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Affordable Loans
for Employees.

Get Started
Up to $10,000
Apply in under 10 minutes
5-star customer service
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Affordable loans designed with your job in mind, and repayment plans that align with your income

How VIVA works?
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1

Find your employer and create an account

2

Complete the pre-approval process and get your rate instantly

3

Accept your offer and set up direct deposit payments. Receive funds next business day.

Check your rate
How can VIVA help you?
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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
Our Customers' Reviews
Schoneke
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I felt well taken care of by your representative. Very helpful. Thank you for helping teachers
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This has been a great experience along with the help of credit building. Easy , great people. Always professional and welcoming
Cartonia
Frequently Asked Questions
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Financial Empowerment through Ethical Lending
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.
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