while the representative example carries an APR of 0% to 3,752.4%. |
| Offer | 9.0Higher | 8.9 |
| Trust | 8.5 | 9.0Higher |
Side by side, item by item
| Loan types | Fidea | Vivus ES |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
Choosing between them
Pick Fidea if cost, loan amount, term, and loan types matter most.
Pick Vivus ES if trust matter most.
A third option
Sofkredit has loan amount at €12,000 to €300,000, against €500 to €60,000 for Fidea and €50 to €1,400 for Vivus ES.
Sofkredit reviewHow they place
| Ranking | Fidea | Vivus ES |
|---|---|---|
| Loans | 21 of 2043 | 28 of 2043 |
| Personal loans | 17 of 1317 | 22 of 1317 |
| Payday and short-term loans | 6 of 233 | 9 of 233 |
Every fact side by side
| Fact | Fidea | Vivus ES |
|---|---|---|
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Finceptiv OU (reg. 14563072) | Vivus Financial Services, S.A.U. |
| Headquarters | Estonia | Spain |
| Founded | Not confirmed | 2013 |
| Support channels | Phone, Email, Help centre | Phone, Email, Help centre |
Where each stands against the rest
| Fact | Fidea | Vivus ES | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 0% to 3,752.4%lowest quarter | 9.99 |
| Loan amount | €500 to €60,000above the median | €50 to €1,400lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 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
Fidea
Pros
- Nothing to pay for introduction: the arrangement fee is 0 EUR and 0% on personal, payday and debt consolidation loans.
- Speed is the point here, with money landing A few hours after approval after a lender approves.
- Amounts run €500 to €60,000, wide enough for a short-term gap or a home improvement project.
Cons
- Rates are the catch, with 0% to 212% running far above the 36.5% median for payday loans on the site.
- As a broker, Fidea does not set the final price, so the rate you pay is decided by the lender who accepts you.
- Sofkredit's 10.74% to 18.06% is a narrow, low band beside Fidea's 0% to 212%, so cheaper credit sits elsewhere in the same market.
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
Fidea
Who it suits
- Adults living in Spain with a DNI or NIE, a Spanish bank account, a mobile number and an email address, and a poor credit history.
- Borrowers who need cash the same day rather than a week of bank processing, since funding is A few hours after approval.
- People consolidating several balances into a single monthly payment, as personal, payday and debt consolidation includes debt consolidation.
Who should look elsewhere
- Shoppers chasing the lowest rate, since Sofkredit's 10.74% to 18.06% sits well below Fidea's 0% to 212%.
- Large-ticket borrowers, because Creduma ES works from from €12,000, above the sums most Fidea applicants need.
- Applicants outside Spain, since Cashspace quotes PHP 12 to PHP 36 in a different currency market and Fidea serves residents of Spain.
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
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 | Fidea | Vivus ES |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Fidea
What does Fidea charge to arrange a loan?+
Fidea lists an arrangement fee of 0 EUR and 0% on the loans it brokers, so nothing is taken simply for introducing you. Borrowing cost appears in the rate instead, which runs 0% to 212% across personal, payday and debt consolidation loans. Compare the total repayable figure, not just the headline.
What does the representative example show about the cost?+
The published example takes a small advance and repays it in monthly instalments, with a borrowing cost that lifts the total repayable well above the amount handed over. That gap is the number to weigh. Treat the example as the floor for what borrowing costs, since 0% to 212% stretches a long way higher.
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.