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Affordable Loans
for Employees.

Up to $10,000
Apply in under 10 minutes
5-star customer service
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Affordable loans designed with your job in mind, and repayment plans that align with your income

How does VIVA work?
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1

Find your employer and create an account

2

Complete the pre-approval process and get your rate instantly *

3

Accept your offer and set up direct deposit payments. Receive funds in as little 1 to 2 business days *

* Rate provided during pre-approval when we are able to obtain a consumer credit file. For best results, please make sure your credit file is not locked or frozen.

How can VIVA help you?
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Debt Consolidation
Consolidate high-interest debts into one low monthly payment
Credit Card Refinancing
Refinance high-interest credit card debt with a low-cost loan from VIVA
Unexpected Expenses
A quick application and fast funding for unexpected expenses
Our Customers' Reviews
Schoneke
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I felt well taken care of by your representative. Very helpful. Thank you for helping teachers
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This has been a great experience along with the help of credit building. Easy , great people. Always professional and welcoming
Cartonia
Frequently Asked Questions
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Financial Empowerment through Ethical Lending
VIVA Finance was founded on the mission of building an inclusive financial system. Today, VIVA is focused on expanding access to affordable credit using an alternative underwriting model based primarily on employment. VIVA's alternative lending model has empowered thousands of hard working Americans to achieve greater financial freedom.
VIVA Finance Inc.
NMLS #1905666
(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.

Contact Us
Terms of Service
Compliance
Privacy Policy

* 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.

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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. © 2025
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