Importe entre
100€ y 10000€
 A devolver en hasta 
30 días
Solicita
 Importe entre
50€ y 1000€
 A devolver en hasta
30 días
Solicita
 Importe entre 
50€ y 1000€
 Registro gratuito.
Solicita
 Importe entre 
100€ y 10000€
 A devolver en hasta 
30 días
Solicita
Importe entre 
50€ y 1000€
 A devolver en hasta 
Solicita
Importe a solicitar
Desde 100€ 
hasta 10.000€
Plazo
Hasta 3 meses
Solicita
Importe a solicitar
Desde 100€ 
hasta 1.000€
Solicita
Importe 100€ y 400€
 A devolver en
hasta 2 meses
Solicita
 Importe a solicitar
Desde 100€ 
hasta 50.000€
Solicita

Vivus is a well-known provider of online short-term loans and credit products in many countries, including Spain. Offering a quick and straightforward application process, Vivus caters to individuals who need immediate financial assistance. Their services are particularly appealing for covering unexpected expenses or bridging a gap until the next payday. Here’s an overview of what you can expect when considering a loan from Vivus:

Features of Vivus Credit

  • Loan Amounts: Vivus typically offers first-time customers a smaller loan limit, which can increase for repeat customers in good standing. In Spain, the first loan might be offered at no interest if repaid on time.
  • Quick Application Process: The application is completed online, with decisions often made quickly, sometimes within minutes.
  • Rapid Disbursement: Funds can be transferred to your bank account shortly after approval, sometimes within the same day.
  • Short-term Repayment: Loans are usually required to be repaid within a short period, often 30 days, which suits those looking for a quick financial fix rather than a long-term commitment.
  • No Collateral Required: Vivus loans are unsecured, meaning you don’t need to provide any collateral like a car or home to secure the loan.

Applying for a Vivus Loan

  1. Eligibility: You must be of legal age, have a valid DNI or NIE, a Spanish bank account, and a source of regular income.
  2. Application: The process is entirely online. You’ll need to fill out a form with personal and financial information.
  3. Approval and Funding: If approved, the loan amount will be deposited into your bank account. The time frame for receiving funds can be very quick, often on the same day.

Considerations

  • Interest Rates and Fees: While the first loan might come with no interest or a promotional rate, subsequent loans will have interest rates and fees. It’s important to review these costs carefully.
  • Repayment Terms: Make sure you can repay the loan within the set term to avoid late fees or additional charges.
  • Use Responsibly: Due to their high cost, loans like those from Vivus should be used for short-term financial needs rather than long-term borrowing.

Alternatives to Vivus

  • Personal Loans from Banks: Might offer lower interest rates for larger amounts and longer repayment periods.
  • Credit Unions: Often provide more favorable loan terms and interest rates to their members.
  • Financial Advice: If you find yourself frequently in need of short-term loans, seeking advice from a financial counselor can help you manage your finances better and explore other financial solutions.

Conclusion

Vivus can be a convenient option for those in need of quick, short-term financial assistance in Spain. However, like any financial product, it’s important to understand the terms and conditions fully, be aware of the costs involved, and consider your ability to repay on time. Always consider your financial situation and explore all available options before taking out a short-term loan.