VivaLoanApp is a free loan-request service, not a lender. Personal installment lenders in our network commonly disclose APRs between 5.99% and 35.99%, while short-term lenders can charge more where state law permits. The lender discloses the exact APR, fees and schedule before you sign. We may be compensated by lenders.
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VivaLoanApp is not a lender
Last updated: November 2, 2026.
VivaLoanApp is an independent online loan-request service. We pass your request for $100 to $5,000 to third-party lenders and lending partners who may make an offer. We do not make loans or credit decisions, do not set rates or terms, and do not broker or arrange any specific loan. Using our service costs you $0.
Submitting a request does not guarantee that any lender will contact you or approve you. Lenders decide the loan amount, which may be lower than you asked for, and the terms. If approved and you accept, funds may arrive as soon as the next business day, but timing depends on the lender and your bank.
APR disclosure and representative example
Personal installment lenders in our network commonly disclose APRs between 5.99% and 35.99%. Short-term and small-dollar lenders can charge considerably more where state law permits. The exact APR, fees and repayment schedule are disclosed by the lender before you sign.
Under the Truth in Lending Act (TILA), the lender must show you the APR, finance charge, amount financed, total of payments and payment schedule before you are bound. Installment terms commonly run 2 to 24 months; some short-term offers are repaid in one payment.
Representative example
| Item | Amount |
|---|---|
| Amount borrowed | $2,000 |
| Term | 12 months |
| APR | 29.22% |
| Monthly payment | About $194.21 (12 payments) |
| Total repaid | About $2,330.49 |
| Total interest | About $330.49 |
Before you sign, compare the lender’s disclosure with this example. Check that the APR includes all required finance charges, that the payment amount matches the schedule, and that you understand any origination fee deducted from the amount you receive. If anything is unclear, ask the lender in writing before accepting.
For more on how costs vary by loan type, see Rates and Terms.
Implications of late payment or non-payment
Missing a payment can make a loan much more expensive. Depending on the lender’s agreement and your state’s law, consequences can include:
- Late fees and, for some loans, returned-payment fees from both the lender and your bank
- Collections, which may involve the lender’s collection team or an outside agency; collectors must follow the Fair Debt Collection Practices Act and state rules
- Credit reporting, since many lenders report late or missed payments to one or more credit bureaus, which can lower your score
- Legal action to recover the debt, where permitted by law
Renewal and extension policies vary by lender. Some lenders offer extensions, refinancing or rollovers, which usually add fees or interest; some states ban or limit them. If you think you will miss a payment, contact the lender before the due date and ask about a payment plan. Read the agreement’s collection and renewal terms before you sign.
State availability and credit checks
The service is not available in every state, and lenders in the network follow the laws of the borrower’s state. Loan amounts, APR caps, fees and allowed loan types differ from state to state, so offers vary by location. Some lenders may not serve your state at all.
Many lenders start with a soft credit inquiry, which does not affect your credit score. A lender may run a hard inquiry before final approval, which can lower your score slightly. Lenders may also check alternative data sources and verify income and bank details. Bad credit is considered by some lenders, but approval is never guaranteed. See Requirements for typical criteria.
Military Lending Act
The Military Lending Act (MLA) protects active-duty servicemembers, including those on active Guard or Reserve duty, and their covered dependents. For covered consumer credit, the Military Annual Percentage Rate (MAPR), which includes most fees and add-on products, cannot exceed 36%. The MLA also bars mandatory arbitration and certain other loan terms for covered borrowers.
Covered borrowers also have access to free legal assistance through military legal offices, and on-base financial counselors can review an offer before you sign.
Lenders check covered status before making an offer. If you are covered, any loan you receive must meet MLA limits.
Affiliation and advertising disclosure
No affiliation with other “Viva” companies
VivaLoanApp is not affiliated with, endorsed by or sponsored by VIVA Finance, Inc., Viva Payday Loans (vivapaydayloans.com) or Vivaloan (vivaloan.com). We mention them only to explain the differences, as on our Viva loans compared page. Their names and marks belong to their owners.
How we are paid
VivaLoanApp may be compensated by lenders, lending partners or marketing partners when a request is submitted, reviewed or results in a loan. This compensation is how we keep the service free to you. It may affect which lenders receive requests, but it does not change the rates or terms a lender offers you, and it does not affect our editorial content, as explained in our Editorial Policy.
Questions about these disclosures? Email [email protected].
Frequently asked questions
Will submitting a request hurt my credit score?
Many lenders start with a soft inquiry, which does not affect your score. A lender may run a hard inquiry before final approval, which can cause a small, temporary drop.
Can a lender charge more than 35.99% APR?
Yes. Short-term and small-dollar lenders can charge considerably more where state law permits. Covered military borrowers are protected by the 36% MAPR cap under the Military Lending Act.
Sources
Third-party details were checked against these sources on November 2, 2026 and can change. Confirm current terms on each company’s official site.