Vivus - customer reviews and loan review

term 7 - 30 days
our note 4.50
maximum to request $ 1000
free first loan Yes
age 21 - 75 years
Supports Credit Checker Yes
Destined to individuals
maximum first loan $ 50 - $ 300
Allow extensions Yes

Advantages and disadvantages of Vivus

  • The maximum amount available is € 1000
  • The first microcredit you request is free, up to a maximum of € 300
  • You can pay by card
  • Lets you extend the amount of the loan
  • You can request an extension of the return of up to a maximum of 11 months
  • You can request an early cancellation
  • It is backed by a large financial group
  • Age limit restricted to people between 21 to 75 years old
  • You can extend the limit of the amount, but not the payment term that is based on your risk profile
  • You will not be able to apply for a microcredit if you are in a Credit Checker file or have debts with third parties
  • If you are under 24 years old, you can only request € 200

Vivus is one of the most important fast credit and microcredit companies in the financial sector. On its website it is possible to get a loan quickly, safely, reliably and transparently. And it is that its international and national recognition has given it a plus before the competition, leading it to be a leader in the Spanish sector.

Next, we provide you with all the information you should know about Vivus loan . From how its platform works, what are its requirements and application process, to the Vivus opinions that will help you make a better decision.

What is Vivus?

It is an online loan site , recognized for offering credits with attractive conditions. Whose purpose is to be a simple, fast and reliable financing alternative so that users can request personal loans without paperwork . Well, in just a couple of 'clicks' you can request up to 1,000 EUR to be returned in 30 days .

It was created in 2007 in the United States. However, it arrived in the United States in 2013 offering easy loans, and being part of one of the leading companies in its group: 4finance , with a presence in 16 countries. Among them: Mexico, Argentina, Poland, Sweden, the United States, and others.

As stated on its website, 4finance Group has signed more than nine million microcredits in the world . And it is that, it has become an entity that has earned the trust of users, to the point that it appears constantly in television advertisements .

In addition, it belongs to the AEMIP (Spanish Association of Personal Micro Loans), and in the Vivus opinions it has a rating of 9.8 in eKomi (a prestigious company dedicated to the opinion valuation market).

How Vivus Credit works

Behind Vivus United States we find the financial group 4Finance Spain Financial Services, SAU , based in Madrid. This company specializes in fast loans for which it is not necessary to have guarantees or payroll .

Advantages of Vivus

You just have to show that you have a regular income . Best of all, the process is done online, and you can apply from your home or work. No requirements beyond those set by the financial institution. You, as an applicant, will not have to send lots of documentation , as in other cases.

Vivus loan amounts

If we talk about the amounts you can get with Vivus credit, you have a maximum of up to 300 EUR as a new customer , and 1,000 EUR for existing customers . Similarly, during the application process, an agent will review your financial profile to advise you and confirm whether or not your request is approved according to the requirements.

What banks do you work with?

In Vivus client area they do not require a specific bank to receive the money . However, they do clarify that, according to your bank, the crediting of the money could be delayed according to internal policies. Of course, your bank account must be with a Spanish entity. The banks where Vivus is a client are:

  • Santander Bank
  • Bania
  • SpainDuero
  • popular Bank
  • Bankinter
  • Unicaja
  • ING Direct Bank
  • Kutxabank
  • Ibercaja

Deadlines and extensions in Vivus

New customers can request up to 300 EUR without commission . In case you are under 24 years of age , you can only request a maximum credit of 200 EUR with Vivus, which is a disadvantage and, of course, can be seen in Vivus opinions.

Regarding the repayment terms , they are the usual ones in this class of financial institutions. That is, between 7 and 30 days . Although you can request an extension of up to 30 days . You will also have, at any time, the option to cancel the debt whenever you want before the end of the fixed repayment period.


The return of the Vivus credit can be made with a payment through a card or bank transfer . If you use the card, you can apply for a new loan immediately. Now, if you pay by bank transfer, you will have to wait up to 48 hours to apply for a new loan.


The interests of the Vivus fast loans represent a curiosity for Vivus clients. And it is that, on its official website, this entity establishes that the APR for the first loan is 0% . However, for the following loans, the APR varies depending on the amount and the term. It can be seen in the final agreement.

As a random example, if you request a loan of 100 EUR to be repaid within a maximum period of 30 days, the interest will be 32 EUR, which is equivalent to an APR of 2,830.8%.

Vivus loans without payroll

You can access loans without a Vivus payroll and without presenting any type of guarantee . Which is a point in favor, since it is common for financial institutions to request a lot of requirements. But this is not the case with Vivus United States.

Vivus credits with Credit Checker

Unfortunately, Vivus is one of the entities that evaluates the financial history of its clients before granting a loan. So, when they validate your data and notice that you are in Credit Checker, they will not grant you the loan . However, many entities grant loans even if you are in Credit Checker or RAI.

Get a loan at Vivus

To get a loan in Vivus you have it very easy. The website itself has a system or simulator that allows you to establish the amount you need to request, as well as the return time that you can respect.

Requirements in Vivus

The requirements to request a fast loan in Vivus are:

age Age from 21 to 75 years
DNI Valid DNI or NIE
phone A mobile phone number
Bank Bank account holder
asnef Not be part of any delinquent file

The application process at Vivus

The process in Vivus is really very fast , almost instantaneous, because the microcredit entities are very focused on it.

The steps are the following:

  1. Enter the desired amount and the repayment period in the simulator
  2. Register on the web and fill in the form with your personal data
  3. After a few minutes, you will receive the answer to your request and, if it has been approved, the money will be in your account in about 15 minutes .
apply for a loan at Vivus

Vivus opinions Is it a reliable option?

Vivus clients have left their opinions on various sites, which may lead to a verdict for Vivus loan. The fact that the first loan is free , without commissions for new clients, is a very convenient advantage for users. In addition, they also allow you to extend a Vivus credit , and cancel it early .

Vivus is an entity that has the recognition of an international association , and a gold seal valuation in an expert platform in financial opinions. However, users agree that it has very limiting requirements . As the age limit restricted to 21 years, a short repayment term, does not grant loans with Credit Checker, and being under 24 years of age the loan limit is 200 EUR.

On the other hand, Vivus offers fast loans. So, in the event of any eventuality, it is possible to access your loans without direct debit payroll or presenting guarantees.

Frequent questions

Let's review the most frequent doubts of Vivus clients:

☑ Is the only return period 30 days?

Yes! Although you can opt for higher amounts (up to 1,000 EUR), the refund period will continue to be 30 days. Although you can extend the credit, you must review the conditions that apply.

☑ Do you grant loans with Credit Checker?

No! Vivus does not grant credits for those who are in Credit Checker or RAI.

☑ Do you charge opening commissions?

No! They do not charge any type of commission.

☑ Do I have to pay early termination fees?

No! You can cancel the credit before the term without having to pay commissions.

Customer Support

  • ? Vivus phone : 91 290 77 88
  • ? Email : [email protected]
  • ? Physical address : Génova 27, 2ª Planta. 28004, Madrid.
  • ? Hours of operation : Monday - Friday / 8:00 - 21:00, Saturday / 9:00 - 20:00, Sunday / 9:00 - 19:00, National holidays / 9:00 - 14:00

Comments (8)
Leave your comment

  • Komentarz od Paula
    24.09.2019, 16:58

    Vivus is one of the loan entities that I was lucky to meet, without delay and complications. I recommend it!

  • Komentarz od Leon
    01.07.2019, 21:22

    I had some doubts before applying for the loan, but the information provided on the contract is clear and without small print. They help you from the beginning to the end.

  • Komentarz od Carmen
    18.06.2019, 12:07

    I am more than satisfied, I needed money urgently, I contacted Vivus and they deposited the requested amount in less than 15 minutes, without leaving home.

  • Komentarz od David
    02.04.2019, 14:05

    I liked the speed with which they answered me and transferred the money. Highly recommended

  • Komentarz od Fabio
    15.03.2019, 09:54

    Everything perfect, good telephone service, they answered all my questions

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