Who owns Vivigo
Soonly Finance sp. z o.o. (formerly 4F Capital), KNF Lender Register entry: KIP-000005. Soonly Finance is part of the international 4finance Group, active in 11 countries. The brand change from Vivus to Vivigo in 2024 was aimed at refreshing the visual identity. The product stayed the same: an online chwilówka.
The 0% RRSO promo on a first loan
A first-time Vivigo client gets a 100-3 000 PLN loan for 30 days at zero cost (RRSO 0%). Condition: repayment on time. Even a one-day slip triggers retroactively the full statutory cost — 25% commission of principal plus default interest. Short version: the promo works only if you settle precisely on the day.
Repeat loans — real RRSO
Second and later loans: the maximum amount rises to 7 200 PLN over 30-61 days. RRSO settles at 295-297%, the statutory maximum. Representative example: 5 900 PLN over 30 days — RRSO 297.33%, cost 708 PLN (638 PLN commission + 70 PLN interest), you return 6 608 PLN on day thirty. That's the 2026 chwilówka market rate.
Decision and payout speed
Vivigo uses Kontomatik to verify the account — decision in 5 minutes after account connection. Payout 15-30 minutes from decision in business hours. Evenings and weekends: the next Elixir Express session. Short version: Vivigo pays out faster than a bank, slower than the advertised „15 minutes”.
My take: when Vivigo makes sense
Makes sense: a first loan of 100-3 000 PLN for 30 days with a certain settlement date (salary, scholarship, tax refund). Then 0% RRSO is real zero cost. Doesn't make sense: a second or third loan with Vivigo in a cycle — RRSO 297% eats the budget fast. If you regularly need financing, an instalment loan at Smartney (RRSO 50-60%) is cheaper over a year.