VivaLoanApp works in five steps: choose an amount from $100 to $5,000, complete a secure request in about five minutes, let lenders in our network review it, read any lender’s Truth in Lending disclosure, then e-sign if you accept. If approved, funds may arrive as soon as the next business day.
| Steps | Five, from choosing an amount to e-signing |
|---|---|
| Request amount | $100 to $5,000 |
| Form time | About five minutes |
| Who decides | Lenders in our network; VivaLoanApp is not a lender |
| Credit check | Many lenders start with a soft inquiry |
| Funding speed | As soon as the next business day if approved and you accept |
On this page
- The short version
- Step 1: Choose how much to request
- Step 2: Complete the secure request (about 5 minutes)
- Step 3: Lenders review and may make an offer
- Step 4: Review the lender’s terms and TILA disclosure
- Step 5: E-sign and get your funds
- What happens to your data
- What to expect after you submit
- How to stop contact
- Frequently asked questions
- Sources
The short version
VivaLoanApp is an independent online loan-request service, not a lender. You tell us how much you need and a few facts about yourself. We pass that one request to third-party lenders and lending partners in our network, and a lender that can work with you may make an offer.
Using the service costs you $0. We don’t make credit decisions, set rates, or decide your loan amount. Every one of those choices belongs to the lender, and you see the lender’s terms before you agree to anything.
Most people finish the request in about five minutes. If a lender approves you and you accept, funds may land in your checking account as soon as the next business day, though timing depends on the lender and your bank.
Step 1: Choose how much to request
You can request anywhere from $100 to $5,000. Pick the smallest amount that covers the actual need, not the largest amount you might qualify for. A smaller balance usually means a smaller total cost and an easier payment.
A quick way to size it: list the bill or expense, add any fee you’d pay for paying it late, and subtract cash you already have. The result is your target. If you need help choosing, our amount guides for $500, $1,000, $2,500 and $5,000 loans walk through typical costs.
Keep in mind the lender decides the final amount. It may offer more, less, or exactly what you asked for, based on your income, state law, and its own rules.
Step 2: Complete the secure request (about 5 minutes)
The form asks for the details lenders need to review a request. Expect these groups of questions:
- Contact details: name, email, mobile phone, home address.
- Identity: date of birth and Social Security number, which lenders usually use to verify who you are and check credit.
- Income: source, how often you’re paid, and roughly how much.
- Bank account: an active checking account in your name, used for deposit and repayment if you take a loan.
The form uses an encrypted (HTTPS) connection. Answer accurately; mismatched details are one of the most common reasons a request goes unmatched. Our application guide explains what each field is used for.
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.
Step 3: Lenders review and may make an offer
After you submit, your request is shared with lenders and lending partners in our network. Each one reviews it against its own criteria, which can include income, existing debts, your state, and credit history.
Many lenders start with a soft inquiry, which does not affect your credit score. A lender may run a hard inquiry before final approval, and that can lower your score slightly. Bad credit is considered by some lenders, but no one can promise approval.
Usually you’ll see a result on screen within minutes. If a lender wants to make an offer, you may be redirected to its website. If no lender in the network can help right now, you’ll be told that, and you can look at other options without any obligation.
Step 4: Review the lender’s terms and TILA disclosure
This is the step that matters most. Under the federal Truth in Lending Act (TILA), the lender must show you key costs in writing before you’re bound by the loan. Look for these items:
| Term | What it tells you |
|---|---|
| APR | The yearly cost of borrowing, including interest and certain fees |
| Finance charge | The dollar cost of the credit over the life of the loan |
| Amount financed | What you actually receive after any upfront fees |
| Total of payments | Everything you will have paid by the end |
| Payment schedule | How many payments, how much, and when |
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.
Also read the fine print on late fees, returned-payment (NSF) fees, prepayment, and autopay. Our rates and terms page shows a worked example and how to compare two offers side by side.
Step 5: E-sign and get your funds
If you decide the offer fits your budget, you sign the loan agreement electronically on the lender’s site. The federal E-SIGN Act lets you sign and receive documents electronically once you consent, and you can save a copy of everything you sign.
Once the lender finalizes the loan, it sends money to your checking account. If approved, funds may arrive as soon as the next business day. Weekends, bank holidays, and extra verification steps can push that back.
From here, your loan is between you and the lender. Payments, due dates, hardship requests, and payoff questions all go to the lender, not to VivaLoanApp.
What happens to your data
Your request is only useful if lenders can see it, so we share the information you enter with lenders and lending partners in our network for the purpose of evaluating your request. Lenders may also use it to verify your identity and check your credit with consumer reporting agencies.
- We use encrypted connections to collect your information.
- We do not sell you a loan or hold your money.
- Lenders that receive your data handle it under their own privacy policies and federal rules such as the Gramm-Leach-Bliley Act (GLBA).
- Depending on where you live, laws such as the CCPA/CPRA in California give you rights to request access or deletion and to opt out of certain sharing.
Full details are in our privacy policy. To limit sharing, use the do-not-sell request link in our site footer.
What to expect after you submit
Because more than one lender may review your request, you could hear from more than one company. Here’s a realistic picture of the first few days:
- Email: confirmation of your request, and possibly offer details or document requests from a lender.
- Phone call: a lender may call to verify your identity, income, or bank details.
- Text message: if you agreed to receive texts, you may get status updates or reminders. Message and data rates may apply.
A legitimate lender will never ask you to pay an upfront fee, buy a gift card, or send money before you get a loan. If anyone does, stop contact and report it to the FTC at reportfraud.ftc.gov.
How to stop contact
You stay in control of who contacts you, and you can change your mind at any time.
- Texts: reply STOP to any marketing text message to unsubscribe from that sender.
- Email: click the unsubscribe link at the bottom of any marketing email.
- Calls: tell the caller to place you on its internal do-not-call list. Under the TCPA, companies must honor that request.
- VivaLoanApp: email [email protected] with the subject “Opt out” and the email and phone you used. See our contact page for details.
Opting out of marketing doesn’t cancel a loan you already signed. If you have a loan, the lender may still send required account notices.
Ready to see what lenders can offer? Start your free request.
Frequently asked questions
Is VivaLoanApp a lender?
No. VivaLoanApp is an independent loan-request service. We pass your request to third-party lenders and lending partners, and those lenders make all credit decisions and set every rate and term.
Does submitting a request hurt my credit?
Many lenders start with a soft inquiry, which does not affect your credit score. A lender may run a hard inquiry before final approval, which can lower your score slightly. The lender will tell you which kind of check it uses.
How long does the whole process take?
The request itself takes about five minutes, and many people see a result on screen within minutes. If you’re approved and accept, funds may arrive as soon as the next business day, depending on the lender and your bank.
Do I have to accept an offer?
No. You can review a lender’s terms and decline without any cost or penalty. Nothing is binding until you sign the lender’s loan agreement.
Who do I pay back?
You repay the lender that funded your loan, on the schedule in your loan agreement. VivaLoanApp never collects payments and can’t view or change your loan.
Why did more than one company contact me?
Your request may be reviewed by several lenders in our network, and each may reach out by email, phone, or text if you agreed to that. You can reply STOP to texts, unsubscribe from emails, or ask callers to put you on their do-not-call list.
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.