Discover how to get instant credit, 100% online, with real-time approval — perfect for emergencies.

Vivus Loan is the perfect solution for those seeking speed, convenience, and zero bureaucracy when it comes to getting fast money in Spain. Imagine solving a financial emergency in just a few minutes, without leaving your home, waiting in line, or signing stacks of paperwork.

With Vivus, this is completely possible — and the best part: on your first loan, you can request up to €300 with no interest or fees.

Whether you’re dealing with an emergency, seizing an opportunity, or balancing your monthly budget, this is a modern, safe, and transparent alternative that fits in the palm of your hand.

In this article, you’ll learn how it works, what the benefits are, who can apply, and why Vivus Loan can transform your relationship with money.

What Is Vivus?

Vivus is a fintech specialized in providing fast, simple, and secure access to microloans.

Focused especially on people who need money urgently and want to avoid the red tape of traditional banks, Vivus offers a fully digital and intuitive process that can be completed in just a few minutes.

With a focus on transparency and user experience, the company stands out by allowing new customers to request a first loan completely free of charge.

In other words, you receive €300 and repay exactly €300, as long as you meet the repayment deadline.

How Vivus Fast Loan Works

Applying for a loan with Vivus is as easy as shopping online. The process is divided into three main steps:

1. Quick Registration
Access the platform, choose the desired amount (up to €300 for new customers) and the repayment term, which can be up to 30 days. Then, fill out a brief form with your personal details.

2. Instant Identification
Vivus uses automated verification technology via your online bank. You choose your bank, log in securely, and in seconds your identity and financial information are verified — all confidential and encrypted.

3. Money in Your Account Within Minutes
Once approved, the requested amount is transferred to your bank account within 15 minutes. You’ll also receive confirmation by email and SMS, so you’re always in control of the process.

Why Choose Vivus?

There are many loan options in the market, but few are as practical and advantageous as Vivus. Here’s why it’s a top choice:

• First loan 100% free – No hidden fees or surprise interest. You repay exactly what you borrowed.
• Unmatched speed – Money in your account in less than 15 minutes.
• Sem burocracia – No need to submit physical documents, guarantees, or co-signers.
• Fully digital process – Everything is done online, from any device.
• Top-level security – Your information is protected by advanced anti-fraud systems.
• Efficient support – In case of questions, a qualified team is ready to assist you quickly and clearly.

Who Can Apply for a Vivus Loan

Vivus aims to offer credit responsibly. That’s why it’s important to meet a few basic requirements:

• Be a resident of Spain.
• Ser de idade legal.
• Tenha um active bank account in your name within Spain.
• Ser financially up to date, with no outstanding debts or negative credit records.

These requirements help ensure that the process is safe for both the customer and the company, minimizing financial risks.

How to Apply for a Vivus Loan

Applying for a Vivus loan is as easy as ordering food through an app — except instead of a meal, you get money straight into your account.

The entire process takes just a few minutes and can be done from your phone, tablet, or computer. Here’s how it works:

1. Access the Platform
Go to the Vivus website. There, you’ll find an intuitive simulator where you can choose the amount (up to €300 for your first loan) and the repayment period (up to 30 days).

2. Fill in Your Information
After adjusting the values, click on “Apply” and complete a short form with your personal information: name, email, phone number, and ID document. Simple and all on one page.

3. Bank Verification
Here’s one of Vivus’s standout features: you securely verify your identity using your online bank. Just select your financial institution, log in, and that’s it — your information is verified automatically, with no need to upload documents.

4. Wait for Approval (in Real Time!)
In just a few seconds, you’ll know if your loan has been approved. No waiting for hours or days.

5. Money Straight to Your Account
If everything is approved, the loan amount is transferred to your account in up to 15 minutes. Fast, easy, and hassle-free.

Security Comes First

Many people still hesitate to use online financial services — and with good reason. When it comes to money, every precaution matters. That’s why Vivus invests in robust digital security technologies.

For example, during the identification process, there’s no need to send documents via email or scan paperwork.

Verification is done directly with your bank, using a secure and trusted platform that operates under the highest encryption standards.

Additionally, all personal and banking data is handled with maximum confidentiality, following strict privacy protection regulations.

Vivus vs. Other Loan Options

Compared to other forms of credit, Vivus stands out in many ways. With traditional banks, a loan request can take days — or even weeks — to be approved, not to mention the bureaucratic and documentary requirements.

Conventional lenders often charge high fees and offer unclear terms. In contrast, Vivus offers:

• Zero cost on the first loan.
• Unmatched speed.
• Processo digital 100%.
• Transparent conditions from the start.
• Total user control over the process.

It’s a modern solution for those who need immediate liquidity but don’t want to sacrifice security or clarity.

When to Use a Fast Loan

A fast loan can be extremely helpful in various day-to-day situations. Here are some common examples:

• Medical emergencies or unplanned health expenses.
• Urgent repairs at home, in your car, or on essential equipment.
• Unexpected travel costs, commitments, or events.
• Time-sensitive opportunities that require immediate funds.
• Budget adjustments until your next paycheck.

The key is to use it wisely: this type of loan is best suited for real needs — always with a clear repayment plan.

Conclusion: Simple, Fast and Smart

Choosing Vivus Loan means opting for a modern, secure, and efficient path to solve urgent financial needs without complications. With zero interest on your first request, instant approval, and money in your account within minutes, it’s a solution that blends technology, convenience, and trust.

But the world of personal credit doesn’t stop there — and if you’re looking for other equally attractive options, we’ve got more exclusive content for you.

In our next article, we’ll present another great alternative: Empréstimo Ibancar, ideal for those who want credit backed by their vehicle and customized conditions.

Continue your financial journey wisely and discover everything about Ibancar in our next post!