Updated September 30, 2026 · SumCue Editorial Team
Vivus vs Wandoo
Vivus
Higher score in this comparison
Wandoo
Where Vivus and Wandoo differ
| Compare | VivusReviewVisitVisit | WandooReviewVisitVisit |
|---|---|---|
| APR | 44.5%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €50 to €10,000Higher | €50 to €1,800 |
| Term | 3 to 60 monthsHigher | 7 to 35 months |
| Arrangement fee | 0 EUR (credit line disbursement fee) | 0.00 EUR (no opening or study commission) |
| 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 | 24-48 hours after approval, depending on the bank |
| 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 | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Rate type | Fixed | Variable |
| Free early repayment | YesHas it | No |
| 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. | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Loan types | Personal, Payday, CarCovers more | Payday, Personal |
| Credit needed | Good | Fair |
Same on both: Credit check (Hard), Lender type (Direct lender), Origination fee (%) (0%), Use cases (Home improvement).
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Key differences
- Vivus scores higher overall: 9.1 vs 8.8.
- Founded is lower at Vivus: 2008 vs 2017.
- APR is lower at Vivus: 44.5% vs 4,530.48% to 8,385.16%.
- Free early repayment: only Vivus.
- Loan amount is higher at Vivus: €50 to €10,000 vs €50 to €1,800.
- Term is higher at Vivus: 3 to 60 months vs 7 to 35 months.
- Support channels: only Vivus offers Chat.
- Loan types: only Vivus offers Car.
Our verdict on each
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.
Wandoo
Wandoo is a Spanish direct lender for small personal and payday loans, with an arrangement fee of 0.00 EUR (no opening or study commission) and an APR of 4,530.48% to 8,385.16%. It suits borrowers with verifiable regular income in Spain funding a home improvement, though early repayment is not free.
Score breakdown
| Area | Vivus | Wandoo |
|---|---|---|
| Cost | 9.0HigherAPR is 44.5% against Sofkredit's 10.74% to 18.06% and Cashspace's PHP 12 to PHP 36. | 8.6Arrangement fee of 0.00 EUR (no opening or study commission) with APR of 4,530.48% to 8,385.16% at the cheap end of payday lending. |
| Offer | 8.9 | 8.9 |
| Trust | 9.2Higher | 8.9 |
A third option
Sofkredit has apr at 10.74% to 18.06%, against 44.5% for Vivus and 4,530.48% to 8,385.16% for Wandoo.
Sofkredit reviewSources behind this comparison
Vivus
- vivus.lv: 21 facts, checked September 26, 2026
Wandoo
- wandoo.es: 19 facts, checked September 26, 2026
How they place
| Ranking | Vivus | Wandoo |
|---|---|---|
| Loans | 29 of 2043 | 31 of 2043 |
| Personal loans | 23 of 1317 | 25 of 1317 |
| Payday and short-term loans | 10 of 233 | 12 of 233 |
Every fact side by side
| Fact | Vivus | Wandoo |
|---|---|---|
| Pricing model | Fixed rate | Not confirmed |
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | SIA "Credit Solutions" (reg. 40103982111) | Wandoo Finance S.L.U. |
| Headquarters | Latvia | Spain |
| Founded | 2008Lower | 2017 |
| Support channels | Chat, Phone, Email, Help centreCovers more | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Vivus | Wandoo | Median |
|---|---|---|---|
| APR | 44.5%highest quarter | 4,530.48% to 8,385.16%highest quarter | 9.99% |
| Loan amount | €50 to €10,000below the median | €50 to €1,800lowest quarter | €40,000 |
| Term | 3 to 60 monthsat the median | 7 to 35 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | 0%at the median | 0% |
Median across 1096 listed providers.
Pros and cons
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.
Wandoo
Pros
- The arrangement fee is 0.00 EUR (no opening or study commission), so nothing sits on top of the interest at the point of borrowing.
- The quoted APR of 4,530.48% to 8,385.16% sits well below the payday median of 36.5% in the same category.
- The provider is a direct lender, so the borrower deals with the lender itself and not a broker.
Cons
- Free early repayment is not offered, so paying off the loan ahead of schedule does not save money.
- Pricing is variable, so the interest is not locked for the whole life of the loan.
- The check is hard and the credit needed is fair, so a thin credit history counts against a repeat application.
Who each suits
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.
Wandoo
Who it suits
- Borrowers with verifiable regular income paid into a bank account at a Spanish entity who can show a valid DNI/NIE.
- People funding a single home improvement, the stated use of the payday and personal loans on offer.
- Applicants who can clear the balance inside a 7 to 35 term.
Who should look elsewhere
- Anyone living outside Spain, since eligibility asks for a bank account at a Spanish entity and residence in the country.
- Borrowers who want to settle early and keep the saving, since free early repayment is not offered.
- Anyone needing more than €50 to €1,800, where Creduma ES carries an amount of from €12,000 instead.
Current offers
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
Wandoo
Current offer
First period offer
Primer minicredito gratis de 250-300 EUR al 0 % TAE: 0 % TAE on a first loan of 250-300 EUR (up to 30 days)
New customers only, amount 250-300 EUR, returned within the agreed term of up to 30 days without delay
Source, checked September 26, 2026
Country by country
| Country | Vivus | Wandoo |
|---|---|---|
| Latvia | Yes | No |
| Spain | No | Yes |
Questions about each
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.
Wandoo
What does it cost to borrow from Wandoo?+
The arrangement fee is 0.00 EUR (no opening or study commission), with no opening or study commission, so the interest rate is the whole charge. Wandoo quotes an APR of 4,530.48% to 8,385.16% on its short loans. Compare that with the representative example before accepting, because the rate rises sharply once a small sum is carried longer.
What does a Wandoo loan look like on the representative example?+
The published example lends a small sum over a term of about a month, and the total repayable comes out well above the amount borrowed, with interest a large share of the bill. Read it as a bridging cost for a single job, since the rate is variable and the balance shrinks slowly.