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Vivus review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
Fast small borrowing in Latvia, for borrowers who will repay early.
APR
44.5%↗
Loan amount
€50 to €10,000↗
Term
3 to 60 months↗
Arrangement fee
0 EUR (credit line disbursement fee)↗
Credit check
Hard↗
Funding time
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
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
Fixed↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
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.↗
Origination fee (%)
0%↗
Loan types
Personal, Payday, Car↗
Credit needed
Good↗
Use cases
Home-improvement↗
Legal entity
SIA "Credit Solutions" (reg. 40103982111)↗
Headquarters
Latvia↗
Founded
2008↗
Support channels
Chat, Phone, Email, Help-centre↗
Pricing model
Fixed rate
Features
Same-day funding, Credit line
Official website
vivus.es

Facts checked September 26, 2026, 4 sources

Apps and profiles

Elsewhere
youtube.cominstagram.comfacebook.comdraugiem.lv

Pros and cons

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.
  • Support runs on chat, phone and email, so you can reach a person by phone or chat as well as by email.
  • Loan amounts run €50 to €10,000 and terms run 3 to 60, which covers a small short bridge and a longer repayment.

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.
  • The cap on €50 to €10,000 is modest, and the listed purpose, home improvement, points at repair work rather than a large purchase.
Vivus

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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.

Application and funding speed

Speed is the draw here. 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 in before the cut-off on a working day, otherwise the next working day. Loan sizes run €50 to €10,000 and terms run 3 to 60, so a small short loan and a longer repayment are both on the table. If the money is needed today rather than next week, that timing is the reason to look past the rate.

Where it sits among rivals

On loan amount Vivus ranks 566 out of 665 brands compared, which places it in the middle of the field rather than near either end. On APR it ranks 295 out of 338. Both sit in the middle of large fields, so the honest reading is that this is an ordinary sized lender on amount and an ordinary priced one on rate, with the exact numbers doing more work than the rank.

Safety of your money

Vivus is a direct lender, so the contract runs with the company you apply to rather than a broker passing you on. That matters for who holds your money: there is one counterparty on your agreement, not a panel whose terms may change after you sign. The representative example on a short loan is worth reading closely, because the interest charge takes a clear share of everything you pay back. The lender also appears in the Latvian register under NK-2025-1.

Regulation and registers

Vivus appears in the register of the Patērētāju tiesību aizsardzības centrs (Consumer Rights Protection Centre, Latvia) with reference NK-2025-1. As a direct lender it approves or declines applications itself, so the same firm that answers your questions sets the terms and holds the agreement. Nothing is passed quietly to a third party lender behind the scenes.

Rates and costs

The headline rate is 44.5%, and that is the number to work from. The disbursement fee on the credit line is 0 EUR (credit line disbursement fee), so nothing is stacked on at the point of drawing. The representative example Vivus publishes covers a small euro loan over a few months, and it shows the interest charge taking a visible slice of the total you repay. Early repayment is free, which is the strongest offset to a rate at this level, since clearing the balance early cuts the interest rather than adding an exit charge.

Who runs it

The lender is SIA "Credit Solutions" (reg. 40103982111), headquartered in Latvia and trading since 2008. Support runs on chat, phone and email, so phone and chat sit alongside email and a help centre. The company is listed with the Patērētāju tiesību aizsardzības centrs (Consumer Rights Protection Centre, Latvia) under NK-2025-1. A named company, a published rate and a support desk on several channels is a plain setup.

How Vivus compares

Where Vivus is available

Available
Latvia
Licence in Latvia
Patērētāju tiesību aizsardzības centrs (Consumer Rights Protection Centre, Latvia) (NK-2025-1), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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.

How much can I borrow, and for how long?+

Loan amounts run €50 to €10,000 and terms run 3 to 60, so a short bridge and a longer personal loan both sit inside the same range. What you are offered depends on your file and the sum the lender will agree. The listed purpose is home improvement, which points at repair work rather than a large purchase.

How quickly does the money arrive?+

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, otherwise the next working day. Listed features, same day funding and credit line, include same day funding and a credit line. A late request, or a bank outside that system, means the next working day.

Can I repay a Vivus loan early without a charge?+

Free early repayment is listed, so clearing the balance before the end of the agreed term adds no exit fee. With APR at 44.5%, the interest you avoid is what makes paying early worthwhile. Terms run 3 to 60, so plan any payoff against the schedule you were handed rather than assuming a penalty sits at the end.

Who can apply for a loan with Vivus?+

You need to be an adult living permanently in the Republic of Latvia, hold a personal code issued there, have no overdue payments or debts, and show regular income. A mobile number, an email address and a bank account are also needed. The credit needed is good and the check is hard, so a thin file is where most applications stop.

Is Vivus regulated, and who holds the licence?+

Vivus is listed with the Patērētāju tiesību aizsardzības centrs (Consumer Rights Protection Centre, Latvia) under reference NK-2025-1. The contracting company is SIA "Credit Solutions" (reg. 40103982111), based in Latvia, so the register entry and the party on your agreement point at the same firm.

How do I get help if something is wrong with my loan?+

Support runs on chat, phone and email: phone, chat, email and a help centre, so there is a channel that suits most problems. The company behind the desk is SIA "Credit Solutions" (reg. 40103982111), trading since 2008, and the register reference is NK-2025-1. For a Latvian borrower, phone or chat is the fastest route to a person.

How does this rate compare with the other lenders listed?+

Sofkredit quotes an APR of 10.74% to 18.06% and Cashspace an APR of PHP 12 to PHP 36, both far below the 44.5% charged here. Vivus covers a wider spread, from €50 to €10,000, while Creduma ES starts at from €12,000. The trade is speed and free early repayment against price.

How does borrowing at this rate sit against the wider market?+

Across the brands listed on the site the median APR is 15.5%, and the median for payday style loans is 36.5%. The site also tracks retail loss figures: the median is 70.15%, with the lower quartile at 65.75% and the upper quartile at 74.5%. A rate of 44.5% sits well above that middle.

Sources

  • vivus.lv checked September 26, 2026

    Backs: APR, Credit check, Credit needed, Eligibility, Features, Free early repayment, Headquarters, Legal entity, Lender type, Loan types, Pricing model, Rate type, Representative example, Support channels, Licences

    “GPL 44.50% (annual percentage rate, GPL) in the representative example for the consumer loan.”

  • vivus.lv/palidziba/ar-kreditlinijas-summas-izsniegsanu-sa... checked September 26, 2026

    Backs: Arrangement fee, Origination fee (%)

    “Kreditlinijas summas izsniegsanas komisija - 0 EUR”

  • vivus.lv/par-mums/par-credit-solutions checked September 26, 2026

    Backs: Founded

    “Uznemums Credit Solutions tika dibinats Latvija 2008. gada.”

  • vivus.lv/paterina-kredits checked September 26, 2026

    Backs: Loan amount, Funding time, Term, Use cases

    “Aiznemties vari no 50 EUR lidz pat 10000 EUR ar terminu no 3 lidz 60 menesiem (consumer loan, Paterina kredits).”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Vivus

Vivus

Fast small borrowing in Latvia, for borrowers who will repay early.

9.1/10Visit