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Affordable Loans
for Employees

Build Your Credit
Refinance Debt

Fast and affordable personal loans based on your employment instead of just your credit score.

Get Started
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Cover Expenses

Up to $10,000

Apply in Under 10 Minutes

Finance Designed with You In Mind

How does VIVA work?

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Find your employer and create an account

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Complete the pre-approval process and get your rate, instantly

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Accept your offer, set up auto-pay, and get your funds as soon as the next business day!

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Ready to get started?

How can VIVA help you?

VIVA helps hardworking people improve their financial well-being through affordable loans and financial education.

Debt Consolidation

Consolidate high-interest debts into one low monthly payment.

Debt Consolidation
Debt Consolidation

Credit Card Refinancing

Refinance high-interest credit card debt with a low-cost loan from VIVA.

Credit Card Refinancing
Credit Card Refinancing

Unexpected Expenses

A quick application and fast funding for unexpected expenses.

Cover Unexpected Expenses
Cover Unexpected Expenses

Ready to get started?

Five-Star Finance

See why our customers consistently recommend VIVA and rate us 5-stars!

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This has been a great experience along with the help of credit building. Easy plan and app. Great people. They're always professional and welcoming.

Cartonia

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I felt well taken care of by your representative. Very helpful. Thank you for helping teachers.

Schoneke

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Application process was super easy and the agent that assisted me with the loan process was so helpful and sweet! Definitely recommend

Krisalynn

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Ready to get started?

Keep Up with VIVA

Financial Empowerment Through Ethical Lending