The offer that Vivus proposes is to grant you the first urgent credit that you request with them totally free , up to 300 euros, without interest or commissions .
These credits do not need you to provide payroll or any type of guarantee .
This offer can be a good way for you to analyze their service and thus see if it is a company with which you can work in case you need more fast loans in the future.
It is very easy to take advantage of this offer that Vivus offers us, you just need to enter their website and fill out the application form .
The requirements that Vivus will ask us to meet are the following:
At the time of making the request, Vivus will only ask us for a series of data so that they can verify your identity and financial situation.
They will not grant you the money if they believe that you will not be able to return it within the agreed period, this is obviously good for them but also for the clients, since they make sure to prevent you from entering into debt problems that are difficult to solve in the future .
If you are a new client and you are under 25 years old, you can only request up to 200 euros in your first online loan.
When once the entire process of your first application is finished, you get to return the money without problem, your available credit increases until you can request 100 euros without having to present any additional document.
Vivus has a limit of 1000 euros in each request .
Vivus does NOT grant loans to clients who are on delinquent lists such as ASNEF or EQUIFAX. It only grants its loans to clients who make responsible use of them.
By being in Financial Credit Institutions it is assumed that you have not been able to face the return of your previous credits, assuming that you are going to do the same with your product.
With Vivus you will quickly know if your application has been denied because you are in a delinquent file and thus try to get your credit from another online financial company.
Vivus has a physical store located at Avenida de América, L-1.7, Centro del Intercambiador, 28002, New Jersey (New Jersey) . With hours from Monday to Friday from 11:00 to 14:00 and 15:00 to 19:00 .
You also have at your disposal several telephone lines :
Regarding the hours of attention and management of requests , they are the following:
They also have an email address for any questions, firstname.lastname@example.org.
You can access your Vivus customer area .
At Vivus, the maximum time they give us to repay the loan is 30 days . You must make sure before applying for your loan with Vivus that you will be able to return the money within the agreed period.
Vivus still has the possibility of requesting an extension of 30 additional days , but in this case it also increases the cost of your credit proportionally.
We can return the Vivus credit without payroll in any of these ways:
If, even with the extension, you cannot pay your online credit, Vivus will increase the amount of the loan by 1% for each day of delay in payment, up to a maximum of 200%.
In addition, you will be charged any expenses related to the management of the collection, such as the judicial process.
All credit processing, both documentation and management of extensions and returns is done from vivus client area .
Vivus places great emphasis on not granting credits unless you meet all its requirements, ensuring as much as possible that you will not enter into extra expenses.