Vivus Finance
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.
- Company typePrivate
- Founded2014
- HeadquartersKaunas, Lithuania
- Headcount11–50
- GTM typeB2C
- OfferingServices
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.
Vivus Finance firmographics
Firmographics- 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
Vivus Finance industry classification
Industry- 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
Where Vivus Finance is headquartered
LocationHeadquarters
- HQ city
- Kaunas
- HQ country
- Lithuania
- HQ region
- Europe
Offices1 record
Markets served
Vivus Finance business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- 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.
- 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
| Model | Billing | Price |
|---|---|---|
| Other | Monthly | Consumer loans from 5% interest rate, individualized pricing based on creditworthiness |
Go-to-market motion1 record
Distribution channels4 records
Marketing channels5 records
Vivus Finance product offering
Product offeringCore 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
Companies that use Vivus Finance
Customer profileNamed customers5 records
Segments1 record
Ideal customer profiles1 record
Vivus Finance technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration14 records
Feature2 records
Vivus Finance partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- ADB Compensa Vienna Insurance GroupcoreProvides 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 LietuvacoreOperates the credit bureau system (KBS) and its participants. Vivus Finance uses this data to evaluate borrower creditworthiness and check for existing financial obligations.
- UAB ScorifycoreProvides 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 LTminorCredit intermediary for loan applications, located at Perkūnkiemio g. 13-91, Vilnius.
- UAB LendersminorCredit intermediary for loan applications, located at Savanorių g. 1, Vilnius.
- UAB Vertikalus dangusminorCredit intermediary operating as creditking.lt, located at Vaidilutės g. 79, Vilnius.
- MB LendmaxminorCredit intermediary for loan applications, located at Švitrigailos g. 11K-109, Vilnius.
- AB Lietuvos paštas (Pay Post)minorPost office network offering loan application services, with office at J. Jasinskio g. 16, Vilnius.
- 4Finance GroupcoreParent 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
Vivus Finance competitors and assessment
Company assessmentDirect 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
Vivus Finance social profiles
Digital presenceVivus Finance compliance and trust
Trust signalCompliance2 records
Vivus Finance financial estimates
Financial estimateRevenue estimate
Valuation estimate
Vivus Finance leadership team
Management profileNumber of profiles
Vivus Finance funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Vivus Finance 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 Finance
What does Vivus Finance do?
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.
Is Vivus Finance a public or private company?
Vivus Finance is a private company. It is classified as corporate owned and is currently operating.
When was Vivus Finance founded?
Vivus Finance was founded in 2014. It employs 11 to 50 people.
Where is Vivus Finance based?
Vivus Finance is headquartered in Kaunas, Lithuania, in the Europe region.
How does Vivus Finance make money?
Two revenue lines are on record. Consumer Lending Interest is the primary driver. The others are loan Payment Insurance.
Who are Vivus Finance's main competitors?
Direct peers on record are Inbank, Credit24 (IPF Digital), Mokilizingas (Mokilo), Savy (Savy.lt), Bigbank, Soho Credit (Soho Group) and TF Bank. Broad incumbents are Swedbank Lithuania and SEB Bank Lithuania. Revolut Lithuania is listed as an emerging player.
Does Vivus Finance have an API?
No public API is recorded for Vivus Finance.
What industry is Vivus Finance in?
Vivus Finance's product category is Consumer Lending. Its primary akta.pro industry code is FSAKAAAH, Emergency & Short-Term Installment Personal Loans (Unsecured), with a secondary code of FSAKAIAD, Multi-Loan / Multi-Creditor Consolidation Loans. Its NAICS code is 522 and its SIC code is 6141.