Updated October 14, 2026 · SumCue Editorial Team
Pezetita vs Vivus
Pezetita
Vivus
Higher score in this comparison
What sets them apart
| Compare | PezetitaReviewVisitVisit | 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 (no loan selection fee charged) | 0 EUR (credit line disbursement fee) |
| Funding time | Money transferred shortly after lender approval, within minutes | 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 | For a 300 EUR loan repaid in 91 days, costs are 0 EUR, total repayable 300 EUR at a 0% APR (TAE) | 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 | Over 18 years old, resident in Spain, DNI or NIE, email and mobile number, proof of income, bank account | 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 | Personal, Payday, Car |
| Credit check | Not confirmed | Hard |
| Free early repayment | Not confirmed | Yes |
| Credit needed | Not confirmed | Good |
| Use cases | Not confirmed | Home improvement |
Same on both: Rate type (Fixed), Origination fee (%) (0%).
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 Pezetita: 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, Phone.
- Features: only Vivus offers Credit line.
- Loan types: only Pezetita offers Debt consolidation.
- Loan types: only Vivus offers Car.
Our verdict on each
Pezetita
Pezetita is a Spanish-language loan comparison service. Its site presents loan offers from partner lenders and says the service does not charge users for selecting an offer. The homepage advertises short-term amounts and repayment periods, while its terms identify Fininity OÜ as the website operator and say the site collects information on partner credit offers....
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 | Pezetita | Vivus |
|---|---|---|
| Cost | 9.7Higher | 9.0APR is 44.5% against Sofkredit's 10.74% to 18.06% and Cashspace's PHP 12 to PHP 36. |
| Offer | 8.6 | 8.9Higher |
| Trust | 8.5 | 9.2Higher |
Licences and countries
| Country | Pezetita | Vivus |
|---|---|---|
| Latvia | Not confirmed |
Additional countries for Pezetita: 1. Additional countries for Vivus: 1.
What each covers
| Loan types | Pezetita | Vivus |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | Yes | No |
| Car | No | Yes |
What we checked
Pezetita
- pezetita.com: 16 facts, checked September 26, 2026
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
How they place
| Ranking | Pezetita | Vivus |
|---|---|---|
| Loans | 20 of 2043 | 29 of 2043 |
| Personal loans | 16 of 1317 | 23 of 1317 |
| Payday and short-term loans | 5 of 233 | 10 of 233 |
Every fact side by side
| Fact | Pezetita | Vivus |
|---|---|---|
| Pricing model | Fixed rate | Fixed rate |
| Features | Same day funding | Same day funding, Credit lineCovers more |
| Legal entity | Fininity OÜ (registry number 14523902, VAT ID EE102112841) | SIA "Credit Solutions" (reg. 40103982111) |
| Headquarters | Estonia | Latvia |
| Founded | Not confirmed | 2008 |
| Support channels | Email, Help centre | Chat, Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | Pezetita | 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
Pezetita
Pros
- The homepage presents a comparison flow for partner loan offers.
- The site says it does not charge a fee for selecting an offer.
- The homepage displays an example repayment period and APR range for users to compare.
Cons
- Partner lenders determine the final rate, fees and eligibility.
- The advertised first-loan example does not guarantee the same offer for each borrower.
- Users should compare the final lender contract and total repayment.
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
Pezetita
Who it suits
- Borrowers in Spain who want to compare partner credit offers through an online service.
Who should look elsewhere
- Borrowers looking for Pezetita itself to provide or approve a loan.
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
Pezetita
Current offer
First period offer
First loan free for new customers: First loan at 0% TAE, 0 EUR cost on a 300 EUR loan over 91 days
New customers only; the interest rate and overpayment amount may change after completing 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 | Pezetita | Vivus |
|---|---|---|
| Latvia | No | Yes |
| Spain | Yes | No |
Questions about each
Pezetita
Does Pezetita lend directly?+
The site’s terms describe a service that presents offers from partner lenders.
Is the first loan free for everyone?+
The homepage advertises an example for new customers, but eligibility and the final lender offer must be confirmed.
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.