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VIVA Finance is an Atlanta-based financial services company that provides personal installment loans of up to $15,000 to employed Americans. The platform uses an alternative underwriting model that weighs employment status alongside credit history, making affordable credit accessible to a broader range of workers.
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About VIVA Finance
Loan amounts
Up to $15,000
APR range
11.99% to 35.99%
Maximum loan term
36 months
Funding time
1 to 2 business days after signing
Application time
Under 10 minutes
Customer service hours
Mon-Thu 8am-8pm, Fri 8am-5pm Eastern
Headquarters
Atlanta, GA, United States
NMLS number
1905666
VIVA Finance positions itself in the affordable lending segment, targeting working Americans who may be underserved by traditional credit scoring models. Its core philosophy centers on employment-based underwriting, meaning a steady job carries significant weight in the approval process. The company offers fixed-rate personal loans with APRs ranging from 11.99% to 35.99%, repayable over up to 36 months, and supports repayment through direct deposit payroll deductions. Beyond loans, VIVA Finance also provides credit building tools, credit tracking, and insurance products, making it a broader financial wellness platform rather than a single-product lender.
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Ready to use with your order at VIVA Finance.
New borrowers who set up direct deposit repayment may receive expedited processing with funds available within one business day.
Example promotion
This is an example of a promotion that could suit this business. It is not a guaranteed active offer or a working discount code. Check the website for current deals.
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VIVA Finance in the news
Recent updates and background about VIVA Finance, summarised in our own words.
VIVA Finance and DRB Join Forces on Employment-Based Lending
VIVA Finance has entered into a partnership with DRB to expand its employment-based lending model. The collaboration is aimed at making this type of financing available to a broader group of workers.
Viva Airlines Uses JOLCO Structure to Finance New A321neo
Viva has completed its first Japanese Operating Lease with Call Option, known as a JOLCO, to fund the acquisition of a new Airbus A321neo aircraft. This financing method is commonly used in the aviation sector for fleet expansion. Note: this item appears to refer to an airline rather than VIVA Finance the fintech company.
BenefitHub Adds VIVA Finance to Its Benefits+ Platform
BenefitHub has chosen VIVA Finance as a core provider of financial wellness services on its Benefits+ platform. The selection positions VIVA Finance as a central component of the financial wellbeing offerings available to platform users.
Summaries by Image Review based on publicly available sources and our own editing. External links may contain affiliate links.
What others ask about VIVA Finance
Answers to the most common questions, based on search behaviour and our own research.
Is VIVA Finance a legitimate and trustworthy lender?
VIVA Finance is a registered lender with NMLS number 1905666. Loans are issued in partnership with Thread Bank and DR Bank, both FDIC members, and the company holds licensed Supervised Lender status in South Carolina among other states.
How quickly will I receive my loan funds?
Once the loan contract is signed, funds are generally processed within 1 to 2 business days. Some applications may take longer depending on the information provided.
Do I need a good credit score to get approved?
VIVA Finance primarily bases approvals on employment information rather than credit score alone. Loan amount and interest rate may still vary based on income and credit history.
How do I repay my VIVA Finance loan?
Repayment is set up through direct deposit, meaning installments are automatically deducted from your payroll. There are no penalties for early repayment.
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