Updated October 17, 2026 · SumCue Editorial Team
Vivus vs Wandoo ES
Vivus
Higher score in this comparison
Wandoo ES
What sets them apart
| Compare | VivusReviewVisitVisit | Wandoo ESReviewVisitVisit |
|---|---|---|
| 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 ES
Wandoo provides online payday and personal loans for households in Spain that need small extra credit. It suits residents with Spanish identity documents who prefer a fully online application with secure identity verification and Spanish language assistance throughout the process with clear information.
Score breakdown
| Area | Vivus | Wandoo ES |
|---|---|---|
| Cost | 9.0APR is 44.5% against Sofkredit's 10.74% to 18.06% and Cashspace's PHP 12 to PHP 36. | Not confirmed |
| Offer | 8.9 | 9.5Higher |
| Trust | 9.2Higher | 8.3 |
Where they rank in our lists
| Ranking | Vivus | Wandoo ES |
|---|---|---|
| Loans | 29 of 2043 | 30 of 2043 |
| Personal loans | 23 of 1317 | 24 of 1317 |
| Payday and short-term loans | 10 of 233 | 11 of 233 |
Which one suits you
Pick Vivus if trust, apr, loan amount, and term matter most.
Pick Wandoo ES if offer matter most.
Availability and regulation
| Country | Vivus | Wandoo ES |
|---|---|---|
| Latvia | Not confirmed |
Additional countries for Vivus: 1. Additional countries for Wandoo ES: 1.
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 ES.
Sofkredit reviewEvery fact side by side
| Fact | Vivus | Wandoo ES |
|---|---|---|
| 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 ES | 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 ES
Pros
- Operates entirely online with encrypted identity checks that protect personal data.
- Operates in Spain since 2017 and reports more than a million loans granted.
- Belongs to a Spanish microloan association and follows an online trust code.
Cons
- Serves only residents in Spain, which limits availability across Europe.
- Works only online, so applicants cannot visit a branch in person.
- Covers only payday and personal loans for punctual needs.
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 ES
Who it suits
- Residents in Spain who prefer fully online applications
- Households seeking small credit for punctual needs
Who should look elsewhere
- People outside Spain or seeking in person service
- Borrowers wanting long term banking products
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 ES
Current offer
Discount code
Tu primer prestamo o credito de 250-300 EUR a 0% TAE: 0% TAE
primer prestamo o credito de 250-300 EUR, sin demora en la devolucion; simulacion no vinculante
Source, checked September 26, 2026
Country by country
| Country | Vivus | Wandoo ES |
|---|---|---|
| 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 ES
What products does Wandoo provide?+
Wandoo provides online payday and personal loans for private needs. The request runs fully online and asks for identity details with email and phone contact. Identity passes through secure verification that keeps banking credentials with the authorised provider.
Where does Wandoo operate?+
Wandoo operates in Spain and directs its online loans to people who live there. The application asks for a Spanish identity document together with email and phone contact. Communication runs in Spanish and reflects membership of national microloan and online trust bodies.