VIVA Finance

Loan Amount : Up to $10,000

⚠️ MUST BE Employed to Qualify

APR : 11.99% - 35.99%
Loan Term : 24 Months
Credit Score : Poor to Excellent
Updated for : Sun 09 Mar 2025

Terms and conditions apply

Start Here

Get Free Credit Score

Overview

Affordable Loans for Employees

Affordable loans designed with your job in mind, and repayment plans that align with your income.

Up to $10,000
Apply in under 10 minutes
5-star customer service

VIVA Finance makes it simple to get started

Find your employer and create an account
Complete the pre-approval process and get your rate instantly
Accept your offer and set up direct deposit payments. Receive funds in as little 1 to 2 business days *

How can VIVA help you?

Debt Consolidation : Consolidate high-interest debts into one low monthly payment

Credit Card Refinancing : Refinance high-interest credit card debt with a low-cost loan from VIVA

Unexpected Expenses : A quick application and fast funding for unexpected expenses

Key Benefits

VIVA Finance

VIVA Finance was founded on the mission of building an inclusive financial system. Today, VIVA is focused on expanding access to affordable credit using an alternative underwriting model based primarily on employment. VIVA’s alternative lending model has empowered thousands of hard working Americans to achieve greater financial freedom.

VIVA Finance

Loan Amount : Up to $10,000

Terms and Conditions Apply

Start Here

Terms

* Loan funds are generally processed in 2 business days from the date the loan contract is signed. However, some applications may take longer to process.

VIVA’s loans are not provided by, sponsored, or endorsed by any employer. VIVA Finance is an optional resource and employers in no way benefit from VIVA’s loans. VIVA Finance is not directly affiliated with any employers and completely releases employers from any liability.

VIVA Finance offers unsecured personal installment loans up to $10,000 in amount financed. The minimum annual percentage rate (APR) on a VIVA Finance loan is 11.99% with a maximum APR of 35.99% including all applicable fees and loan costs. The term or repayment period of VIVA Program Loans is 24 months.

All loans are subject to the underwriting policies of VIVA Finance Inc. Terms and conditions apply. There are no penalties for early repayment.

Approvals are primarily based on employment information. Loan offer amount and rate may vary based on other factors such as your income and credit history.

VIVA Finance is not a bank. VIVA Finance loans are originated by Thread Bank, Member FDIC. Loans made by Thread Bank are subject to loan approval, terms, and conditions, which are subject to change at any time without notice.

Compare These Details When Searching for a Personal Loan

Searching for a personal loan is easier said than done for a variety of reasons. In addition to your financial requirements, you must take into consideration the hundreds of lenders that are willing to do business with you. Fortunately, once you know what you’re looking for, it’s much easier to narrow your options and make a final decision. Here are five details to compare when searching for a personal loan: 1. Reputation There’s never a good time to borrow from a lender with a less than stellar reputation. Taking this risk can backfire, as you may find yourself in a

How to Pay for a Home Renovation Project

Are you interested in tackling a home renovation project, but unsure of how to fund it? Are you concerned about biting off more than you can chew in regards to your budget? As a general rule of thumb, you shouldn’t do anything until you have a clear idea of how much your project will cost. There are two ways to figure this out: If it’s a DIY project, tally up the cost of all the material needed to complete it If you’re hiring a contractor, request three to five quotes from reputable providers in your area Either way, you’ll end

4 Ways To Improve Your Chances Of Getting A Personal Loan

4 Ways To Improve Your Chances Of Getting A Personal Loan Are you interested in applying for a personal loan? Do you have concerns about receiving an approval? There are many benefits of a personal loan, ranging from the competitive interest rate to the fixed monthly payment. While this may be just what you’re looking for, there is no guarantee of approval. Upon reviewing your finances, you may come to find that you can improve your chances of getting a personal loan. Here are some steps you can take: 1. Review Your Credit Report As you review your credit report,

Reviews

0.0

0.0 out of 5 stars (based on 0 reviews)

Excellent0%

Very good0%

Average0%

Poor0%

Terrible0%

There are no reviews yet. Be the first one to write one.

5 Times a Personal Loan Can Help

There may come a time in your life when you find yourself in need of extra money. While you have many options, you’ll first want to consider the benefits of a personal loan. Here are some reasons why a personal loan could be the perfect solution: It’s unsecured, meaning no collateral is required You can choose from a variety of terms Interest rates are competitive when compared to secured loans Note: if you have a strong credit history and high credit score, your chance of approval is much greater. Lenders base their decision largely on these factors, since they’re not

Types of Loans : The Basics

Types of Loans : The Basics It’s important to understand the basics associated with the many types of loans, as this will help you make an informed decision if the time comes to borrow money. There are three specific details to consider when categorizing and comparing loans : Secured vs. unsecured loans Open-ended vs. closed-ended loans Fixed rate vs. variable rate loans Let’s get started! Secured vs. Unsecured Loans Secured Loans With a secured loan, you guarantee payment through collateral, such as your home or a car. In the event that you default on the loan, the lender has the

Personal Loan Benefits Run Deep

Maybe you’re in need of money to pay for a major home renovation project. Maybe you want to travel the world. Perhaps you want to give your daughter the wedding of her dreams. While all of these things are exciting, they also cost money. And in most cases, plenty of it. If you don’t have the money or are reluctant to spend what you do have, there are options available to you. A personal loan is a good place to start. The benefits of a personal loan run deep, including but not limited to the following: 1. Borrow What You

VIVA Finance

VIVA Finance

Overview

Key Benefits

VIVA Finance

Terms

Compare These Details When Searching for a Personal Loan

How to Pay for a Home Renovation Project

4 Ways To Improve Your Chances Of Getting A Personal Loan

Reviews

Searching Lender Network

Gathering Best Results