The Breakdown

Vivus är det absolut största smslån företaget som finns i Sverige. Vivus har ända sedan starten erbjudit sina nya låntagare ett helt räntefritt smslån upp till 6000 kr. För återkommande kunder så finns möjligheteten att låna upp till 20 000 kr. Vivus har en fast avbetalningstid på 30 dagar för alla belopp och kunder men med möjligheten att förlänga lånet vid behov.

Vivus lån utan UC – SMSlån utan ränta


Vivus drivs av 4Finance Group som bedriver utlåningsverksamhet i flera länder i Europa. De har även en inlåningsverksamhet där man kan spara pengar på ett sparkonto hos dem till en väldigt hög ränta. Vivus har funnits i flera år och är en av de få långivare i Sverige som alltid erbjuder räntefria lån till sina nya låntagare. Första lånet man som låntagare tar hos Vivus lån hela vägen upp till 6000 kr är helt räntefritt – smslån utan ränta. Därefter så kan man låna i olika steg hela vägen upp till 20 000 kr. Löptiden hos Vivus är fastsatt till 30 dagar oavsett hur stort lånet är som man tar.

Samma företag som driver Vivus snabblån driver även den stora långivaren Onea. Så det är en av de stora jättarna inom mikrolån och smslån i Sverige.

Mer om Kontakta

Låna pengar hos Vivius

Vivus lån har ett lån de erbjuder sina låntagare men med olika villkor:

  • Mikrolån på upp till 6000 kr under 30 dagar räntefritt lån för nya låntagare –  rentefri (smslån utan ränta)!
  • Mikrolån på upp till 20 000 kr under 30 dagar för återkommande kunder

För att kunna låna det högsta beloppet så krävs det att man har lånat ett par gånger tidigare hos Vivius för att på det sättet visa att man är kreditvärdig. Men man kan alltid oavsett om man har lånat hos Vivus tidigare eller inte låna upp till 6000 kr utan några problem.

Det finns ingen annan löptid än 30 dagar men man har möjligheten att till en låg kostnad förlänga sitt lån med upp till 30 dagar per gång. Det finns inte heller någon gräns för hur många gånger man kan förlänga lånet utan det avgör man som låntagare själv. Vilket är en stor fördel gentemot andra långivare.

Krav för att bli beviljad ett lån hos Vivus

För att bli beviljad ett lån hos Vivus smslån krävs det att man uppfyller de här generella kraven:

  • Minst 18 år
  • Folkbokförd i Sverige i minst tre år
  • Svenskt bankkonto
  • Genomgå en sedvanlig kreditkontroll (utan UC)

Beroende på hur stort lånet är som man ansökt om så kan det finnas andra krav som Vivus snabblån ställer på sina låntagare. Det finns även krav som vi nämnt om att man måste ha lånat pengar hos Vivus lån tidigare för att kunna ansöka om de större beloppen.

Kreditupplysning hos Vivus lån utan UC

Vivus använder sig inte av Upplysningscentralen för sina kreditupplysningar utan använder sig istället av Creditsafe. Det betyder i korthet att ingen information om att en ansökan om ett lån hos Vivus kommer att registreras och den enda kopian som finns skickas till låntagaren. Så man undviker att det kommer att visas upp om man ansöker om ett lån någon annanstans.


Vivus godkänner betalningsanmärkningar hos sina låntagare. Det får däremot inte finnas något skuldsaldo hos Kronofogdemyndigheten. Då kommer inte lånet att beviljas.

Vivus tittar nämligen på en låntagares samlade förmåga att återbetala sitt lån och inte enbart på om man haft problem tidigare. Så om det enda problemet är en betalningsanmärkning så är detta inte ett hinder till att få ett lån beviljat hos Vivus.

Övrigt om Vivus

Vivus lån drivs av ett av Europas största långivare och är verksamma i flera andra länder. Utöver Vivus så äger samma företag även Onea och en del andra långivare. Vivus har därför stora möjligheter att fortsätta att växa i samma takt som de har gjort hittills. Då de även erbjuder räntefria lån på upp till 6000 kr till sina nya låntagare så är det ett väldigt bra företag att låna pengar ifrån. Då man enkelt sparar stora summor på att använda sig av räntefria smslån mot att använda sig av de som inte är räntefria.

Vivus lån har även väldigt låga krav på sina låntagare och det gör att nästan alla som ansöker om ett lån blir beviljade. Det krävs stora problem med sin privatekonomi för att man inte ska få ett lån beviljat hos Vivus.

 Fördelar med Vivus

+ Utbetalning på helger

+ Direktutbetalning till vissa banker

+ Accepterar betalningsanmärkningar

+ Räntefria lån för nya kunder

Nackdelar med Vivus

‒ Dyrt att förlänga lånen

‒ Enbart 30 dagar i löptid

Ansök nu!


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