Viva Credit review
Updated October 12, 2026 · BorrowCue Editorial Team
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Our verdict
Viva Credit provides an online revolving credit line for borrowers in Romania who need flexible drawdowns from a client account. It suits people with stable salary, pension or self employed income who prefer managing withdrawals and repayments fully online directly.
Key facts
- Best for
- Flexible online drawdowns with repayments on used sums only
- Lender type
- Direct lender
- Loan types
- Personal
- Official website
- vivacredit.ro
Pros and cons
Pros
- Apply fully online using only your identity document for the initial request
- Move funds repeatedly from your client account to your card when needed
- Repay ahead of schedule and manage repayments through monthly options
- Adjust your available amount directly inside your online client account
Cons
- Available only in Romania, which restricts access for borrowers elsewhere
- Applications outside working hours wait until the next working morning
Ready to try Viva Credit?
Who it suits
- Borrowers wanting repeated online withdrawals rather than a single payout
- Applicants with salary, pension or self employed income and a bank card
- People comfortable managing drawdowns and repayments in an online account
Who should look elsewhere
- Anyone without a personal bank account or steady income
- Borrowers looking for in person branch service
Our full take
Viva Credit offers online loans in Romania with no income certificate or guarantor required.
How Viva Credit compares
8lends
myKredit
Dineria MX
Multitude
TengeDa
Jeff.vn
Finbro
Revolut
Bridgement
Frequently asked questions
Who can apply for Viva Credit?+
You need steady income from salary, pension or independent activity, plus a personal bank account with an attached card. You start the request online with your identity document only. An operator asks for further documents later if checks require them.
How does the Viva Credit line work?+
You complete the online form in a few minutes and receive a decision on your request. Once approved, you move funds from your client account to your card whenever you need them. At maturity, you return the sums you withdrew for the relevant period.
Where is Viva Credit available?+
Viva Credit serves borrowers in Romania through a fully online request and management process. You apply, draw funds and repay without visiting a branch. The service is designed for people who hold a local personal account and card.
What happens after your credit line is approved?+
Your funds are sent to your card, including outside standard hours and at weekends. Requests arriving outside working hours are processed on the morning of the next working day. You can then draw repeatedly from your client account as needs arise.
How do repayments work with Viva Credit?+
At maturity you repay the sums you transferred from your client account. You may also repay ahead of schedule and manage repayments through monthly options. Your available amount for future draws can be adjusted directly in your client account.
Sources
- vivacredit.ro checked October 9, 2026
Backs: Description
Compiled from 1 source page, checked October 12, 2026. We did not open an account.
Not confirmed yet: APR, Loan amount, Term, Arrangement fee, Credit check, Funding time, Representative example.
Viva Credit
Flexible online drawdowns with repayments on used sums only