Vivus Finance

What Vivus Finance does

Vivus Finance is a Lithuanian online consumer lending brand operated by UAB Credit Service (company code 302431575), headquartered in Kaunas and part of the 4finance Group. Founded circa 2014 (the firm's "10+ years in Lithuania" claim and archived terms from 2020 onward support this dating), the company targets adult residents of Lithuania with a fully digital self-service platform at vivus.lt, supplemented by phone origination and a network of credit intermediaries and Lithuania Post branches. Core products include consumer loans up to 15,000 EUR with terms up to 84 months, a refinancing/consolidation module, and a renewable-energy-targeted loan product. Funds are disbursed within 10–15 minutes for SEB, Citadele, and Šiaulių bankas customers; all official income sources are accepted including self-employment and foreign-sourced income.

The platform is built on third-party integrations rather than proprietary AI: UAB Scorify connects to the applicant's online banking for identity verification and a 4-month average sustainable income calculation; Idenfy handles remote document verification; and UAB Creditinfo Lietuva provides credit bureau (KBS) access for creditworthiness evaluation. The tech stack also includes Google Analytics, Kissmetrics, WebTrends, Hotjar, and Fullstory for behavioral analytics, SalesManago and AdForm for marketing automation, and Incapsula for DDoS protection. Marketing is conducted across Facebook, LinkedIn, Instagram, and a Lithuanian-language blog/news section, with responsible-lending campaigns such as #SaugiBanga (SafeWave) and #SkolintisNegėda (Borrowing is not shameful).

The revenue model is anchored in interest income from consumer loans, with pricing individualized per borrower based on creditworthiness assessment — interest rates start from 5% and the illustrative BVKKMN on a 1,500 EUR / 36-month loan is 32.4% (annual interest rate 27.37%, monthly payment 62.35 EUR, no administration or contract fees). An ancillary revenue stream comes from optional loan payment protection insurance underwritten by ADB Compensa Vienna Insurance Group, covering involuntary job loss, illness/disability, and death. With a cumulative customer base exceeding 240,000 over 10+ years, a sub-50 headcount, and Bank of Lithuania supervision under the Republic of Lithuania Consumer Credit Law, Vivus is a mid-sized, domestically-focused consumer lender operating in a single market with incremental product diversification rather than scale-stage growth.

Name

Vivus Finance

Legal name

UAB "Credit Service"

Website

https://vivus.lt

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

11–50 employees

Short description

Vivus Finance is a Lithuanian online consumer lender, operated by UAB Credit Service within the 4finance Group, offering digital consumer loans up to 15,000 EUR, refinancing, and a renewable-energy loan product to adult Lithuanian residents through its vivus.lt platform and credit intermediary network.

Ownership category

akta.pro rank

Product category

Consumer Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Personal Credit Institutions (6141)

akta.pro primary industry

Emergency & Short-Term Installment Personal Loans (Unsecured) (FSAKAAAH)

akta.pro secondary industry

Multi-Loan / Multi-Creditor Consolidation Loans (FSAKAIAD)

Keywords

• Consumer lending
• Online loans
• Personal loans
• Loan refinancing
• Credit services

Headquarters

HQ city

Kaunas

HQ country

Lithuania

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Revenue model

1. Consumer Lending Interest: The primary revenue stream is interest income from consumer loans. Interest rates are set individually based on customer creditworthiness assessment. Rates start from 5% with total cost (BVKKMN) varying by loan amount and term. Maximum loan amount is 15,000 EUR with terms up to 84 months.
2. Loan Payment Insurance: Optional payment protection insurance offered to borrowers, underwritten by ADB Compensa Vienna Insurance Group. Covers loan installments in case of involuntary job loss, temporary disability due to illness/accident, or death.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels5 records

Core offering

Vivus Finance provides online consumer loans to Lithuanian residents, offering borrowing up to 15,000 EUR with repayment terms up to 84 months at individualized interest rates starting from 5%. Loans are applied for and disbursed through a fully digital self-service platform (vivus.lt), with funds typically transferred within 10–15 minutes of approval for partner bank customers.

Product overview

Vivus Finance is a Lithuanian consumer lending platform operated by UAB Credit Service, offering a unified suite of digital lending products. The core portfolio centers on fast consumer loans (Vartojimo Paskola / Greitos Paskolos Internetu / Greitas Kreditas / Kreditai) providing up to 15,000 EUR with terms up to 84 months, processed entirely online within minutes. This is supplemented by a Refinansavimas (refinancing) module that consolidates multiple loans into one, and a Paskolos Imoku Draudimas (loan payment protection insurance) add-on underwritten by Compensa Vienna Insurance Group covering job loss, illness, and death. Supporting tools include the Paskolos Skaiciuokle (loan calculator) for payment estimation and a dedicated Paskola Apsinaujinantiems Energijos Saltiniams loan for renewable energy upgrades.

Differentiator

Problem solved

Functional benefit

Products and services

• Consumer Loan (Vartojimo Paskola / Greitos Paskolos Internetu / Greitas Kreditas / Kreditai) Core consumer loan product for Lithuanian residents aged 18+, offering borrowing up to 15,000 EUR with repayment terms of up to 84 months (7 years). Loans are applied for online via vivus.lt (also by phone), with funds disbursed to the borrower's bank account within 10–15 minutes of approval. Interest rates start from 5% and are individualized based on creditworthiness assessment; no contract establishment or administration fee is charged.
• Refinancing (Refinansavimas) Service that consolidates multiple existing consumer loans into a single Vivus Finance loan, intended to lower the borrower's overall interest rate and reduce monthly payments to one unified installment. Available to Lithuanian residents meeting the standard creditworthiness criteria.
• Loan Payment Protection Insurance (Paskolos Įmokų Draudimas) Optional insurance product that covers loan installments in cases of involuntary job loss, temporary disability due to illness or accident, or death. Underwritten by ADB Compensa Vienna Insurance Group, providing coverage up to 500 EUR per month for up to 12 months per claim. Offered to Vivus Finance borrowers in Lithuania.
• Loan for Renewable Energy (Paskola Apsinaujinantiems Energijos Šaltiniams) Specialized consumer loan aimed at financing renewable energy installations such as solar panels for the borrower's home. Marketed on the basis of reducing monthly electricity costs up to 4 times and improving residential energy class. Available to Lithuanian residents meeting standard creditworthiness criteria.

Quantifiable outcome

• Funds transferred within 10-15 minutes after application approval
• +1 more outcomes

Named customers5 records

Segments1 record

Ideal customer profiles1 record

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration14 records

Feature2 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• ADB Compensa Vienna Insurance GroupcoreStrategic or Co-development PartnerProvides payment protection insurance for Vivus Finance borrowers, covering loan installments in cases of involuntary job loss, temporary disability due to illness/accident, or death. Insurance is optional for customers and provides coverage up to 500 EUR per month for up to 12 months per claim.
• UAB Creditinfo LietuvacoreTechnology or IntegrationOperates the credit bureau system (KBS) and its participants. Vivus Finance uses this data to evaluate borrower creditworthiness and check for existing financial obligations.
• UAB ScorifycoreTechnology or IntegrationProvides identity verification software that connects to user's online banking to confirm identity and calculate average sustainable income over 4 months for creditworthiness assessment.
• UAB Altero LTminorChannel Partner/ Reseller/ DistributorCredit intermediary for loan applications, located at Perkūnkiemio g. 13-91, Vilnius.
• UAB LendersminorChannel Partner/ Reseller/ DistributorCredit intermediary for loan applications, located at Savanorių g. 1, Vilnius.
• UAB Vertikalus dangusminorChannel Partner/ Reseller/ DistributorCredit intermediary operating as creditking.lt, located at Vaidilutės g. 79, Vilnius.
• MB LendmaxminorChannel Partner/ Reseller/ DistributorCredit intermediary for loan applications, located at Švitrigailos g. 11K-109, Vilnius.
• AB Lietuvos paštas (Pay Post)minorChannel Partner/ Reseller/ DistributorPost office network offering loan application services, with office at J. Jasinskio g. 16, Vilnius.
• 4Finance GroupcoreOthersParent company group. 4Finance is a European fintech company specializing in consumer lending. Vivus Finance is part of the 4Finance group.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Inbank: Estonian-based bank with a strong Baltic consumer lending franchise operating in Lithuania, offering installment loans and consumer credit products to retail borrowers via digital channels.
• Credit24 (IPF Digital): IPF Digital's Baltic consumer lending brand providing online installment loans in Lithuania, Latvia, and Estonia. Directly comparable in product offering, customer base, and digital self-service distribution.
• Mokilizingas (Mokilo): Lithuanian consumer credit provider offering online installment loans to individuals, directly competing with Vivus in the same geography, customer segment, and product category.
• Savy (Savy.lt): Lithuanian online consumer lending platform offering small-ticket installment loans to individuals, operating in the same market and customer segment as Vivus Finance.
• Bigbank: Estonian-headquartered online consumer and SME lender with active Lithuanian operations, offering similar unsecured personal installment loans via a digital self-service platform. Highly comparable business model, customer segment, and product set in the same Lithuanian market.
• Soho Credit (Soho Group): Lithuanian online consumer lending brand offering installment loans to individuals in Lithuania, with overlapping target customers, similar loan sizes, and a comparable digital origination model.
• TF Bank: Nordic consumer and SME lender with Lithuanian operations, offering online installment loans and credit cards to retail borrowers, competing with Vivus in the same unsecured consumer segment.

Broad incumbents

• Swedbank Lithuania: One of Lithuania's largest incumbent banks offering a broad suite of consumer loans, mortgages, and deposits. While not a specialist fintech, it represents the dominant prime-borrower competition Vivus faces for consumer credit share.
• SEB Bank Lithuania: Major Nordic bank with extensive Lithuanian operations, providing consumer loans, mortgages, and deposit products across both retail and corporate channels, anchoring the bank-side competitive set for Vivus.

Emerging players

• Revolut Lithuania: Global digital banking super-app with a Lithuanian banking license, expanding into consumer credit and lending products. Represents an emerging competitive threat with strong brand awareness and a large existing Lithuanian user base.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/vivusfinance.lietuva
• LinkedInlinkedin.com/company/vivus-lt
• Instagraminstagram.com/vivus.finance

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Vivus Finance