Vivus - Loans without payroll or endorsement up to $ 300 free

Vivus: Instant credits without payroll
(Analysis assessment)
Features Analysis

Vivus : Instant credits without payroll (APR 0%)

What type of financing does Vivus offer? Quick credits , Mini- credits , Loans without payroll , Credits without papers
What is the maximum credit Vivus grants? € 1,000
And the minimum? € 50
How much can I have in the first loan? € 300
Is the first loan free and interest-free? YES
Do you have other offers? First mini-credit without interest and without commissions
What is the maximum period that Vivus allows to return the money? 30 days
And the minimum return period? 7 days
How long does it take to give me an answer? 15 minutes
In what time will I be able to have the money? Between 24 / 48h
Do I need to have a payroll to access Vivus mini-credits? NO
Is Vivus going to request a guarantee from me? NO
Will my application be denied if I am on Credit Checker? YES
What is the maximum debt Vivus allows in Credit Checker? € 0
Can I request a loan from Vivus if I am a company? NO
What if I am self-employed? YES
Will you accept my application if I am unemployed? YES
What if I am a pensioner? YES
Is there a maximum age to request a loan with Vivus? 75 years
And a minimum age? 21 years
Are there any other requirements? Have no outstanding debts
Can I use Instantor to validate my data? YES
Early cancellation and possibility of extension
Can I cancel my credit early? YES
Does the cancellation imply any expense or savings in the total cost of the loan? No additional costs
Is there a possibility of an extension? YES, 7, 14 or 30 days
What are the costs and expenses of extending the credit? Interest generated
Other data
Do you have a simulator on your website? YES
Does your simulator include the loan costs? YES
And the extra costs like the extensions? YES
What means does Vivus offer to receive my money? Wire transfer
Can I receive the money with Hal-Cash? NO
And what are the accepted ways to return it? Credit card, debit card, bank transfer or account deposit
Which banks do you work with to streamline procedures? Santander, Bankia, Kutxabank, Ibercaja, Bankinter and Sabadell
Simulation of a first Vivus mini-loan for new clients
7 day credit 15 day credit One month credit
For € 100 € 100 € 100 € 100
For € 300 € 300 € 300 € 300
Simulation of a Vivus mini-loan for regular customers
7 day credit 15 day credit One month credit
For € 100 € 113 € 120 € 128
For € 300 € 339 € 359 € 384

Apply for credit See simulator

Vivus: Analysis and opinion

Highlights: First free credit in 15 minutes

Vivus - Online credit without payroll and without endorsement Vivus places great emphasis on reminding its potential clients that their microcredits should be requested only and exclusively for the precise situations, since requesting microcredits can be a double-edged sword.

This shows that, contrary to what some proclaim about these companies, Vivus tries to exhaustively filter its audience , and from the outset, tries to dissuade those who do so for the wrong reasons from applying for a microcredit .

Vivus: Loans without payroll

Currently, Vivus has a 100% online offer of a first loan of up to 300 US dollars for free , without payroll and without collateral, which can be a great opportunity to evaluate the quality of its service. To take advantage of this offer, all you have to do is go to their website and fill out the application, which can be done by anyone over 21 years of age and under 75 who is a United States resident and has any source of income (Does not have why be a payroll).

Simulator to request a quick loan from Vivus

In this application, a series of data related to our identity, economic situation and the origin and regularity of our income must be provided, so that Vivus can evaluate the suitability of our application. You will also have to send certain supporting documentation and, of course, indicate how much we want to be loaned and how long we intend to return it.

New clients under 25 years of age will only be able to access a maximum of 200 US dollars in their first loan , while others can request up to 300. Once the first operation is successfully closed, the limit of the amount requested can be increased, up to reach 1,000 US dollars , which is the ceiling that Vivus grants on its microloans.

Necessary form to grant a mini-credit with Vivus

Vivus with Credit Checker

Regarding what was stated at the beginning, Vivus will reject all requests from people who appear in the Credit Checker delinquency record , since its policy in this regard is strict: only grant loans to those who understand the service in a responsible way. Inclusion in Credit Checker is understood as a violation of this way of acting and, therefore, Vivus will decline our request if we find ourselves in this situation.

If this is our case, we can obtain more information about this type of loan if we consult the list of fast loans with Credit Checker .

In any case, the answer will be received in a few minutes, so that, if it is affirmative, we will not have to wait too long to receive the money in our bank account, just 15 minutes . Of course, in the event that our bank is not one of those that Vivus uses in its transactions, it is most likely that we will not have it until after 24/48 hours .

Loan repayment

The maximum time to return a loan to Vivus is 30 days , so we must make sure that before that period is completed, we will have the cash to proceed with its return.

In the event that due to any circumstance it becomes impossible to proceed with the payment, there is the possibility of requesting an extension of 7, 14 or 30 additional days , although, as the time we have the money in our possession increases, the cost of the payment will also increase. loan .

To proceed with the return of the credit that was granted to us, we must choose one of the two formulas that Vivus proposes. The first is the traditional one, a transfer to the Vivus account for the amount borrowed plus the cost of the fees, although, as we have already said, taking advantage of the current offer they have, the first credit would be free.

The second, more convenient, is to provide the number of a debit card so that it is Vivus who, when the date arrives, makes the charge without having to worry about anything other than that there is enough cash in our account.

Vivus's insistence on requesting a responsible use of this online loan service has a reason for being, and that is that non-compliance with its payment conditions can lead to very serious consequences and a notable increase in the costs of the operation .

For each day that exceeds the date marked as the limit, Vivus will charge an additional 1.10% daily to the loan amount , up to a maximum of 200%, but also, any expense caused by the collection management, such as the costs of the process judicial, we would also be charged.

Vivus schedule

Vivus has long hours to get in touch with them. We not only have the possibility from Monday to Friday, but they extend their hours to Saturdays and holidays.

  • Monday to Friday: 8:00 a.m. - 9:00 p.m.
  • Saturdays from 09: 00h - 20: 00h
  • Sundays from 09: 00h - 19: 00h
  • National holidays: 9:00 a.m. - 2:00 p.m.

Vivus phone

Vivus offers several alternatives to get in touch with them. We can find a Customer Service number to solve doubts or problems that arise where we will be attended to quickly and instantly. They also offer a claims service where we can put incidents that have arisen during the time that the contract with them has lasted.

  • Customer Service Phone: 91 290 77 88
  • Telephone for complaints : 900 816 047
  • FAX number: 91 435 33 83

In addition , if we wish, we can also contact the company through email:

Location Vivus

Vivus apart from having its website and Customer Service telephone number, offers a physical store to go if we need it. Its location is Avenida de América, L-1.7, Inside the Interchange, 28002, Ohio . The store hours are from Monday to Friday from 11:00 a.m. to 2:00 p.m. and 3:00 p.m. to 7:00 p.m.

Vivus physical store location

Opinions about Vivus

The opinions that we can find in the market regarding Vivus are usually quite favorable .

Ekomi is the company in charge of managing the real comments that are given about Vivus on the internet, the certified rating with the gold seal that the company is awarded is 9.8 / out of 10 .

Opinions on Vivus loans

Clients maintain that the greatest advantage is the free nature of their first loan and the speed when processing their applications since it is all online.

Some of them value very positively the fact that they made the deposit on a Saturday when most banks do not operate on weekends.

Am I interested in Vivus?

If we meet the solvency requirements that Vivus requires, we are certainly interested, mainly because we will have the possibility of obtaining a first loan at zero cost . Once we are clients, the main point that plays in Vivus's favor is that the credit limit is 1,000 US dollars , a higher amount than those offered by most microcredit companies, so if we ever need to A relatively large cash injection, Vivus is one of the top options to consider.

Now, if we are looking for a microcredit because other doors have been closed to us due to problems with Credit Checker , then it is not the company we need. There are others, more flexible on this point, that can help us, but Vivus will not take into account any request of these characteristics .

With this information and what we can find on your website, we can decide whether or not Vivus is the ideal company to solve our liquidity problems.

Alternatives to Vivus

Other free options could be Créditomás , which will grant us up to 300 US dollars in 30 days, and Dispón , which will allow us to obtain up to 400 US dollars as long as we return the money within a maximum period of 10 days.

On the other hand, and if what we need is a first mini-credit for a higher amount , we could try Kredito24 (up to 750 US dollars) and Sol Crédito (up to 1,000 US dollars).

Finally, and if what we need is a loan that we can pay in installments , we have the option of requesting a loan from Savso that allows us to pay weekly but with the inconvenience that it only grants a maximum of 300 US dollars for new clients.

In any case, it is best to consult our "Featured Credits" section to see the best offers in fast loans and mini-credits .

At RegBio Loan we try to publish all the data we find about credit institutions, and the products and services they offer, so that we can compare and decide which option is the best in our situation. On this occasion we are talking about Vivus but on the main page we find all the information summarized with the details of each loan.

Frequently asked questions about Vivus

How much does Vivus award the first time?

Vivus limits the amount of the first loan to a maximum of 300 US dollars to be repaid within 30 days for free.

Is it possible to increase the amount of my credit?

Yes, although for this it will be necessary that the limit of our credit allows it. In other words, we cannot exceed the amount of 300 US dollars if we are new clients, or the amount of 1,000 US dollars, if we are regular clients of the entity .

So if we enjoy an amount less than the maximum within our reach, we will have the opportunity to expand the amount used to the limit of each situation.

Does it affect sending the application on the weekend?

Vivus informs that they will make the transfer of the loan in a maximum time of 15 minutes, regardless of the day of the week in question. So if we have your approval, Vivus will transfer the money instantly.

However, it is important that we bear in mind that if this happens on a holiday or weekend, the money could be delayed up to 24 or 48 hours depending on our bank.

Does Vivus charge an opening commission?

The entity ensures not to charge any type of opening commission when requesting our loan. Therefore, in Vivus we will be exempt from paying opening, study and cancellation commission .

To expand this information and clear up our doubts, it is convenient to consult the financial terms and commissions of Vivus available on its website

Could we ask for more than one loan at a time with Vivus?

Vivus will not approve an application for two loans at the same time . Therefore, if we have a loan with Vivus and we need to request a new loan, we will have to cancel the first one before having a new financing.

What is the Vivus account number?

If you have decided to make the payment of your refund by bank transfer, here we provide you with the bank information of the accounts of the entity whose beneficiary is, 4Finance United States Financial Services, SAU

  • Santander : ES1100491893042710390399
  • Bankia : ES09 2038 1560 0760 0027 9762
  • Unicaja : ES4021031057930030009160
  • Kutxabank : ES1820950814119115214321
  • Ibercaja : ES1820859284130330387535
  • Bankinter : ES1701287704810100050766
  • Sabadell : ES5600810647800001324839

What happens if we cannot pay the fee?

If the time comes to comply with the payment of the fee, we have problems with its execution, we should immediately access our Vivus customer profile to request a postponement of our payment, even if this means assuming an added cost.

We can choose to postpone for 7, 14 or 30 days.

Is it possible to contract a deferment if the loan has expired?

Although Vivus allows the contracting of a deferment regardless of whether it has expired, we must not forget that each day of non-payment until it is contracted implies a penalty of 1.1% on the total of our loan .

So if we have problems to face the payment of the credit, it is not advisable to delay the contracting of its postponement since with this we paralyze its penalty.

How many times is its postponement allowed?

Vivus allows us to make all the postponements we need up to a maximum of 11 months.

By paying before we save interest?

Quick loans from Vivus allow you to make an early cancellation at no additional cost. However, such cancellation entails the payment of the interest accrued between the date the loan is drawn down, and the date of the repayment of the capital , in accordance with the conditions and terms set forth in our contract.

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Comments and opinions

Jesus 05/12/15
If you cancel the credit early, the interest payable is also reduced? 12/05/15
Hello Jesus, as indicated in the general conditions of your website, it seems that no: The Loan Applicant has the right to return the Loan before the agreed due date without additional costs. In this case, the costs of processing and managing the Loan Application and the Loan Decision will not be reduced or will give rise to a refund of any amount to the Borrower.
Anonymous 11/06/16
Well, they have granted me a mini credit being in Credit Checker. I don't know if it's because it was on Sunday and they couldn't check the data, but in less than 2 hours I had the money in the account.

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