Updated September 28, 2026 · SumCue Editorial Team
Vivus ES vs Wandoo
Vivus ES
Higher score in this comparison
Wandoo
What sets them apart
| Compare | Vivus ESReviewVisitVisit | WandooReviewVisitVisit |
|---|---|---|
| APR | 0% to 3,752.4%Lower | 4,530.48% to 8,385.16% |
| Loan amount | €50 to €1,400 | €50 to €1,800Higher |
| Term | 7 to 30 months | 7 to 35 monthsHigher |
| Arrangement fee | 0 EUR | 0.00 EUR (no opening or study commission) |
| Funding time | up to 15 minutes after approval | 24-48 hours after approval, depending on the bank |
| Representative example | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% | Loan of EUR 100 over 35 days, TIN 463.55 %, TAE 4,530.48 %, interest EUR 44.45, total repayable EUR 144.45 |
| Eligibility | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts | 18 or older, resident in Spain, valid DNI/NIE, bank account in a Spanish entity, verifiable regular income, own email and mobile |
| Rate type | Not confirmed | Variable |
| Credit needed | Not confirmed | Fair |
| Use cases | Not confirmed | Home improvement |
Same on both: Credit check (Hard), Lender type (Direct lender), Free early repayment (No), Origination fee (%) (0%), Loan types (Payday, Personal).
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Key differences
- Vivus ES scores higher overall: 9.1 vs 8.8.
- Founded is lower at Vivus ES: 2013 vs 2017.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 4,530.48% to 8,385.16%.
- Loan amount is higher at Wandoo: €50 to €1,800 vs €50 to €1,400.
- Term is higher at Wandoo: 7 to 35 months vs 7 to 30 months.
Our verdict on each
Vivus ES
Vivus ES is a Spanish direct lender aimed at short bridging advances, not long personal loans. It suits borrowers who need a small sum quickly and pay no arrangement fee, but the headline cost of 0% to 3,752.4% sits at the steep end, and early repayment is not free.
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 ES | Wandoo |
|---|---|---|
| Cost | 9.2HigherArrangement fees are 0 EUR and 0%, while the representative example carries an APR of 0% to 3,752.4%. | 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 | 9.0Higher | 8.9 |
Choosing between them
Pick Vivus ES if cost and apr matter most.
Pick Wandoo if loan amount and term matter most.
Where they rank in our lists
| Ranking | Vivus ES | Wandoo |
|---|---|---|
| Loans | 28 of 2043 | 31 of 2043 |
| Personal loans | 22 of 1317 | 25 of 1317 |
| Payday and short-term loans | 9 of 233 | 12 of 233 |
Cost in a real example
Borrow a typical amount over a typical term (estimate at the stated APR)
Vivus ES
0 to 37,024
0 to 37,024
Wandoo
44,804.8 to 83,351.6
44,804.8 to 83,351.6
Vivus ES comes out 44,804.8 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
From lowest to highest
| Fact | Vivus ES | Wandoo |
|---|---|---|
| APR | 0% to 3,752.4% | 4,530.48% to 8,385.16% |
| Loan amount | €50 to €1,400 | €50 to €1,800 |
| Term | 7 to 30 months | 7 to 35 months |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 3,752.4% for Vivus ES and 4,530.48% to 8,385.16% for Wandoo.
FINANZCHECK.de reviewEvery fact side by side
| Fact | Vivus ES | Wandoo |
|---|---|---|
| Features | Same day funding, Credit line | Not confirmed |
| Legal entity | Vivus Financial Services, S.A.U. | Wandoo Finance S.L.U. |
| Headquarters | Spain | Spain |
| Founded | 2013Lower | 2017 |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | Vivus ES | Wandoo | Median |
|---|---|---|---|
| APR | 0% to 3,752.4%lowest quarter | 4,530.48% to 8,385.16%highest quarter | 9.99 |
| Loan amount | €50 to €1,400lowest quarter | €50 to €1,800lowest quarter | €40,000 |
| Term | 7 to 30 monthsbelow 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 ES
Pros
- No arrangement fee on either product: 0 EUR and 0%.
- Fast disbursement of up to 15 minutes after approval, one of the quicker patterns in the payday set.
- Lends directly rather than brokering, so direct lender and the contract sit with one entity.
Cons
- The cost of the money is the weak point: an APR of 0% to 3,752.4% against a payday median of 36.5%.
- Free early repayment is not offered, so settling a loan early does not cut the interest bill.
- The credit check is hard, which can leave a trace that other lenders see.
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 ES
Who it suits
- Adults in Spain with a Spanish bank account and a clean record of payments and debts.
- Borrowers who can clear a small advance from a single month's income.
- People who value a fast transfer over a low headline percentage.
Who should look elsewhere
- Anyone wanting to borrow a large sum, since Creduma ES starts at from €12,000.
- Borrowers shopping for the cheapest rate, given Sofkredit quotes 10.74% to 18.06%.
- Readers who want a longer repayment period or free early settlement, which Sofkredit's longer terms sit beyond the 7 to 30 window here.
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 ES
Current offer
First period offer
Primer prestamo de hasta 300 EUR sin intereses ni comisiones: 300 EUR, TAE 0%
Only for a first loan, repaid within a maximum of 30 days; approval subject to the lender's criteria
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 ES | Wandoo |
|---|---|---|
| Spain | Yes | Yes |
Questions about each
Vivus ES
What does a loan from Vivus ES cost?+
The representative example takes a small advance and repays it over a single month, showing an APR of 0% to 3,752.4% with interest added to the amount borrowed. The arrangement fee is 0 EUR and the percentage component is 0%, so the cost sits in the interest rather than in upfront charges.
Is there an arrangement or origination fee?+
There is not. The arrangement fee is 0 EUR and the percentage element is 0%, both nil. The same-day funding and the credit line carry no separate fee either, which is a real difference against many payday lenders that add a handling charge to a short term.
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.