Vivus.mx

1. Introduction

Vivus.mx is a Mexican online consumer-loan service focused on small, short-term personal loans processed fully online. Its public site says first-time users can request up to MXN 3,000, while returning users may access up to MXN 12,000 from their profile. The Google Play listing describes the service as online installment-style credit from MXN 300 to MXN 12,000.

This type of service is usually used by people who need quick cash before payday, want help with an emergency expense, or need a small short-term loan without branch visits or heavy paperwork. Vivus markets the product as fast, online, and paper-light, with funds arriving in the borrower’s account quickly after approval.

Its main strengths are speed, full online access, a known lender identity, several repayment methods, and extension options. Its main weak points are cost and penalty risk. Vivus’s own terms show very high annualized cost for the core product and meaningful extra commissions, while late payment can trigger daily moratory interest, collections activity, and negative credit-history impact.

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2. What kind of organization is this

Vivus is presented publicly as a product of Difinance, S.A. de C.V., SOFOM, E.N.R. The official website footer names that company directly and gives its address as Ceres 23, Crédito Constructor, 03940, Benito Juárez, Ciudad de México. The Google Play listing repeats the same legal entity and address.

That means Vivus is not a bank and not a loan broker. It is best classified as a direct non-bank fintech lender operating as a SOFOM, E.N.R. in Mexico. Its public pages say Vivus does not operate with intermediaries and that the credit request must be made personally by the applicant.

Country of operation is Mexico. The site repeatedly frames the service for borrowers in the Estados Unidos Mexicanos, and the app listing says applicants must be Mexican, live in Mexico, have a Mexican debit bank account, and hold a valid INE. Vivus appears to work online only for normal applications. The site emphasizes no in-person paperwork and a digital process through the website or app.

In market-positioning terms, Vivus presents itself as a recognized global online-loan brand with local support in Mexico. That is brand positioning, not proof of low cost or superior service. The more useful signal is that it publishes a real lender identity, terms, customer-service channels, and UNE details.

3. How the service works

Vivus structures its product as a short-term online personal loan. On the main site, the visible public offer is up to MXN 3,000 for first loans and up to MXN 12,000 for repeat borrowers, with public term sliders showing 7 to 30 days. The Google Play listing presents a broader product frame: MXN 300 to MXN 12,000 with digital repayment terms from 62 to 365 days, which suggests either segmented products or a broader app-based offer than the homepage slider alone shows.

The official terms page provides the clearest cost disclosure. It states that the ordinary monthly interest rate is 42.58% plus VAT, the annual fixed rate is 511% plus VAT, and commissions apply for opening, disbursement, and investigation. It also shows a public CAT example of 9,150.33% without VAT for MXN 8,000 over 60 days in two payments. That makes clear the product is high-cost credit, even if the process is simple.

Vivus says the application process is quick. The website says users complete the request in minutes, confirm identity with an INE photo, and, once approved, receive the money in their bank account in less than 1 hour on the product page, while the broader site wording says same day or very fast. The app listing describes the service as receiving a loan “in cuestión de minutos.”

The process is fully online. Vivus highlights no in-person formalities, minimal documentation, digital identity confirmation, online repayment, and app access. That makes it a true online-first lender rather than a branch-based lender with a web form.

4. How to get a loan

Registration

The first step is choosing the amount and term in the online simulator, then continuing to the registration form. Vivus’s “Cómo funciona” page says users start with the simulator and then continue filling out the registration form with personal and banking information.

Filling in the application

Vivus says the applicant provides personal and financial data so the request can be evaluated quickly and safely. The public pages mention details such as name, address, income, and banking information.

Identity verification

Identity confirmation is explicit. Vivus says it requests a photo of the INE to validate identity. The app listing also requires a valid INE, a debit bank account, and CURP if not already embedded in the voter ID.

Income or employment confirmation

Vivus’s public pages say the form may ask for income and other relevant data. The app listing does not require formal collateral or guarantors, but the site clearly states that approval is subject to internal policies and credit evaluation. In practical terms, this means the lender reviews affordability even if the process is quick.

Choosing the loan amount and term

For the core site offer, first loans are up to MXN 3,000, repeat loans up to MXN 12,000, and terms shown publicly are 7 to 30 days. The app listing shows a wider duration frame of 62 to 365 days. The live approved offer matters more than the landing-page slider.

Signing the agreement

Vivus does not expose the full signing workflow on the public landing page, but the site and app make clear that the loan is requested personally, under Vivus terms, and only after approval and identity confirmation. In practice, the agreement is concluded digitally through the website or app.

Receiving the funds

Once the loan is approved, Vivus says the funds are transferred to the borrower’s bank account quickly. The product page says less than 1 hour, while broader official wording says same day, and the app listing says the service delivers the loan in minutes. Depending on bank processing, actual arrival may still vary.

How long the process usually takes

A practical summary is:

Stage

Public Vivus picture

Form completion

A few minutes

Identity confirmation

Fast, document-based

Initial approval

Minutes

Disbursement after approval

Often under 1 hour, sometimes same day

These are Vivus’s own public claims, not guaranteed service-level commitments for every case.

Is approval automatic or manual?

The front-end looks highly automated, but approval is still conditional. Vivus says approval depends on credit evaluation, information quality, uploaded photographs, and internal policies. That means the process is digital and fast, but not unconditional.

Can bad-credit borrowers apply?

Yes, they may apply. Several official public pages say Vivus offers loans “sin buró” or says prior credit history is not necessarily an obstacle. But the same terms page confirms regular credit review and internal underwriting. So weak-credit users can apply, but approval is not guaranteed.

5. Loan requirements and eligibility

The clearest public checklist comes from the app listing and FAQ-style pages.

Requirement

Publicly stated

Minimum age

18+

Citizenship / residency

Mexican and living in Mexico

ID

Valid INE

CURP

Required if not already on INE

Bank account

Debit bank account in borrower’s name

Email

Active email on FAQ-style pages

Phone

Needed for contact and account use

Vivus’s own public content says applicants need official identification, a bank account, and an active email, while the app listing adds the requirement to be Mexican and reside in Mexico.

Required documents are minimal compared with a bank, but not nonexistent. Publicly supported items are:

• INE,

• CURP where needed,

• bank account,

• email,

• personal and financial information.

The reviewed public pages do not state that formal salaried employment is mandatory. Vivus asks for income-related data, but not a rigid payroll-only requirement on the public pages reviewed. Self-employed users may therefore be able to apply, but the exact acceptance standard depends on underwriting.

6. Loan terms and conditions

This is the most important section.

Publicly visible loan terms

Item

Public Vivus disclosure

First-loan limit on main site

Up to MXN 3,000

Repeat-loan limit on main site

Up to MXN 12,000

App range

MXN 300 to MXN 12,000

Main-site term slider

7 to 30 days

App term range

62 to 365 days

Annual fixed rate

511% plus VAT

Monthly ordinary rate

42.58% plus VAT

Commissions

Opening 4%, disbursement 1%, investigation 2.5%, plus VAT

CAT example

9,150.33% without VAT on MXN 8,000 for 60 days in 2 payments

The official terms page is the strongest pricing source here. It states the annual fixed rate, monthly ordinary rate, and three commissions clearly. That is enough to classify Vivus as high-cost short-term digital credit.

Minimum and maximum amount

Depending on source and product view:

• MXN 300 to MXN 12,000 in the app listing,

• up to MXN 3,000 first loan and up to MXN 12,000 repeat loans on the main site.

Loan term

On the public website, users choose between 7 and 30 days. The app listing shows a wider digital term frame of 62 to 365 days. That suggests product or channel variation, so the borrower should verify the exact approved term in the live contract.

Interest rate and CAT

Vivus publishes unusually concrete numbers:

• ordinary monthly rate: 42.58% + VAT

• annual fixed rate: 511% + VAT

• CAT average example: 9,150.33% without VAT for MXN 8,000 / 60 days / 2 payments.

First loan conditions

Public pages do not clearly guarantee that the first loan is interest-free. The main-site simulator shows ordinary interest and commissions even on the entry-level public example. So the correct reading is: first loans are smaller, not automatically free.

Penalties for late payment

Vivus’s terms page states that late payment can lead to:

• moratory interest at a fixed annual rate of 776.88%, equivalent to 2.158% daily,

• collection efforts by phone and at the borrower’s address,

• negative credit-history impact,

• legal consequences linked to contract breach.

Extension / rollover options

Vivus does offer extensions. Multiple official public pages say borrowers can extend the due date by paying the corresponding cost through the website or by contacting support. The product pages say extension is easy, but costs apply.

Early repayment rules

A clean public early-repayment tariff was not exposed in the reviewed primary pages. Borrowers should therefore verify early-settlement terms in the live account or contract before assuming cost-free early closure. Because Vivus is a direct lender with card and transfer repayment options, early repayment is operationally possible, but the exact contractual calculation should be checked.

Hidden fees or service charges

The main costs are not hidden, but they are significant:

• opening commission,

• disbursement commission,

• investigation commission,

• interest,

• and late-payment moratory interest if overdue.

7. Supported payout methods: how users can receive the loan

Vivus is clear that the loan is deposited into the borrower’s bank account. The public site says funds are sent to the account quickly after approval, and the app listing requires a debit bank account.

Receiving method

Public status

Bank account

Clearly supported

Debit card payout

Not separately described as payout rail

IBAN / local transfer

Mexican bank-account transfer equivalent

E-wallets

Not confirmed

Mobile wallets

Not confirmed

Cash pickup

Not supported in reviewed pages

Local payment systems

Not used as payout channels

The most common and clearly supported route is bank-account transfer. Name matching should be assumed because the service verifies identity and requires the borrower’s own debit account. There is no public support for third-party accounts.

8. Supported repayment methods: how to repay the loan

Vivus publicly lists several repayment methods.

Repayment method

Publicly stated

Online portal

Yes

Bank transfer / SPEI

Yes

OXXO Pay

Yes

Pay Cash

Yes

Cash payment at OXXO / Pay Cash points

Yes

Card repayment

Implied through online portal, but not always separately broken out

Mobile app / personal account

Yes, through website/app account

ATM / terminal

Not specifically highlighted beyond partner cash networks

Official public pages say borrowers can repay through:

• the online portal,

• bank transfer,

• Pay Cash,

• OXXO Pay.

What requisites are needed

Public pages do not list one universal payment template, but in practice the borrower will need the correct account instructions or payment reference generated through the Vivus account, especially for OXXO Pay or Pay Cash barcode-based payments. If using transfer, the borrower should use the correct reference number and lender instructions shown in the personal area. This is consistent with Vivus’s repeated direction to use the portal and its cash-payment partners.

How to fill in payment details correctly

The safest method is to generate the payment inside the Vivus portal when possible, or use the lender-provided reference for OXXO Pay, Pay Cash, or transfer. Incorrect reference data can delay posting. This is especially important because Vivus warns that transfer-based payments may take longer to be recognized.

How long repayment takes to reflect

The clearest timing clue in the public material is that card/instant-style payment updates faster than manual transfer. A Vivus FAQ page from the same global brand family states transfer payments can take up to two days to arrive, while immediate methods update much faster. Even if that page is not Mexico-specific, it aligns with standard payment mechanics and supports the practical recommendation not to leave transfer repayment to the last minute.

What happens if payment is delayed

If payment is delayed:

• moratory interest applies,

• collections contact may begin,

• credit history can be affected,

• legal consequences can follow.

Should the borrower keep receipts?

Yes. This is especially important for OXXO, Pay Cash, and bank transfers. Because transfer and cash-network payments can take time to reflect, keeping receipts and payment confirmations is basic protection if the account is not updated immediately. This recommendation follows directly from Vivus’s multi-channel repayment structure and its warning about delayed-payment consequences.

9. Advantages and disadvantages

Advantages

Disadvantages

Fast, fully online process

Very high cost

Direct lender, not broker

Heavy commissions

Clear legal identity

Very high CAT on disclosed example

Multiple repayment channels

Severe moratory interest if late

Extensions available

Public product ranges differ by channel

Active support and UNE disclosure

High-risk product for repeated use

These conclusions come directly from the official pricing and support disclosures.

10. Who this service may suit

Vivus may suit:

• users needing urgent money until payday,

• users needing a small short-term loan,

• users wanting online-only access,

• people able to repay on time with confidence,

• borrowers who value several repayment methods.

It should be avoided by:

• anyone likely to pay late,

• borrowers already under debt stress,

• users seeking low-cost financing,

• anyone who may rely on repeated extensions.

11. Risks and important things to check before applying

The first thing to check is the real total cost. Vivus discloses enough to show that the loan is expensive, even before default.

The second thing to check is the late-payment penalty. Moratory interest at more than 2% daily is a serious risk.

The third thing to check is whether you are relying on an extension. Extensions exist, but they cost money and are not a substitute for a realistic repayment plan.

The fourth thing to check is the repayment method and timing. Portal payments and immediate methods are operationally safer than last-minute bank transfers. Keep receipts and do not assume a transfer will reflect instantly.

This kind of service is suitable only for genuine short-term emergencies. Using high-cost online credit as an ongoing budget-management tool is a bad pattern and can easily spiral. That is not a moral warning; it is the direct financial implication of the disclosed cost structure.

12. Customer support and communication channels

Vivus publishes a stronger support structure than many small lenders.

Channel

Public detail

Website

vivus.com.mx / vivusmx.com

Mobile app

Yes, Google Play

Email

info@vivusmx.com

Phone

(55) 9417 6019

UNE holder

Fernando del Razo López

UNE hours

Monday to Friday, 9:00 to 17:00

Customer-service hours on site

Monday to Sunday, 8:00 to 20:00

These channels appear on the site and app listing. That gives Vivus a comparatively solid public support footprint. Whether support is consistently effective is harder to verify from public pages alone, but the channels are real and clearly published.

13. FAQ

What is Vivus.mx?

A Mexican direct online lending service for short-term personal loans. It is a product of Difinance, S.A. de C.V., SOFOM, E.N.R.

Is it a direct lender or a broker?

Direct lender. The official site names Difinance as the lender and says Vivus does not operate through intermediaries.

How fast can I get money?

Publicly, Vivus says approved funds can arrive in less than 1 hour, often the same day, and the app says in minutes. Timing still depends on verification and the bank used.

What documents do I need?

At minimum: valid INE, debit bank account, and CURP when needed. Public site pages also mention active email and personal/financial information.

Can I get a loan with bad credit?

You may apply, and Vivus markets access even without strong credit history, but approval is still subject to its own evaluation.

What payment systems are supported for receiving money?

Bank-account transfer is the clearly supported payout route.

How can I repay the loan?

Through the online portal, bank transfer/SPEI, OXXO Pay, and Pay Cash.

What requisites do I need for repayment?

Usually the payment reference or barcode generated through your Vivus account, or the lender’s transfer instructions. Keep receipts, especially for OXXO and transfers.

Can I repay early?

Possibly yes in practice, but the reviewed public pages do not provide a clean early-repayment cost summary. Verify in your live contract or account.

What happens if I miss the due date?

Moratory interest can apply at a rate equivalent to 2.158% daily, collections contact can begin, and your credit history may be affected.

Can I extend the loan?

Yes. Vivus says you can request an extension through the website or with an adviser, but costs apply.

Is the first loan interest-free?

No universal public guarantee of that was found on the reviewed official pages. The public simulator already shows interest and commissions on the visible example.

Can I receive money on someone else’s card?

No public support for that was found. The prudent assumption is that the bank account must belong to the borrower and match the verified identity.

How do I contact support?

Use info@vivusmx.com or (55) 9417 6019. For formal user attention, the app listing provides UNE details and hours.

Is this service safe to use?

It appears to be a real operating lender with public identity, terms, and UNE channels. The main risk is financial, not whether the company exists.

14. Final conclusion

Vivus.mx is a real Mexican direct online lender with a simple digital process, fast approval, clear lender identity, and several repayment options. Those are real strengths.

Its main limitations are cost and default risk. The disclosed annualized pricing is extremely high, commissions are material, and the moratory-interest regime is severe. This is not a casual-use credit product.

Best fit: a borrower in Mexico with a real short-term emergency and a very clear repayment plan. Poor fit: anyone uncertain about paying on time, anyone already carrying debt pressure, or anyone looking for low-cost credit.

LOANS FOR MEXICO CITIZENS