Updated September 28, 2026 · SumCue Editorial Team
Vivus ES vs Youmoney
Vivus ES
Higher score in this comparison
Youmoney
Vivus ES vs Youmoney: the differences
| Compare | Vivus ESReviewVisitVisit | YoumoneyReviewVisitVisit |
|---|---|---|
| APR | 0% to 3,752.4%Lower | 25.28% to 72.19% |
| Loan amount | €50 to €1,400 | PLN 100 to PLN 10,000 |
| Term | 7 to 30 monthsHigher | 24 months |
| Arrangement fee | 0 EUR | 5064.60 PLN commission (33.76% of the 15000 PLN loan) in the instalment-loan representative example |
| Funding time | up to 15 minutes after approval | 15-30 minutes with the fastest lenders, usually 2-4 hours, at most by the end of the next business day |
| Representative example | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% | Instalment loan: APR 53.21%, loan amount 15000.00 PLN, fixed interest 16.05% per year, 24 months, 23 instalments of 945.83 PLN plus a final instalment of 945.83 PLN, total cost 7699.92 PLN, total repayable 22699.92 PLN |
| Lender type | Direct lender | Broker |
| Free early repayment | No | YesHas it |
| Eligibility | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts | Aged 18 to 75, valid Polish ID, Polish citizenship, bank account at a Polish bank in the applicant's own name, phone number and e-mail; any income source accepted (employment, self-employment, pension, allowance, alimony) |
| Origination fee (%) | 0%Lower | 33.76% |
| Loan types | Payday, Personal | Personal, Payday, Debt consolidationCovers more |
| Rate type | Not confirmed | Fixed |
| Credit needed | Not confirmed | Poor |
Same on both: Credit check (Hard).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Vivus ES scores higher overall: 9.1 vs 8.6.
- Founded is lower at Vivus ES: 2013 vs 2022.
- Youmoney is available in 2 more countries.
- APR is lower at Vivus ES: 0% to 3,752.4% vs 25.28% to 72.19%.
- Free early repayment: only Youmoney.
- Origination fee (%) is lower at Vivus ES: 0% vs 33.76%.
- Term is higher at Vivus ES: 7 to 30 months vs 24 months.
- Support channels: only Youmoney offers Chat.
- Features: only Vivus ES offers Credit line.
- Loan types: only Youmoney offers Debt consolidation.
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.
Youmoney
Youmoney is a Polish loan broker built for people with a thin credit file who need money the same day. It suits borrowers who accept a hard credit check and a high cost, since its APR of 25.28% to 72.19% sits far above the personal loan median of 14.43%. Early repayment carries no charge.
Score breakdown
| Area | Vivus ES | Youmoney |
|---|---|---|
| Cost | 9.2HigherArrangement fees are 0 EUR and 0%, while the representative example carries an APR of 0% to 3,752.4%. | 8.6APR of 25.28% to 72.19% against a personal loan median of 14.43%, with an origination charge of 33.76% on the instalment example. |
| Offer | 8.9 | 9.2HigherA broker covering personal, payday and debt consolidation, with fixed-rate lending, same-day funding and a 24 term on offer. |
| Trust | 9.0Higher | 8.3 |
Availability and regulation
Available in 1 country for both. Additional countries for Youmoney: 2.
What each covers
| Loan types | Vivus ES | Youmoney |
|---|---|---|
| Personal | Yes | Yes |
| Payday | Yes | Yes |
| Debt consolidation | No | Yes |
If neither fits
FINANZCHECK.de has apr at -0.4% to 19.9%, against 0% to 3,752.4% for Vivus ES and 25.28% to 72.19% for Youmoney.
FINANZCHECK.de reviewWhat we checked
Vivus ES
- vivus.es: 17 facts, checked September 26, 2026
Youmoney
- youmoney.pl: 20 facts, checked September 26, 2026
How they place
| Ranking | Vivus ES | Youmoney |
|---|---|---|
| Loans | 28 of 2043 | 36 of 2043 |
| Personal loans | 22 of 1317 | 30 of 1317 |
| Payday and short-term loans | 9 of 233 | 15 of 233 |
Every fact side by side
| Fact | Vivus ES | Youmoney |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding, Credit lineCovers more | Same day funding |
| Legal entity | Vivus Financial Services, S.A.U. | Findao sp. z o.o. |
| Headquarters | Spain | Poland |
| Founded | 2013Lower | 2022 |
| Support channels | Phone, Email, Help centre | Chat, Email, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | Vivus ES | Youmoney | Median |
|---|---|---|---|
| APR | 0% to 3,752.4%lowest quarter | 25.28% to 72.19%highest quarter | 9.99 |
| Term | 7 to 30 monthsbelow the median | 24 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | 33.76%highest quarter | 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.
Youmoney
Pros
- Any income source counts, from employment and self-employment to pension, allowance and alimony, so applicants are not tied to one form of earnings.
- Lenders release money in minutes with the quickest of them, usually within hours and at worst by the end of the next business day.
- Early repayment costs nothing, so a borrower who can clear the balance early pays less interest.
Cons
- The instalment example carries an origination charge of 33.76% of the amount borrowed, a cost that sits in the price from the first instalment.
- APR runs 25.28% to 72.19%, well above the personal loan median of 14.43% and the payday median of 36.5%.
- Applications run a hard credit check, so a declined application can be recorded on the credit file.
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.
Youmoney
Who it suits
- Polish residents with a bank account and a Polish ID who need cash quickly rather than a low rate
- Borrowers whose income is a pension, allowance or alimony as well as a salary
- People with a poor credit file, because poor means the market accepts thin credit histories
Who should look elsewhere
- Anyone wanting a long cheap loan, since 24 is the only term on offer and 25.28% to 72.19% is high
- Borrowers who want a soft pre-application check rather than the hard credit check listed under hard
- Households that need to borrow a large sum, because PLN 100 to PLN 10,000 is the ceiling
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
Youmoney
Current offer
Bonus
First loan for 0 PLN (APR 0%) for new customers of partner lenders: 0 PLN, APR 0%
Only for new customers of a specific partner lender, one promotion per institution, must be repaid on time or full interest, commission and possible penalties apply; amounts typically 1000-7000 PLN, term 7-61 days
Source, checked September 26, 2026
Country by country
| Country | Vivus ES | Youmoney |
|---|---|---|
| Poland | No | Yes |
| Romania | No | Yes |
| 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.
Youmoney
What APR will I pay on a Youmoney loan?+
APR runs 25.28% to 72.19% across the products offered. For context, the median APR on our personal loan data is 14.43%, so the difference is large. The instalment example sits well above that median as well.
What does Youmoney charge for arranging a loan?+
The instalment-loan representative example includes a commission of 33.76% of the amount borrowed, charged alongside the interest. On top of that sits the interest itself, at a fixed rate across a term of 24. The total repayable is what matters, not the rate alone.