It’s a flexible credit line of up to €50,000 directly linked to your Vivid Credit Card, designed exclusively for business use. It gives you fast access to funds whenever your business needs a boost. You get a 40-day fee-free period on all card purchases. That means you can spend freely for over a month without paying any fees or interest.
Credit Line is currently in beta and available exclusively to early users as we continue to refine and enhance the experience.
How fast can I get started?
Setup is instant. Application reviews may take a bit longer during beta, but once approved, your credit line is ready to use instantly via your Vivid Business account and card.
Where can I use my Vivid Business Credit Card?
Your Vivid Credit Card gives you direct access to your business credit line — for purchases online or in-store, as well as SEPA and international transfers.
Please note: ATM withdrawals and transfers to your own Vivid accounts are not permitted.
How does the 40-day fee-free period work?
All card purchases come with a 40-day fee-free period, meaning you won’t pay any credit or rollover fees if you repay your balance in full by the due date. Even SEPA and international transfers benefit from the same grace period (a 0.9% utilisation fee applies at the time of transaction).
How much does it cost after the fee-free period?
After the 40 days, only a 1.9% monthly rollover fee applies to any remaining balance.
Repayment
You can repay in equal monthly instalments of up to 12 months
How are instalments calculated?
Your total balance is divided into equal monthly instalments, each due within 11 months from your statement date. Every instalment includes the projected rollover fees, so you always see the full repayment amount upfront.
What if I miss a payment?
If a payment is missed, you’ll receive a reminder right away. A late fee may apply, and the unpaid amount will automatically be added to your next instalment. To stay on track effortlessly, you can enable automatic payments in your account.
Can I repay early?
Absolutely. You can repay part or all of your outstanding balance anytime, during or after the fee-free period, at no extra cost. Early repayments automatically adjust your remaining instalment schedule.
Does applying affect my SCHUFA score?
No, applying for or using the Vivid Business Credit Line has no impact on your SCHUFA score.