VIVA Finance review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 28, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.

Our verdict

VIVA Finance suits borrowers in US seeking a direct personal loan from Viva Finance, Inc. with clear terms and voice support. Amounts of up to $15,000 pair with terms of up to 36 and funding in 1 to 2 business days, which fits planned borrowing rather than urgent needs.

Key facts

Best for
Planned personal borrowing with flexible payoff and direct servicing
APR
11.99% to 35.99% (Source, checked September 28, 2026)
Loan amount
up to $15,000 (Source, checked September 28, 2026)
Term
up to 36 months (Source, checked September 28, 2026)
Funding time
1 to 2 business days (Source, checked September 28, 2026)
Representative example
A $4000 loan with $25 prepaid charge, 24 installments, 18.99% rate, 19.60% APR, $204.45 monthly (Source, checked September 28, 2026)
Lender type
Direct lender (Source, checked September 28, 2026)
Free early repayment
Yes (Source, checked September 28, 2026)
Eligibility
US residents aged 18 and over (Source, checked September 28, 2026)
Loan types
Personal (Source, checked September 28, 2026)
Legal entity
Viva Finance, Inc. (Source, checked September 28, 2026)
Headquarters
United States (Source, checked September 28, 2026)
Support channels
Email, Phone (Source, checked September 28, 2026)
Official website
viva-finance.com

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Free early repayment allows payoff ahead of schedule without added cost
  • Direct lender model of direct lender keeps servicing with Viva Finance, Inc.
  • Support through email and phone gives voice help alongside email
  • Clear access for US residents aged 18 and over with defined personal loan focus

Cons

  • Funding in 1 to 2 business days trails same day options seen across 85.9%
  • Loan choice covers personal only, without consolidation or line variants
  • Support runs on email and phone only, without chat or help centre

Ready to try VIVA Finance?

Scored 9.2 / 10 by BorrowCue.

See alternatives

Who it suits

  • Borrowers planning defined costs who want structured instalments
  • Borrowers who value free early repayment and direct servicing
  • Borrowers comfortable with email and phone support

Who should look elsewhere

  • Borrowers seeking lower headline pricing rather than 11.99% to 35.99% may prefer Ibancar Prestamos
  • Borrowers wanting card style revolving credit rather than personal may prefer AXI Card Tarjeta y Credito

How VIVA Finance compares

Where VIVA Finance is available

Available
United States
Licence in United States
NMLS (1905666), checked September 28, 2026

Countries from the brand (Source, checked September 28, 2026)

Frequently asked questions

What APR does VIVA Finance charge on personal loans?+

VIVA Finance lists APR of 11.99% to 35.99% for personal loans. The exact rate depends on credit profile and term, so comparison of total cost matters more than the headline range alone for budgeting.

How much can be borrowed and over what term?+

Amounts are offered with limits of up to $15,000 and terms of up to 36. That structure suits midsized planned costs repaid in instalments, with monthly amounts set at approval and disclosed before signing.

How fast is funding after approval?+

Funding completes in 1 to 2 business days after approval. That pace suits planned spending rather than urgent needs, as many personal loan brands advertise faster turnaround across 85.9%.

Who can apply for a VIVA Finance loan?+

Eligibility covers US residents aged 18 and over. Applicants provide proof of residence and meet credit and income checks, with final approval subject to verification and state availability.

Is VIVA Finance a direct lender and is it licensed?+

VIVA Finance operates as direct lender under Viva Finance, Inc. based in the United States. It holds NMLS licence 1905666, which supports identity checks and regulatory oversight for borrowers.

Can the loan be repaid early without a fee?+

Free early repayment is included, so extra payments or full payoff carry no added charge. Borrowers seeking flexibility benefit, though interest due to date still applies under loan terms.

How is support provided and is pricing illustrated?+

Help is available through email and phone. Published materials also include a representative illustration showing amount borrowed alongside prepaid charge, instalment structure, rate and monthly payment for cost review.

Sources

  • nmlsconsumeraccess.org checked September 28, 2026

    Backs: Licences

  • viva-finance.com checked September 28, 2026

    Backs: Loan amount, APR, Free early repayment, Funding time, Headquarters, Lender type, Loan types, Representative example, Term

    “VIVA Finance offers unsecured personal installment loans up to $15,000 in amount financed”

  • viva-finance.com/compliance checked September 28, 2026

    Backs: Legal entity

    “Viva Finance, Inc.”

  • viva-finance.com/contact-us checked September 28, 2026

    Backs: Support channels

    “info@viva-finance.com (678) 685 8834”

  • viva-finance.com/terms checked September 28, 2026

    Backs: Eligibility

    “intended only for personal, non-commercial use and display by U.S. residents aged 18 years and over”

Compiled from 5 source pages, checked September 28, 2026. We did not open an account.

Not confirmed yet: Arrangement fee, Credit check.

VIVA Finance

Planned personal borrowing with flexible payoff and direct servicing

9.2/10See alternatives

Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie policy
Cookie settings