VIVA Finance, Inc.
VIVA Finance, Inc. offers unsecured personal installment loans up to $10,000 with APRs ranging from 11.99% to 35.99%, primarily based on employment information. The company provides a quick application process with fast funding and holds various lending licenses across multiple states.
Services
VIVA Finance, Inc. offers unsecured personal installment loans up to $10,000. Their loans feature a minimum annual percentage rate (APR) of 11.99% and a maximum APR of 35.99%. The repayment periods range from 5 months to 24 months. Loans are available for purposes such as debt consolidation, credit card refinancing, and unexpected expenses. The application process is quick, and funds can be available the next business day. Customers can manage their loans online 24/7.
Loan Terms and Conditions
VIVA Finance provides loans with an APR ranging from 11.99% to 35.99%, depending on factors like income and credit history. Loan approvals are primarily based on employment information and are underwritten by Thread Bank, Member FDIC. Loans feature terms ranging from 5 months to 24 months, with no penalties for early repayment. The company uses an alternative underwriting model focused on employment.
Licensing Information
VIVA Finance holds various licenses across different states, ensuring compliance with local regulations. These include a Supervised Lender License in South Carolina, Small Loan Company License in New Mexico, Consumer Credit License in Alabama, Consumer Loan License in Michigan, Maryland, Texas, and Washington, Consumer Installment License in Illinois, Consumer Finance Company License in Florida, Consumer Loan Company License in Kentucky, Consumer Installment Lender Company License in Missouri, Consumer Installment Loan Act License in Ohio, and Consumer Discount Company License in Pennsylvania.
Customer Experience
VIVA Finance aims to provide a seamless customer experience with a quick application process and fast funding, often available the next business day. The company's website allows customers to apply, review information, and make payments at any time of day. VIVA Finance is known for its 5-star customer service, ensuring that borrowers have support throughout the loan process.