Verdict
The first loan is identical at both firms: 3 000 PLN over 30 days, 0% RRSO, 15-minute decision, same-day disbursement. For a one-off client with an emergency there is no practical gap. Second and later loans differ subtly: Wonga is stricter on clients with delays — a first loan even a few days late rarely leads to a second. Vivus is more lenient.
The Wonga mobile app (from 2020) ranks higher than Vivus in user rankings. Full end-to-end phone experience, loan history, one-tap repayment, Blik payments. Vivus also has an app, but with fewer features and less intuitive UX.
Required BIK score for the first loan: Vivus 300+, Wonga 340+ (raised after the 2022 amendment). For clients with a very weak history Vivus is more accessible. For clients with a healthy profile but a delay history neither firm offers an edge.
Terms compared
| Product | Vivus | Wonga |
|---|---|---|
| First loan | up to 3 000 PLN, 0% RRSO, 30 days | up to 3 000 PLN, 0% RRSO, 30 days |
| Max later-loan amount | 7 500 PLN | ✓ 8 000 PLN |
| Minimum BIK score | ✓ 300 | 340 |
| Acceptance with delays | ✓ more lenient | stricter |
| Mobile app quality | basic | ✓ better (from 2020) |
| Owner | 4finance (Riga) | Wonga Group (UK) |
| Express disbursement (mBank/ING) | ✓ 15 minutes | 15–30 minutes |
Fits for
Vivus
- Clients with very weak BIK score (below 340)
- People with past payday delays
- Anyone chasing the fastest disbursement (mBank, ING)
Wonga
- Clients valuing a strong mobile app
- Anyone wanting to avoid rollovers — Wonga is stricter here
- Full-profile clients with score 400+
Frequently asked questions
Yes, both firms offer 0% RRSO on the first loan up to 3 000 PLN over 30 days if you repay on time. Even a one-day delay triggers costs per the tariff — that is where the loan turns expensive.
Technically yes, each firm pulls BIK separately. But banks and firms see both liabilities in BIK. Two active payday loans is a signal for the system that a third or fourth application will be declined.
Vivus (300+) is more lenient than Wonga (340+ after 2022). For clients with a very weak score Vivus offers better acceptance odds.