VivaLoanApp is a free, independent loan-request service, not a lender. You submit one request for $100 to $5,000, and lenders in our network may make an offer. Many start with a soft credit inquiry. If approved, funds may arrive as soon as the next business day. We are not affiliated with VIVA Finance, Viva Payday Loans, or Vivaloan.
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About the service
VivaLoanApp is an independent online loan-request service. You fill out one secure request, and we share it with third-party lenders and lending partners in our network. A lender that can work with you may make an offer, and you see its terms before you decide.
We are not a lender. We don’t make credit decisions, set rates, or collect payments, and using the service costs you $0. For the full walkthrough, see how it works.
Lenders and partners may pay us for referrals, which is how the service stays free for you. That payment doesn’t change what a lender charges, and you are never obligated to accept an offer.
Once you sign with a lender, questions about payments, due dates, or payoff go straight to that lender. We can’t see or change your loan.
Costs, credit and timing
Lenders set the cost of any loan. 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.
Many lenders begin with a soft inquiry, and bad credit is considered by some. If you are approved and accept, funds may arrive as soon as the next business day. Our rates and terms guide shows a worked example, and the requirements page lists what lenders usually ask for.
Which “Viva” is which
Several unrelated companies use the Viva name, and VivaLoanApp is not affiliated with any of them. Based on public information as of 2026:
- VIVA Finance, Inc. is an Atlanta-based direct lender offering employer-linked installment loans, often repaid through payroll deduction.
- Viva Payday Loans (vivapaydayloans.com) is a loan-matching site, not a direct lender.
- Vivaloan (vivaloan.com) is an online personal loan marketplace, also not a lender.
If you were looking for one of those companies, visit its official website directly. If you just need a loan request reviewed by several lenders at once, that’s what we do. Our Viva loans guide compares them in detail. Have a question that isn’t answered here? Email [email protected], or start a free request when you’re ready.
Ready when you are. Request $100–$5,000 with one free form and see whether a lender in our network can make you an offer. Start your request.
Frequently asked questions
What is VivaLoanApp?
VivaLoanApp is an independent online loan-request service. You submit one request, and we share it with lenders and lending partners in our network who may make you an offer.
Is VivaLoanApp a direct lender?
No. We don’t lend money, approve loans, or set terms. The lender you choose makes every credit decision and is responsible for your loan.
How much does it cost to use VivaLoanApp?
Nothing. Submitting a request is free, and you owe us nothing whether or not you take a loan. If you accept an offer, the lender’s interest and fees apply.
How does VivaLoanApp make money?
Lenders and partners in our network may pay us when they receive a request or when a loan is made. That payment never comes from you, and it doesn’t change what the lender charges you.
How much can I request?
You can request from $100 to $5,000. The lender decides the actual amount it offers, based on your income, credit profile, and state law.
What APR should I expect?
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, and your exact APR appears in the lender’s disclosure before you sign.
Can you show me an example of the cost?
Yes. $2,000 borrowed for 12 months at 29.22% APR equals 12 monthly payments of about $194.21, with about $2,330.49 repaid in total and about $330.49 in interest. This is an example only, not an offer.
How long are repayment terms?
Installment offers commonly run 2 to 24 months, set by the lender. Some short-term offers are repaid in a single payment.
Will checking my options affect 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 lower your score slightly.
Can I get a loan with bad credit?
Some lenders in our network consider borrowers with bad credit, often focusing on income and bank history. Approval is never assured, and lower scores can mean smaller amounts or higher APRs.
How fast can I get money?
The request takes about five minutes. If a lender approves you and you accept, funds may arrive as soon as the next business day, though weekends, holidays, and verification can add time.
What do I need to apply?
Most lenders want you to be at least 18, a U.S. resident with regular income, and to have an active checking account in your name plus a valid email and phone. Lenders usually request your Social Security number.
Is VivaLoanApp available in my state?
Not every state is served. Lenders follow the laws of your state, and if none can serve you, the form will let you know at no cost.
Is VivaLoanApp safe to use?
Our form uses an encrypted HTTPS connection, and we never ask for upfront fees, gift cards, or your online banking password. Always read the lender’s disclosure before you sign anything.
Is VivaLoanApp the same as VIVA Finance?
No. VIVA Finance, Inc. is an Atlanta-based direct lender that offers employer-linked installment loans. VivaLoanApp is a separate, independent request service with no affiliation.
Is VivaLoanApp connected to Viva Payday Loans?
No. Viva Payday Loans operates vivapaydayloans.com, a loan-matching site that is not a direct lender. We are a separate company with no affiliation.
Is VivaLoanApp the same as Vivaloan.com?
No. Vivaloan.com is an online personal loan marketplace run by a different company. VivaLoanApp has no connection to it.
Who sees my information?
We share your request with lenders and lending partners in our network so they can evaluate it, and lenders may check your credit. Our privacy policy explains what we collect and how it is used.
Do you sell my personal information?
Sharing your request with lenders is how the service works. Depending on your state, you may have the right to opt out of certain sharing or sales; use our do-not-sell page to make that request.
Why are lenders calling or texting me?
Lenders who review your request may contact you to verify details or present an offer. Reply STOP to texts, unsubscribe from emails, or ask callers to add you to their do-not-call list.
Can VivaLoanApp change my loan or due date?
No. Once you sign, your loan is with the lender, and only the lender can change payments, due dates, or terms. Contact the lender directly using the details in your agreement.
Are there alternatives to a loan request?
Yes. Consider a payday alternative loan from a federal credit union, a payment plan with the company you owe, an employer pay advance, or free nonprofit credit counseling.
How do I contact VivaLoanApp?
Email [email protected]. We handle questions by email only and don’t have a phone line, and we usually ask you to include the email you used on your request.
Sources
- CFPB — What is a payday loan?
- CFPB — Submit a complaint
- FTC — Consumer advice
- NMLS Consumer Access — license lookup
Third-party details were checked against these sources on November 2, 2026 and can change. Confirm current terms on each company’s official site.