Updated September 30, 2026 · SumCue Editorial Team
Finteres vs Vivus
Finteres
Vivus
Higher score in this comparison
Where Finteres and Vivus differ
| Compare | FinteresReviewVisitVisit | VivusReviewVisitVisit |
|---|---|---|
| APR | 0% to 36%Lower | 44.5% |
| Loan amount | €100 to €5,000 | €50 to €10,000Higher |
| Term | 3 to 4 months | 3 to 60 monthsHigher |
| Arrangement fee | 0 EUR | 0 EUR (credit line disbursement fee) |
| Credit check | Soft prequal | Hard |
| Funding time | Immediate transfer on approval, maximum 24-48 hours in exceptional cases | 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 300 EUR repaid in 91 days: costs 0 EUR, total repayable 300 EUR, APR 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 |
| Rate type | Variable | Fixed |
| Lender type | Broker | Direct lender |
| Eligibility | Aged 18 or over, legally resident in Spain, Spanish bank account in own name, stable income, valid DNI or residence permit | 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 |
| Use cases | Not confirmed | Home improvement |
Same on both: Free early repayment (Yes), Origination fee (%) (0%).
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Key differences
- Vivus scores higher overall: 9.1 vs 8.9.
- APR is lower at Finteres: 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 3 to 4 months.
- Support channels: only Vivus offers Chat.
- Pricing model: only Finteres offers No monthly fee.
- Pricing model: only Vivus offers Fixed rate.
- Features: only Vivus offers Credit line.
- Loan types: only Finteres offers Debt consolidation.
Our verdict on each
Finteres
Finteres suits Spanish borrowers who want a broker to find them a small personal or payday loan without an arrangement fee. Its 0% to 36% starts well below the personal loan median of 14.43%, and the published representative example shows a borrowing with no costs added.
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 | Finteres | Vivus |
|---|---|---|
| Cost | 9.5HigherArrangement fee of 0 EUR and a monthly fee of €0, with an 0% to 36% range starting below the 14.43% median. | 9.0APR is 44.5% against Sofkredit's 10.74% to 18.06% and Cashspace's PHP 12 to PHP 36. |
| Offer | 8.8 | 8.9Higher |
| Trust | 8.5 | 9.2Higher |
Positions in our rankings
| Ranking | Finteres | Vivus |
|---|---|---|
| Loans | 32 of 2043 | 29 of 2043 |
| Personal loans | 26 of 1317 | 23 of 1317 |
| Payday and short-term loans | 13 of 233 | 10 of 233 |
Choosing between them
Pick Finteres if cost, apr, and loan types matter most.
Pick Vivus if trust, loan amount, and term matter most.
From lowest to highest
| Fact | Finteres | Vivus |
|---|---|---|
| Loan amount | €100 to €5,000 | €50 to €10,000 |
| Term | 3 to 4 months | 3 to 60 months |
Sources behind this comparison
Finteres
- finteres.es: 19 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Every fact side by side
| Fact | Finteres | Vivus |
|---|---|---|
| Pricing model | No monthly fee | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OÜ | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Email, Phone, Help centre | Chat, Phone, Email, Help centreCovers more |
Savings
| Fact | Finteres | Vivus |
|---|---|---|
| Headline rate | 0% to 36% | Not confirmed |
| Minimum deposit | €100 | Not confirmed |
| Access terms | Free online comparison and pre-application service, available 24 hours a day, 7 days a week, no branches or paperwork | Not confirmed |
| Monthly fee | €0 | Not confirmed |
| Account kind | Fixed | Not confirmed |
Where each stands against the rest
| Fact | Finteres | 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 | 3 to 4 monthslowest quarter | 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
Finteres
Pros
- No arrangement fee, at 0 EUR, and a monthly fee of €0 on the account
- The 0% to 36% range starts below the personal loan median of 14.43%
- The comparison and pre-application service is free, open around the clock, with no branches and no paperwork
Cons
- As a broker it does not lend itself, so the rate you pay inside the 0% to 36% range depends on which partner approves you
- The 3 to 4 window is short, so spreading a debt over a longer term is not on offer
- Eligibility requires legal residence in Spain, a Spanish bank account in your own name, stable income and a valid DNI or residence permit
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
Finteres
Who it suits
- Adults living in Spain who need a payday style loan within €100 to €5,000 to bridge a short gap
- Borrowers with thinner credit, since poor is the level the service is built around
- People who want free early repayment on a fixed rate fixed loan
Who should look elsewhere
- Anyone who needs a large sum, since the top of €100 to €5,000 sits well below the personal loan median of €559
- Borrowers who need a long repayment period, because 3 to 4 is short
- Readers who want a provider that names its own regulator and a deposit protection scheme, and would rather see Cashspace or Sofkredit
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
Finteres
Current offer
First period offer
Primer prestamo sin costo para nuevos usuarios: 0% TAE, cost 0 EUR on a 300 EUR loan repaid in 91 days
New Finteres users only; first loan at 0% APR, site states the figure is indicative and not contractual and 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 | Finteres | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Finteres
What does Finteres charge for arranging a loan?+
The arrangement fee is 0 EUR with no percentage added on top, and the account itself carries a monthly fee of €0. Using the comparison and pre-application service is free. What you do pay is the interest on the loan itself, which sits inside the 0% to 36% range.
How much can I borrow, and for how long?+
The amount runs from €100 to €5,000, so it is aimed at a small shortfall or an unexpected bill rather than a large purchase. The term that comes with it is 3 to 4, which keeps the repayment schedule short. For a bigger sum, compare providers whose range starts higher.
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.