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Affordable Loans
for Employees.
Get Started
Up to $10,000
Apply in under 10 minutes
5-star customer service

Affordable loans designed with your job in mind, and repayment plans that align with your income
How VIVA works?

1
Find your employer and create an account
2
Complete the pre-approval process and get your rate instantly
3
Accept the offer and set up
your payroll payments.
Receive funds next business day!
Check your rate
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
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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