Updated September 30, 2026 · SumCue Editorial Team
Finipay vs Vivus
Finipay
Vivus
Higher score in this comparison
Where Finipay and Vivus differ
| Compare | FinipayReviewVisitVisit | VivusReviewVisitVisit |
|---|---|---|
| APR | 0% to 212%Lower | 44.5% |
| Loan amount | €300 to €5,000 | €50 to €10,000Higher |
| Arrangement fee | 0 EUR | 0 EUR (credit line disbursement fee) |
| Funding time | Under 24 hours | 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 | Personal loan of 1,000 EUR repaid in 12 monthly instalments: 342.22 EUR in costs, 1,342.22 EUR total repayable, APR 81% | 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 | Resident of Spain, aged 18 to 80, with DNI/NIE, Spanish bank account held in own name, mobile phone and email | 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, Debt consolidation, CarCovers more | Personal, Payday, Car |
| Credit needed | Poor | Good |
| Credit check | Not confirmed | Hard |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
Same on both: Term (3 to 60 months), 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 9.0.
- APR is lower at Finipay: 0% to 212% vs 44.5%.
- Loan amount is higher at Vivus: €50 to €10,000 vs €300 to €5,000.
- Support channels: only Vivus offers Chat.
- Features: only Vivus offers Credit line.
- Loan types: only Finipay offers Debt consolidation.
Our verdict on each
Finipay
Finipay suits Spanish residents with poor credit who need a small personal loan, with amounts from €300 to €5,000 and funding Under 24 hours. It is a broker rather than a lender: nothing is charged to open the loan, but the rate it quotes is the number to weigh against cheaper Spanish lenders.
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 | Finipay | Vivus |
|---|---|---|
| Cost | 9.7HigherAPR runs 0% to 212% and the representative example leaves the total repayable well above the amount borrowed. | 9.0APR is 44.5% against Sofkredit's 10.74% to 18.06% and Cashspace's PHP 12 to PHP 36. |
| Offer | 8.9 | 8.9 |
| Trust | 8.5 | 9.2Higher |
What each covers
| Loan types | Finipay | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | Yes | Yes |
| Use cases | Finipay | Vivus |
|---|---|---|
| Home improvement | Yes | Yes |
Positions in our rankings
| Ranking | Finipay | Vivus |
|---|---|---|
| Loans | 22 of 2043 | 29 of 2043 |
| Personal loans | 18 of 1317 | 23 of 1317 |
| Payday and short-term loans | 7 of 233 | 10 of 233 |
The bill, worked out
Borrow a typical amount over a typical term (estimate at the stated APR)
Finipay
0 to 26,891.23
0 to 26,891.23
Vivus
4,138.74
4,138.74
Finipay 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.
Sources behind this comparison
Finipay
- finipay.es: 16 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Every fact side by side
| Fact | Finipay | Vivus |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Finceptiv OU | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Phone, Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Finipay | Vivus | Median |
|---|---|---|---|
| APR | 0% to 212%lowest quarter | 44.5%highest quarter | 9.99 |
| Loan amount | €300 to €5,000below the median | €50 to €10,000below the median | €40,000 |
| Term | 3 to 60 monthsat 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
Finipay
Pros
- The origination fee is 0 EUR with 0% charged as a percentage, so no entry cost comes off the amount you borrow.
- Money reaches your account Under 24 hours, so a bill or an emergency does not wait on a long assessment.
- The credit needed is poor, so a thin file does not rule you out on paper.
Cons
- The rate is the weak spot: 0% to 212% runs well past the 10.74% to 18.06% that Sofkredit quotes in Spain.
- Finipay is a broker, so the final rate, the contract and the repayment terms sit with whichever partner lender accepts your application.
- Borrowing is capped: €300 to €5,000 and terms of 3 to 60 put anything larger out of reach, where Creduma ES starts at from €12,000.
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
Finipay
Who it suits
- Adults who are residents of Spain with a DNI or NIE and a Spanish bank account held in their own name, who can show a mobile number and email.
- Borrowers with a poor credit file who need cash in a hurry and cannot wait for a mainstream bank's assessment.
- People who want personal, payday, debt consolidation or car borrowing arranged in one application and who will not be charged to open it.
Who should look elsewhere
- Anyone chasing a low, predictable rate: Sofkredit quotes 10.74% to 18.06% against Finipay's 0% to 212%.
- Anyone borrowing a larger sum, since Creduma ES starts at from €12,000, well above €300 to €5,000.
- Anyone who prices options across currencies: Cashspace quotes PHP 12 to PHP 36, so the two ranges are not like for like.
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
Finipay
Current offer
First period offer
First 300 EUR loan with no commission, repayable in 70 days: 300 EUR at 0% commission, 70 days
Apply through the online application form on finipay.es; resident of Spain aged 18-80 with DNI/NIE and Spanish bank account
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 | Finipay | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Finipay
What rate will I pay on a Finipay loan?+
Finipay quotes 0% to 212% across the loans it brokers, which is a wide band rather than a single rate. The rate you pay is set by whichever partner lender accepts your application, so treat the top of that range as a realistic worst case. The published example is the clearest guide to what borrowing actually costs.
Is there a fee to open the loan?+
The origination fee is 0 EUR, with 0% charged as a percentage, so no entry cost is deducted from the amount you borrow. Cost still comes through the rate, not the opening charge, which is why 0% to 212% matters more here than the fee line.
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.