Vivus — reviews, costs and terms 2026
Vivus offers payday loans online from PLN 100 to PLN 9,600 for 5–61 days. First loan for new customers at 0% APR. Decision in 15 minut.
Amount
PLN 100 – 9,600
Term
5 – 61 days
APR
0% – 299.1%
First loan
0 PLN (0% APR)
Payout
15 minut
About Vivus
Vivus is one of the most recognized payday-loan brands in Poland — operating since 2012 as part of the international 4finance group. The Polish entity Vivus.pl is registered with the KNF list of lending institutions and is headquartered in Warsaw.
Foreigners offer: first loan from PLN 100 to PLN 4,000 for up to 61 days at 0% APR — you repay exactly what you borrowed. Subsequent loans up to PLN 9,600 at standard pricing (representative APR 299.10%, capped by Polish anti-usury law).
The full process is online: application, identity verification via a 1-grosz (PLN 0.01) transfer from your Polish bank account, SMS contract signing, Blue Media payout. The dedicated foreigners program accepts applicants holding a Polish residence card or a registered Polish address — a Polish bank account is required.
Pros
- +First loan at 0% APR up to PLN 4,000 (foreigners program)
- +Available to holders of a Polish residence card or registered address
- +Decision and payout within 15 minutes via Blue Media
- +Long-standing brand, part of the 4finance group
- +Application fully online, in English-friendly flow
Cons
- −Subsequent loans carry APR up to 299.10%
- −Maximum 61-day term on the first loan
- −Polish bank account required (PESEL on the account)
- −Full BIK and KRD check
Requirements
- Age 20–78
- Polish residence card or registered Polish address
- Polish bank account (must hold a PESEL)
- Active phone number and email
Ready to apply at Vivus?
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Go to VivusFrequently asked questions about Vivus
Can foreigners apply for a Vivus loan?
Yes — Vivus runs a dedicated program for foreigners. The first loan goes up to PLN 4,000 for 61 days at 0% APR. You need a Polish residence card (or registered Polish address), a Polish bank account, and a phone number.
How does the 0% APR first loan work?
For first-time customers Vivus charges no commission and no interest. Borrow PLN 4,000 and you repay PLN 4,000 — provided you repay on time. A rollover or late payment cancels the zero-cost promo.
How long does verification take?
After a 1-grosz verification transfer from your Polish bank account, the decision is automated and arrives within minutes. Funds reach your account within 15 minutes if your bank supports Blue Media.
Does Vivus check BIK?
Yes — Vivus checks BIK, KRD and ERIF. The rule is soft: historical delays do not block a loan, but active arrears are disqualifying.
Can I repay early?
Yes. Early repayment is free; interest is charged only for the actual borrowing period. To keep the 0% APR promo, repay within the original term.
