€ 1,000 Maximum loan amount
7 - 30 days Maturity
Free loan The first loan is free

Quick information

If you need a loan in Vivus you can find them online for up to € 1,000 (up to € 200 for applicants between 21 and 24 years old) that you can easily cancel and the first time you request it, you do not have to pay any interest rate, in a repayment period of one month. If you have already applied for a loan with the entity before and your payment was timely, the loan amount can be up to € 1000. This is an offer that you can subscribe to without needing a guarantee and you can have the money in your account in just a few minutes. If you wish to contact the institution for any reason you can do so at the number 912 907 788, you can also write to [email protected] Vivus is located at Avenida de América, L-1.7, Inside the Interchange, 28002, Madrid and the hours of operation are Monday through Friday from 8:00 a.m. to 9:00 p.m., Saturdays and Sundays from 9:00 a.m. to 8:00 p.m. and holidays from 9:00 a.m. to 2:00 p.m.

  • Loans from up to € 300 without interest or commissions if it is the first time you ask for it. You can request up to € 1000 if you are already a customer
  • You have a period of up to 30 days to pay the loan without interest. From there you may have to cancel default interest
  • You cannot request the loan if you are registered in a delinquency file such as ASNEF or RAI
  • Car repairs
  • Machines for domestic use
  • Reductions in study expenses


Specific information

The first thing you should do is find the loan calculator on the home page of You must then choose the amount you want the entity to lend you and the term in which you plan to pay. The calculator will then inform you of how much the requested amount was, the interest that you will have to pay, the total to be returned and the return date. Then you just have to click on "Apply for your loan", in order to continue to the next step.

After this you should create a Vivus account in a matter of minutes. As we already mentioned, you must have a Spanish DNI / NIE, more than 20 years and have a bank account in your name in Spanish territory. They will request basic personal information such as your name and surname, DNI / NIE, date of birth, mobile phone number, email. You must also generate a password, accept the conditions on the treatment of the information and accept the terms and conditions, privacy policy, among other conditions. Once you have completed the information, just click on "Create my account."

In the next step, you must provide more personal information such as your home address, among other work information. It should be noted that the lender can analyze information related to your credit history, especially the Credit Service of ASNEF-EQUIFAX and EXPERIAN / BADEXCUG).

Next comes the identification step. You can identify yourself by selecting your bank and connecting to your online banking. In this way Vivus will be able to verify your identity through Instantor. If you do it this way, you will know right away if the loan was approved. You can also request the loan manually by sending the documents by whatsapp to 699657055 or to the email [email protected] You can also send the documentation to fax 914353383. You need copies of your ID (front and back) and a bank certificate that clearly shows your data or a receipt for services in your name, which can be water, electricity, telephone, cable TV, etc).

Vivus Refund Table

New customer loans are commission free!

Requested amount Fee Total to pay Duration
€ 50 € 0 € 50 7 days
€ 100 € 0 € 100 30 days
140 € € 0 140 € 7 days

A representative example

If you borrow € 50 for 30 days, you will pay € 50 in total. So the tax is going to be € 0.

FAQ Vivus

Is the first loan really free?

If you don't have to worry about hidden costs, you can request up to € 300 without any additional cost in interest or commissions. If you ask for € 300 then you will only have to pay € 300, which you must pay in up to 30 days. Something like a free additional money that you can pay in a comfortable period.

What is Instantor and how does it work?

It is an institution that operates internationally and is dedicated to identifying a user through an online banking platform. Instantor also analyzes the status of the customer's accounts, who should not send documentation. This speeds up the application process a lot. The operation of Instantor is very simple considering that all you have to do is start your online banking session. By doing this, you will immediately take the necessary verification for loan approval. On the other hand, you do not have to worry about the treatment of your personal information.

Can I request an extension of the payment term?

If the day of payment of the agreed fee has arrived but you prefer to extend the term of it for any reason, you can do this by requesting an extension of the term that can be for 7, 14 or 30 days. This means that you can extend the cancellation of the loan for 7.14 or 30 more days, from the date the loan expired. You can request this extension even the day you hire the loan, or at any time since the loan contract begins to take effect. If you pay your loan by card, you can request an extension the day the loan expires, if not, you have 24 to 48 hours before the due date to make the request.



"I could not quite believe that for free, but I returned it yesterday and only paid the 300 and without any problem."


"Very good! If you pay on time you have no problem. They are totally transparent. Another thing is that you do not pay when you have committed to them. There the one who is doing things wrong is you. "

Loan rating

The website is very easy to navigate. On the main page you can calculate your credit online and you will also find all the relevant information. If you are already a customer and wish to request a higher amount, you can do so through the "Customer Area". Enter our "Help" tab where you will find several of the frequently asked questions that we receive from our users and their respective answers. In the "Blog" section you will be able to read various articles of interest related to personal finance, economics and banking matters, among others. If you need a loan to get out of an emergency then enter, decide the amount you require and follow the steps. You must bear in mind that the client has the right to cancel his debt completely before the credit expires, without the need to pay any additional cost. In this case, in fact, the client has the right to a reduction in the total cost of the loan.

Roger molinsJerome P Allison ( LinkedIn )
I am a freelance writer and consultant for companies and individuals, with a particular emphasis on fintech, technology, startups and online marketing. More information ...

Loan terms

  • Be between 21 and 76 years old
  • With permanent address in Spain
  • Not be present at ASNEF, that is, be free of pending payments that are recorded in the aforementioned file
  • Have a mobile phone and a bank account

Application processing procedure

  • To determine the total amount of the loan
  • Use our virtual calculator - click on Apply for loan
  • Fill in the form and send it


  • The first loan is without any type of interest or commissions, without the need for an endorsement or many papers
  • Once your application is approved you can have the money in less than fifteen minutes, agility and transparency
  • You do not have to worry about the fine print, the loan conditions are what you are reading


  • It is necessary that you have regular income that you can verify to access the loan
  • If you do not have the money for the agreed installment on the deadline, you will have to pay interest or debt commissions
  • You cannot have multiple credits open with Vivus. It is necessary that you pay the first loan to be able to access another


91 290 77 88
Vivus Finance, SAU, Avenida de América Transport Interchange, Avenida de América, 9, 28002 Madrid, Spain


If you need a loan at Vivus you can find them online for up to € 1,000. Vivus Rating: 4/5 441 votes.

Documents to download

Last content update: 27. 10. 2020