Verdict
First loan: both firms offer 0% RRSO up to 3 000 PLN over 30 days. Vivus in the classic model, SuperGrosz with an instalment-conversion option after on-time repayment.
SuperGrosz's hybrid model is the main differentiator. For clients unsure whether a single-shot repayment will fit, SuperGrosz gives flexibility — the payday can extend into instalments after the first. Vivus lacks this option.
Terms compared
| Product | Vivus | SuperGrosz |
|---|---|---|
| First loan | up to 3 000 PLN, 0% RRSO | up to 3 000 PLN, 0% RRSO |
| Later payday | ✓ up to 7 500 PLN | up to 3 000 PLN |
| Instalment loan | up to 15 000 PLN (RRSO 45–65%) | ✓ up to 25 000 PLN (RRSO 45–68%) |
| Payday-to-instalment conversion | no | ✓ yes |
| First-loan BIK score | 300+ | 300+ |
Fits for
Vivus
- One-off payday clients with a certain repayment source
- Anyone valuing a larger later-payday amount
- Clients used to the classic model
SuperGrosz
- Clients unsure whether single-shot repayment will fit
- Anyone planning a larger amount in instalments (up to 25 000 PLN)
- Clients valuing the conversion option
Frequently asked questions
Does SuperGrosz allow conversion of a payday into instalments?+
Yes, for clients repaying the first payday on time. Vivus does not — a payday is either repaid single-shot or you go through a fresh instalment-loan application.
Which lender accepts a lower BIK score?+
Both firms accept score 300+ on the first loan. No practical gap here.