Vivus

Vivus is a digital lending platform operating in Mexico that specializes in providing short-term personal microloans through a fully online process. The company operates as DIFINANCE S.A. de C.V., SOFOM E.N.R., a regulated non-bank financial entity registered with Mexican financial authorities including CONDUSEF. Vivus is part of 4finance Group, a European fintech conglomerate established in 2008 that operates consumer lending services across 16 countries globally. The platform targets individuals seeking quick access to small amounts of credit, particularly those with limited credit options or unfavorable credit histories, as it evaluates applicants based on current income and repayment capacity rather than traditional credit bureau checks. Vivus offers new customers loans ranging from 300 to 3,000 Mexican pesos for their first credit, with loan amounts increasing up to 12,000 pesos for returning clients. Loan terms are short-term, typically ranging from 7 to 30 days, with a fixed annual interest rate of 511% plus VAT and additional fees including opening commissions, disposition fees, and investigation charges. The platform's fully digital application process allows users to complete registration, submit identification documents, and receive approval decisions within minutes, with approved funds deposited directly to the borrower's bank account in under one hour. Repayment options include bank transfers via SPEI, cash payments at OXXO convenience stores through Oxxo Pay, and Paycash services. The company maintains its corporate office in the Crédito Constructor neighborhood of Benito Juárez, Mexico City, and emphasizes transparency in its fee structure while providing accessible short-term financing solutions for urgent financial needs throughout Mexico.