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 settingsCookie policy

VIVA Finance review

Updated September 29, 2026 · SumCue 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. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

VIVA Finance suits adults resident in the United States seeking a personal loan from a direct lender with published pricing at APR of 11.99% to 35.99%. Funding arrives within 1 to 2 business days with early repayment without added cost, while amounts reach up to $15,000 for those meeting US residents aged 18 and over.

Key facts

Best for
Adults in the United States seeking direct personal credit with clear pricing
APR
11.99% to 35.99%↗
Loan amount
up to $15,000↗
Term
up to 36 months↗
Funding time
1 to 2 business days↗
Representative example
A $4000 loan with $25 prepaid charge, 24 installments, 18.99% rate, 19.60% APR, $204.45 monthly↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
US residents aged 18 and over↗
Loan types
Personal↗
Legal entity
Viva Finance, Inc.↗
Headquarters
United States↗
Support channels
Email, Phone↗
Official website
viva-finance.com

Facts checked September 28, 2026, 4 sources

Apps and profiles

Elsewhere
LinkedIn

Pros and cons

Pros

  • Personal loan focus through personal keeps the offer clear for general purpose borrowing
  • Support across email and phone gives email and phone routes for account queries
  • Direct lender structure through direct lender means dealing with Viva Finance, Inc. throughout

Cons

  • APR of 11.99% to 35.99% may look costly beside lower rate European alternatives
  • Support runs on email and phone only

Ready to try VIVA Finance?

Scored 9.3 / 10 by SumCue.

See alternatives

Who it suits

  • Adults resident in the United States seeking personal credit with funding within 1 to 2 business days
  • Borrowers who value early repayment without added cost and a direct relationship with Viva Finance, Inc.

Who should look elsewhere

  • Borrowers seeking lower priced European credit should compare Ibancar Prestamos at 12.74% to 13.01% rather than APR of 11.99% to 35.99%
  • Borrowers needing immediate card based credit should compare AXI Card Tarjeta y Credito at 21.59% rather than funding within 1 to 2 business days

Deposit protection

VIVA Finance provides credit as direct lender, which means the agreement is held directly rather than arranged through a broker. Registration is shown by NMLS licence 1905666. The published representative example sets out loan value, prepaid charge, repayment schedule, rate, APR and monthly amount, allowing review of cost structure before applying.

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 does VIVA Finance charge for a personal loan?+

VIVA Finance lists APR of 11.99% to 35.99% for personal loans. The published representative example sets out loan value, prepaid charge, repayment schedule, rate, APR and monthly amount, which helps assessment of total cost before applying.

How much can be borrowed and over what term?+

Amounts reach up to $15,000 with terms running to up to 36. The structure suits general purpose borrowing rather than extended schedules, and early repayment without added cost can shorten the commitment where affordable.

How quickly is funding received?+

Funding arrives within 1 to 2 business days after approval. The timetable suits planned spending rather than urgent same day needs, so allow for processing and bank transfer times when setting payment dates.

Who can apply for VIVA Finance?+

Eligibility is limited to US residents aged 18 and over. Residence in US applies, with a minimum age requirement. Applicants outside that scope should consider local alternatives rather than applying.

Is VIVA Finance a direct lender or a broker?+

VIVA Finance operates as direct lender under Viva Finance, Inc.. That means the agreement, servicing and repayment relationship remain with the same firm rather than passing through a broker or marketplace.

How can borrowers contact VIVA Finance?+

Support runs through email and phone. Email suits document queries and written records, while phone suits urgent questions about applications, payments and account servicing during published hours.

How is VIVA Finance regulated?+

Oversight is shown by NMLS licence 1905666 in the United States. Borrowers should still review contract terms, repayment obligations and affordability carefully, as credit remains repayable in full with interest.

Can the loan be repaid early?+

Yes, early repayment is permitted without added cost alongside terms to up to 36. Paying ahead can reduce interest incurred over the remaining schedule, though monthly affordability and existing commitments should be reviewed before doing so.

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

Adults in the United States seeking direct personal credit with clear pricing

9.3/10See alternatives