Last Updated: 04/18/2025
VIVA Finance Installment Loans
Unaffiliated
in Personal Loans from VIVA Finance
Last Updated: 04/18/2025
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Highlights
APR (Fixed APR)
11.99% - 35.99%(Verified 08/02/2024)
Amount Range
Up to $10,000
Loan Term (Months)
5 - 24
VIVA Finance Installment Loans Review
VIVA Finance Installment Loans is offered by VIVA Finance, a direct lender founded in 2019 and based in Atlanta, GA. VIVA Finance Installment Loans are available in 50 states, 5 US territories, and Washington, DC.
Key Takeaways
- APRs starting at 11.99%. Personal loan interest rates typically range between 9% and 36%. The starting rates for VIVA Finance Installment Loans are on the higher end of the spectrum.
- Short loan terms. VIVA Finance Installment Loans have loan terms as short as 5 months.
VIVA Finance Installment Loans Pros & Cons
| Pros | Cons |
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VIVA Finance Installment Loans FAQ
What interest rates and personal loan terms does VIVA Finance Installment Loans offer?
VIVA Finance Installment Loans has higher than average interest rates for lenders reviewed on SuperMoney.
What interest rates does VIVA Finance Installment Loans offer?
VIVA Finance Installment Loans offers a fixed APR personal loan product that ranges from 11.99% APR up to 35.99% APR.
What is the maximum loan term you can get with VIVA Finance Installment Loans?
VIVA Finance Installment Loans offers loans with terms of up to 24 months.
| Personal Loan Amount | up to $10000.00 |
| Loan Term | 5 - 24 months |
| APR | 11.99% - 35.99% |
What fees does VIVA Finance Installment Loans charge?
Does VIVA Finance Installment Loans charge an origination fee?
VIVA Finance Installment Loans may charge a personal loan origination fee .
Does VIVA Finance Installment Loans charge a late fee?
VIVA Finance Installment Loans does not disclose whether it charges late payment fees.
Does VIVA Finance Installment Loans charge prepayment fees?
No, VIVA Finance Installment Loans does not charge prepayment fees. This means you will not have to pay additional fees if you decide to pay the personal loan off early.
| Origination Fee | No |
| Prepayment Fee | No |
| Late Payment Fee | No |
What do you need to qualify for VIVA Finance Installment Loans?
VIVA Finance Installment Loans does not require or does not disclose a credit score minimum. The minimum age to be eligible is 18 or the state minimum, whichever is higher. VIVA Finance Installment Loans does not have or does not disclose a minimum annual income eligibility requirement.
U.S. citizens and permanent resident / green card holders are eligible to apply for the services offered by VIVA Finance Installment Loans.
To qualify, applicants may need to provide the following documentation:
- Proof of income
- Driver's license or other government photo ID
- Government issued photo ID
- Proof of identity
| Minimum Age | 18 |
| Bank Account Required? | No |
| Credit Score | N/A |
Does VIVA Finance Installment Loans report your account activity to credit bureaus?
Yes, VIVA Finance Installment Loans reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does VIVA Finance perform a hard credit pull?
Yes, VIVA Finance Installment Loans performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
Are VIVA Finance Installment Loans legit?
VIVA Finance was founded in 2019. It is an established company that has been in business for 7 years.
Unfortunately, we don't have sufficient community reviews to provide a reliable rating of their user experience and customer service.
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