Updated September 28, 2026 · SumCue Editorial Team
Vivus ES vs Youmoney ES
Vivus ES
Higher score in this comparison
Youmoney ES
What sets them apart
| Compare | Vivus ESReviewVisitVisit | Youmoney ESReviewVisitVisit |
|---|---|---|
| APR | 0% to 3,752.4% | 0% to 349% |
| Loan amount | €50 to €1,400Higher | €50 to €1,000 |
| Term | 7 to 30 months | 0.23 to 36 monthsHigher |
| Funding time | up to 15 minutes after approval | 15 minutes to 24 hours |
| Representative example | 100 EUR over 30 days: interest 35.10 EUR, APR (TAE) 3,752.4%, TIN 425.83% | 300 EUR loan over 60 days: loan cost 40.26 EUR, total repayable 340.26 EUR, TAE 203.72% |
| Lender type | Direct lender | Broker |
| Eligibility | Live in Spain, be of legal age, hold a Spanish bank account, no pending payments or debts | DNI or NIE, aged 18 to 75, Spanish citizenship or legal residence, Spanish bank account, phone number |
| Loan types | Payday, Personal | Personal, Payday, SecuredCovers more |
| Rate type | Not confirmed | Variable |
| Free early repayment | No | Not confirmed |
| Origination fee (%) | 0% | Not confirmed |
| Credit needed | Not confirmed | Poor |
Same on both: Arrangement fee (0 EUR), 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 9.0.
- Loan amount is higher at Vivus ES: €50 to €1,400 vs €50 to €1,000.
- Term is higher at Youmoney ES: 0.23 to 36 months vs 7 to 30 months.
- Support channels: only Vivus ES offers Phone.
- Support channels: only Youmoney ES offers Chat.
- Features: only Vivus ES offers Credit line.
- Loan types: only Youmoney ES offers Secured.
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 ES
Youmoney ES suits Spanish adults with a weak credit file who need a small sum the same day and accept matching through a broker rather than a named lender. It scores 2 out of ten on offer quality, and the cost on a short loan leaves room for cheaper rates.
Score breakdown
| Area | Vivus ES | Youmoney ES |
|---|---|---|
| Cost | 9.2Arrangement fees are 0 EUR and 0%, while the representative example carries an APR of 0% to 3,752.4%. | 9.9Higher |
| Offer | 8.9Higher | 8.6APR runs 0% to 349% on a variable rate, the origination fee is 0 EUR, and the example cost is steep. |
| Trust | 9.0Higher | 8.5 |
Positions in our rankings
| Ranking | Vivus ES | Youmoney ES |
|---|---|---|
| Loans | 28 of 2043 | 35 of 2043 |
| Personal loans | 22 of 1317 | 29 of 1317 |
| Payday and short-term loans | 9 of 233 | 14 of 233 |
From lowest to highest
| Fact | Vivus ES | Youmoney ES |
|---|---|---|
| APR | 0% to 3,752.4% | 0% to 349% |
| Loan amount | €50 to €1,400 | €50 to €1,000 |
| Term | 7 to 30 months | 0.23 to 36 months |
If neither fits
Oney Prestamos has loan amount at €1,000 to €45,000, against €50 to €1,400 for Vivus ES and €50 to €1,000 for Youmoney ES.
Oney Prestamos reviewEvery fact side by side
| Fact | Vivus ES | Youmoney ES |
|---|---|---|
| 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 | 2013 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Vivus ES | Youmoney ES | Median |
|---|---|---|---|
| APR | 0% to 3,752.4%lowest quarter | 0% to 349%lowest quarter | 9.99 |
| Loan amount | €50 to €1,400lowest quarter | €50 to €1,000lowest quarter | €40,000 |
| Term | 7 to 30 monthsbelow the median | 0.23 to 36 monthsbelow the median | 60 |
| Origination fee (%) | 0%at the median | Not confirmed | 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 ES
Pros
- The origination fee is 0 EUR, so the borrowed amount is what reaches the account with nothing added on top.
- Funding runs 15 minutes to 24 hours, and same day funding is listed, which suits a bill with a fixed date attached.
- The credit profile asked for is poor, so a weaker file is the target here rather than a barrier.
Cons
- The representative example shows a short loan costing a large share of the sum borrowed, and the headline 0% to 349% range does not describe that.
- The credit check is hard and the credit profile asked for is poor, so a thin file is judged on a full search rather than a soft one.
- It is a broker, so the lender behind any matched offer is not named at the point of 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.
Youmoney ES
Who it suits
- Spanish residents holding a DNI or NIE, a Spanish bank account and a phone number who need a small sum quickly.
- Borrowers with a weaker credit file, since the profile asked for is poor and the check is hard.
- People comfortable with variable pricing and a broker match rather than naming their lender.
Who should look elsewhere
- Borrowers who want a named lender to hold to a contract should look past a broker match, and note that Creduma ES lists amounts as from €12,000 for a very different size of need.
- Price sensitive shoppers should compare first, because Sofkredit lists 10.74% to 18.06% against the 0% to 349% range here.
- Readers shopping outside Spain should skip this comparison, as Cashspace lists PHP 12 to PHP 36 in a different currency and market.
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 ES
Current offer
First period offer
First loan free of interest and fees (0% TAE) with some partner lenders: 0 EUR cost, 0% TAE
Only offered by some of the partner lenders; typically amounts up to 300 EUR over 30 days; terms vary per lender
Source, checked September 26, 2026
Country by country
| Country | Vivus ES | Youmoney 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.
Youmoney ES
What will a loan from Youmoney ES cost me?+
The origination fee is 0 EUR, so nothing is added to the amount you borrow. The annual percentage rate runs 0% to 349% and the rate type is variable, so the figure can move over the life of the loan. The representative example shows a small loan over a short term costing a large share of the principal, and that is the number to budget around.
Are rates like these normal for small short loans?+
Across the loans on this comparison site the retail loss share runs 70.15% at the midpoint, with 40.3% to 88% across the full spread. Loss shares at that level point to a market where missed repayments are common, so the example cost on a short term loan deserves a proper budget before you sign.