Affordable Personal Loans
Don't let bad credit get you down, VIVA loans are here to help! Check your rate to get started!
Loans up to $10,000
Terms Up to 24 Months
Funds as Soon as Tomorrow
The VIVA Difference
For illustrative purposes only.
Find your employer and create an account
Complete the pre-approval process and get your rate, instantly
Accept your offer, set up auto-pay, and get your funds as soon as the next business day!
VIVA personal loans for bad credit are based on employment instead of just your credit score. Auto-pay through direct deposit makes repayment a breeze!
See why our customers consistently recommend VIVA and rate us 5-stars!
Ready to get started?
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 32.75% including all applicable fees and loan costs. The minimum term or repayment period of VIVA Finance loans is 5 months with a maximum term or repayment period of 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.