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How soon do I get my funds?
After confirming your repayment option and signing your final loan contract you can generally expect funds in your account specified in 1-2 business days. 
What Documents are acceptable for the application?
Application documents vary based on employer and applicant. The most common documents needed are 2 most recent paystubs, a hire date documents, and a government issued identity.
How do I apply for a loan?
Visit our webiste and click "Get Started" to create your profile and begin your application.
What if I do not see my employer listed?
You can submit a New Employer Request on our website. The VIVA team will notfiy you via email if we are able to add your employer to our offerings.
If I payoff my loan, can I apply for a new loan?
Once the final payment for your current loan processes you will be able to begin a new application and prequalification against our most recent requirments for a loan.
Does VIVA report payments to the credit bureaus?
Yes! VIVA reports payments to all 3 credit bureaus. On-time payments can help build your credit score over time.
What are "Micro-Deposits"?
Micro Deposits are sent in the "Manual Verification" step of a VIVA application. They are two amounts of less than .10 cents. They will arrive in your specified bank account in 1-2 business days for you to confirm within your application.
Can I refinance my loan?
VIVA allows select customers to refinance their loan after 12 months. Your loan must be current, and payments must be made through payroll, in order for your loan to be eligible for refinance.
(678) 685 8834
112 Krog St NE, STE D145, Atlanta, GA 30307

You may apply, review and download your information, and make payments on the viva-finance.com website 24 hours per day, 7 days per week. If you need to speak with someone, you can reach us from 8 am to 8 pm Monday through Thursday, and 8 am to 5 pm on Friday. All times are Eastern.

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* 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.

A loan example: A $4000 loan with a prepaid finance charge of $25, and amount financed of $4,000, repayable in 24 monthly installments, and an interest rate of 18.99% would have an APR of 19.60% and monthly installments of $204.45. This would amount to the borrower paying back $4,906.80 in total.

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 Inc NMLS #1905666. NMLS Consumer Access.

South Carolina Residents:

VIVA Finance holds a Supervised Lender License in the state of South Carolina (SLW1 - 1905666). You can find the Maximum Rate Schedules for VIVA Finance here, here and here. A South Carolina consumer pamphlet can be found here. The Consumer Grantor Certificates for VIVA Finance can be found here, here and here.

New Mexico Residents:

Viva Finance holds a Small Loan Company License in the state of New Mexico here. You can find information about Common Terms and Definitions here and a Consumer Information Brochure here. Disclosures about our Loan Rate and Fees are available here.

TO REPORT A PROBLEM OR COMPLAINT WITH THIS LENDER, YOU MAY WRITE OR CALL Viva Finance Inc. Attention Disputes, 112 Krog Street NE, Suite D145, Atlanta, GA 30307. Phone: 678-685-8834, Email: info@viva-finance.com. New Mexico Only: This lender is licensed and regulated by the New Mexico Regulation and Licensing Department, Financial Institutions Division, P.O. Box 25101, 2550 Cerrillos Road, Santa Fe, New Mexico 87504. To report any unresolved problems or complaints, contact the division by telephone at (505) 476-4885 or visit the website https://www.rld.nm.gov/financial-institutions/.

Alabama Residents:

VIVA Finance holds a Small Loan License, which can be found here, and a Consumer Credit License which can be found here.

Michigan Customers:

Viva Finance Inc. Is licensed and regulated by the Michigan Department of Insurance and Finance, PO Box 30220, Lansing MI. To contact the Department by Telephone, please call 877-999-6442 (Toll-Free). To contact the Department by email, please write to DIFSInfo@michigan.gov.

Loans from VIVA Finance, Inc. are not currently available to active members of the military and/or their dependents.

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.

VIVA Finance, Inc. © 2024
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