Vivus is a prominent online micro-lender famous for its introductory promotion of a 0% interest and 0% fee loan up to €300 for new customers.
## How Does the 0% First Loan Deal Work?
The promo is genuine: borrow up to €300 and pay it back within 30 days, and you will repay exactly €300 (0% APR).
However, borrowers must be aware of two critical factors:
1. **Extension fees:** If you cannot repay on day 30 and request a term extension, significant fees apply.
2. **Subsequent loans:** From the second loan onwards, standard micro-credit interest rates apply.
## Verified Alternatives
– **Solcredito:** Up to €1,000 for first-time applicants comparing top lenders with 0% APR.
– **QueBueno:** Direct lender with 10-minute automated bank transfer.
– **Binixo:** Up to €10,000 if you require higher amounts with extended terms up to 120 days.