Updated October 17, 2026 · SumCue Editorial Team
Vivus ES vs Wandoo ES
Vivus ES
Higher score in this comparison
Wandoo ES
What sets them apart
| Compare | Vivus ESReviewVisitVisit | Wandoo ESReviewVisitVisit |
|---|---|---|
| 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 ES: €50 to €1,800 vs €50 to €1,400.
- Term is higher at Wandoo ES: 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 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 ES | Wandoo ES |
|---|---|---|
| Cost | 9.2Arrangement fees are 0 EUR and 0%, while the representative example carries an APR of 0% to 3,752.4%. | Not confirmed |
| Offer | 8.9 | 9.5Higher |
| Trust | 9.0Higher | 8.3 |
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 ES
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 ES |
|---|---|---|
| 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 |
How they place
| Ranking | Vivus ES | Wandoo ES |
|---|---|---|
| Loans | 28 of 2043 | 30 of 2043 |
| Personal loans | 22 of 1317 | 24 of 1317 |
| Payday and short-term loans | 9 of 233 | 11 of 233 |
Every fact side by side
| Fact | Vivus ES | Wandoo ES |
|---|---|---|
| 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 ES | 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 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 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 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 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 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 ES | Wandoo ES |
|---|---|---|
| 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 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.