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VIVA offers these programs for loan cure and forbearance.
1
Direct Deposit Cure Program
The Direct Deposit Cure Program allows you to bring your loan current without having to pay the full past due balance in a lump-sum. To participate in the Direct Deposit Cure Program, you will need to set up your payments through payroll direct deposit for your standard deduction amount.
(You can locate your standard deduction amount in your original loan offer email.)
Once we receive two consecutive months of payments through payroll, your account will be “cured” and returned to a current status. Your loan would then be reported as current to the credit bureaus.
Please contact VIVA using one of the options below if you are interested in the Direct Deposit Cure Program.
Call 855-282-5021
Text “CURE” to 866-870-2603
Email “CURE” to payments@viva-finance.com
2
Minimum Payment Forbearance
The minimum payment forbearance is designed to assist customers who are facing financial challenges resulting from medical or economic hardship (examples include surgery, unemployment, etc). VIVA will allow for up to 3-months of half payments to allow for you to get back on track. To be approved for the forbearance, you will have to speak with a VIVA rep and demonstrate that you are experiencing one of these said hardships.
Please contact VIVA using one of the options below if you are interested in Minimum Payment Forbearance.
Call 855-282-5021
Text “Accommodations” to 866-870-2603
Email “Accommodations” to payments@viva-finance.com
3
Holiday Forbearance
The Holiday Forbearance is designed to assist customers who are experiencing a temporary discontinuance of pay. This can occur when a customer is on medical leave, if they are out of work due to illness, or if they do not get paid for a fixed period due to an unforeseen event.​ The way it works is that VIVA will provide the customer a one-month pay Holiday while they are temporarily not receiving payments. VIVA will expect payments to occur after the Holiday period is over. ​VIVA requires that a customer will return to making payments through payroll after the Holiday period.
Please contact VIVA using one of the options below if you are interested in Holiday Forbearance.
Call 855-282-5021
Text “Accommodations” to 866-870-2603
Email “Accommodations” to payments@viva-finance.com
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