Vivus.es
Vivus.es is a Spanish online microcredit lender (part of Mellenu/4Finance Group) offering short-term consumer loans of €50-€1,400 to Spanish residents via a fully digital platform, including underserved no-payroll and ASNEF-listed borrowers.
- Company typePrivate
- Founded2013
- HeadquartersMadrid, Spain
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Vivus.es does
Vivus.es is a Spanish online microcredit lender operating as the local brand of Vivus Financial Services, S.A.U., a subsidiary of the Mellenu Group (4Finance Group). Incorporated in 2012 and launched in Spain in 2013, the company issues short-term consumer loans ranging from €50 to €1,400 with 7- to 61-day repayment terms. It targets Spanish residents with urgent short-term liquidity needs, including individuals without payroll documentation (freelancers, unemployed, retirees, students) and borrowers listed in ASNEF, Spain's default registry, who are typically excluded from traditional bank credit.
The platform operates entirely online with no physical branches. Identity verification is automated through Tink's open-banking infrastructure, enabling approvals and fund disbursement within 15 minutes via the website or iOS/Android mobile apps. A five-tier loyalty program (Nivel 1-5) progressively raises credit limits from €300 to €1,400 for borrowers with strong repayment histories. The product suite includes loan extensions of 7, 14, or 30 days (cumulative to 240 days), loan-amount top-ups, and a loan simulator, with repayments accepted via debit card (processed by Mobile Global Payments SL), bank transfer, or Bizum.
Revenue is generated primarily from interest on loans exceeding the interest-free threshold, payment-extension fees, and late-payment penalties (0.8% per day, capped at 100% of principal). The first loan of up to €300 is interest- and commission-free if repaid within 30 days, functioning as a customer acquisition tool; monetization concentrates on returning borrowers. Disclosed pricing shows a TAE of 3,752.4% on a €100/30-day loan, reflecting the high unit economics of the online microcredit segment. The company is a member of AEMIP (Asociación Española de Microcréditos) and participates in its responsible-lending self-protection file.
Vivus.es firmographics
Firmographics- Name
- Vivus.es
- Legal name
- Vivus Financial Services, S.A.U.
- Website
- https://vivus.es
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Vivus.es is a Spanish online microcredit lender (part of Mellenu/4Finance Group) offering short-term consumer loans of €50-€1,400 to Spanish residents via a fully digital platform, including underserved no-payroll and ASNEF-listed borrowers.
- Ownership category
- akta.pro rank
Vivus.es industry classification
Industry- Product category
- Online Consumer Microcredit
- NAICS
- Nondepository Credit Intermediation (5222)
- SIC
- Personal Credit Institutions (6141)
- akta.pro primary industry
- Small-Dollar Short-Term Installment Loans (Non-payday) (FSAKAMAI)
- akta.pro secondary industries
- Single-Payment Payday Loans (FSAKAMAA), Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK), Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)
Keywords
Where Vivus.es is headquartered
LocationHeadquarters
- HQ city
- Madrid
- HQ country
- Spain
- HQ region
- Europe
Offices1 record
Markets served
Vivus.es business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure, Others
Revenue model
- Interest income on repaid loans: Vivus earns interest on loans that are not repaid within the interest-free window. For a €100 loan at 30 days, interest is €35.10 (TAE 3,752.4%). The first loan of up to €300 is 100% interest-free if repaid within 30 days, generating no revenue from new customers. Revenue from repeat customers is generated through interest charges on the portion of the loan above the free tier and on extended repayment periods.
- Payment extension fees (Aplazamientos): Customers who cannot repay on the due date can purchase an extension (7, 14, or 30 days) for an additional fee proportional to the loan amount. This generates recurring fee revenue from existing customers who need more time.
- Late payment penalties: A penalty of 0.8% per day is applied on the unpaid principal, capped at 100% of the principal. This penalization revenue applies when customers fail to repay on time and do not purchase an extension.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | First loan — up to €300, 0% interest, 0% commission, repayable in 7–30 days |
| Transaction based/ take rate | Pay-as-you-go | Loyalty tier loans — up to €1,400, interest-bearing, scalable by level |
| Transaction based/ take rate | Pay-as-you-go | Payment extension (aplazamiento) — 7, 14, or 30 days, fee proportional to loan amount |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels5 records
Vivus.es product offering
Product offeringCore offering
Vivus.es provides short-term online microcredit loans of €50–€1,400 with repayment periods of 7–61 days, targeted at Spanish consumers needing urgent liquidity. New customers receive a free first loan of up to €300 at 0% interest and 0% commission if repaid within 30 days, with higher limits unlocked through a five-level loyalty tier system for returning customers. The full process — application, identity verification via Tink open-banking, approval, and fund transfer — is conducted online and delivers funds within 15 minutes without branches, payroll slips, or guarantors.
Product overview
Vivus.es is an online microcredit lender offering short-term consumer loans as part of the 4Finance Group (operating under Mellenu Group branding in Europe). The core product is the Préstamo Rápido / Minicrédito Online, providing 50€ to 1,400€ loans with 7-61 day repayment terms. New customers receive a promotional Primer Préstamo of up to 300€ at zero interest and no commissions. The product suite includes the mobile app for loan management, a loan simulator tool, loan extension options, and the ability to increase credit amounts for returning customers. The company operates entirely online with no physical branches, using Tink for identity verification and offering multiple payment methods including card, bank transfer, and Bizum.
Differentiator
Problem solved
Functional benefit
Products and services
- Préstamos Rápidos / Minicréditos Online Short-term online microcredit loans ranging from €50 to €1,400 with repayment periods of 7 to 61 days, enabling Spanish consumers to obtain urgent financing for unexpected expenses with funds transferred within 15 minutes of approval.
- Primer Préstamo 300€ Sin Intereses Welcome offer providing new customers with a first microloan of up to €300 at zero interest and zero commissions if repaid within 30 days, with a 61-day repayment option also available. Functions as the entry-point acquisition product for the Vivus lending funnel.
- Préstamos Sin Nómina Ni Aval
Quantifiable outcome
- Transfer time of under 15 minutes after loan approval
- +3 more outcomes
Companies that use Vivus.es
Customer profileNamed customers5 records
Segments3 records
Ideal customer profiles3 records
Vivus.es technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration3 records
Feature3 records
Vivus.es partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core and minor.
- TinkcoreTink is an open-banking platform used by Vivus for instant identity verification and bank account authentication. Customers select their bank within the Vivus application, connect securely via Tink, and Vivus receives verified identity and financial information in real time, enabling instant loan approval without manual document review.
- AEMIP (Asociación Española de Microcréditos)minorVivus is a member of AEMIP, the Spanish Microcredit Association, which promotes responsible microcredit practices, consumer protection, and industry self-regulation. AEMIP provides a self-protection registry that allows borrowers to self-exclude from microcredit if they risk over-indebtedness. Vivus's membership signals commitment to ethical lending standards and regulatory compliance.
- Mobile Global Payments SL (Entidad de Pago)coreMobile Global Payments SL is a licensed payment institution that processes Vivus's debit card payment transactions. When customers make loan repayments or purchase extensions via debit card, the payment is processed through this entity, ensuring secure and compliant transaction handling.
Scale indicators5 records
Recent moves6 records
Expansion highlights6 records
Vivus.es competitors and assessment
Company assessmentBroad incumbents
- Ferratum Bank: Ferratum is an established pan-European online lender offering a broader range of small-ticket consumer loans across multiple EU markets; it overlaps directly with Vivus on microcredit while extending into longer-term installment products.
- Cofidis España: Cofidis is one of the largest consumer-credit providers in Spain and France, offering personal loans and revolving credit at larger ticket sizes; it overlaps with Vivus only in the broader consumer-credit category but with substantially different risk profiles and product scope.
- CREDITAS (formerly Wonga): Once the UK's flagship online payday lender and the brand that defined the category globally; it overlaps with Vivus in product concept (small, short-term, online consumer loans) but has since pivoted toward longer-tenor installment lending under creditas branding.
Direct peers
- Moneyman: Moneyman is a sister brand within the 4Finance Spain portfolio, targeting the same online microcredit segment in Spain with similar short-term, small-ticket loans and digital onboarding — essentially a category peer running on a parallel stack inside the parent group.
- Creditea: Creditea is a Spain-based online consumer lender offering short-term microloans to the same subprime and underbanked segments as Vivus, with a near-identical online onboarding flow and a similar first-loan-free acquisition mechanic.
- Kredito24: Kredito24 is another 4Finance Group brand, operating the same online microcredit model in adjacent European markets; it shares parent technology, risk infrastructure, and product mechanics with Vivus but operates in different geographies.
- Wandoo Financial: Wandoo is a Spanish online microlender offering small short-term consumer loans via a fully digital channel, competing head-to-head with Vivus in the same €50–€1,000 ticket range with comparable target customer and acquisition tactics.
Emerging players
- Kviku: Kviku is an online consumer lender expanding into Spain offering short-term and installment-style loans via a fully digital application flow, competing for the same online microcredit demand as Vivus and other Spanish operators.
- Younited Credit: Younited is a fast-growing European online consumer-credit platform offering personal installment loans across France, Spain, Italy, Germany and beyond; it overlaps with Vivus on the digital consumer-credit thesis but typically serves a more prime, longer-tenor segment.
Regional players
- Cash Converters Spain: Cash Converters operates a regional network of pawnbroking and short-term credit stores across Spain, addressing the same emergency-liquidity customer need as Vivus but through a physical-retail distribution model rather than online.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Vivus.es social profiles
Digital presenceVivus.es compliance and trust
Trust signalCompliance1 record
Vivus.es financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vivus.es leadership team
Management profileNumber of profiles
Vivus.es funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vivus.es M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Vivus.es
What does Vivus.es do?
Vivus.es provides short-term online microcredit loans of €50–€1,400 with repayment periods of 7–61 days, targeted at Spanish consumers needing urgent liquidity. New customers receive a free first loan of up to €300 at 0% interest and 0% commission if repaid within 30 days, with higher limits unlocked through a five-level loyalty tier system for returning customers. The full process — application, identity verification via Tink open-banking, approval, and fund transfer — is conducted online and delivers funds within 15 minutes without branches, payroll slips, or guarantors.
Is Vivus.es a public or private company?
Vivus.es is a private company. It is classified as corporate owned and is currently operating.
When was Vivus.es founded?
Vivus.es was founded in 2013. It employs 101 to 250 people.
Where is Vivus.es based?
Vivus.es is headquartered in Madrid, Spain, in the Europe region.
How does Vivus.es make money?
Three revenue lines are on record. Interest income on repaid loans are the primary driver. The others are payment extension fees (Aplazamientos) and late payment penalties.
Who are Vivus.es's main competitors?
Broad incumbents on record are Ferratum Bank, Cofidis España and CREDITAS (formerly Wonga). Direct peers are Moneyman, Creditea, Kredito24 and Wandoo Financial. Emerging players are Kviku and Younited Credit. Cash Converters Spain is listed as a regional player.
Does Vivus.es have an API?
No public API is recorded for Vivus.es.
What industry is Vivus.es in?
Vivus.es's product category is Online Consumer Microcredit. Its primary akta.pro industry code is FSAKAMAI, Small-Dollar Short-Term Installment Loans (Non-payday), with a secondary code of FSAKAMAA, Single-Payment Payday Loans. Its NAICS code is 5222 and its SIC code is 6141.