By using vivaloanapp.com, you agree to these Terms of Use. VivaLoanApp is a free, independent loan-request service, not a lender. We pass your request to third-party lenders who may make an offer, but approval is never guaranteed. You must be at least 18, give accurate information and review every lender’s terms before signing.
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Acceptance of these terms
Last updated: November 2, 2026.
These Terms of Use form an agreement between you and the operator of vivaloanapp.com (“VivaLoanApp,” “we,” “us”). By visiting the site, starting the request form or submitting a request, you agree to these terms, our Privacy Policy and our Consent to Electronic Communications. If you do not agree, do not use the site.
These terms cover only your use of VivaLoanApp. Any loan you accept is a separate contract between you and the lender, with its own terms, rates and fees.
What the service is and is not
VivaLoanApp is an independent online loan-request service. You complete one request for an amount between $100 and $5,000, and we pass it to third-party lenders and lending partners in a network who may review it and make an offer. Using the service costs you $0.
VivaLoanApp is not a lender. We do not:
- Make loans, credit decisions or loan commitments
- Set or negotiate interest rates, APRs, fees or repayment terms
- Guarantee that any lender will review your request, make an offer or approve you
- Guarantee a funding time; when a lender approves you and you accept, funds may arrive as soon as the next business day, but timing depends on the lender and your bank
- Act as your agent, broker or adviser for any loan
Lenders decide the actual loan amount, APR and schedule and must disclose them before you sign. Our Disclosures page lists typical APR ranges and a representative example.
VivaLoanApp is not affiliated with VIVA Finance, Inc., Viva Payday Loans or Vivaloan.com. Any similarity in names is coincidental.
Eligibility and your obligations
Who may use the service
To submit a request, you must:
- Be at least 18 years old, or the age of majority in your state
- Be a U.S. resident living in a state where the service is available
- Submit the request for yourself, not for another person
Lenders set their own requirements, which commonly include a regular source of income, an active checking account in your name, a valid email and phone number, and an SSN. Our Requirements page has details. Meeting these does not guarantee an offer.
Accurate information
You agree that everything you submit is true, complete and current. Do not use another person’s identity, bank account or contact details. Giving false information on a credit application can be a crime under federal and state law, and lenders may deny or cancel a loan based on inaccurate data.
If you notice an error in a request you already submitted, contact the lender directly to correct it before accepting any offer. You are responsible for keeping your email account, phone and devices secure, since lenders will use them to reach you.
Acceptable use
You agree not to:
- Submit automated, duplicate or fraudulent requests
- Scrape, copy or resell site content or data
- Try to access systems, accounts or data you are not authorized to use
- Upload malicious code or interfere with site operation
- Use the site for any unlawful purpose
Consent to share your request with lenders
By submitting a request, you authorize VivaLoanApp and its service providers to share the information you submit with lenders and lending partners in the network so they can review it. You also authorize those lenders to:
- Verify your identity, employment, income and bank account
- Obtain your consumer credit report, which may start with a soft inquiry and may include a hard inquiry before final approval
- Contact you by email, phone or text about your request, as allowed by our E-Consent terms and applicable law
Once a lender receives your information, its own privacy policy and terms apply. If you are a California resident, you can limit sharing through our Do Not Sell or Share page, though that may stop your request from reaching lenders.
Third-party sites and no financial advice
The site may link to lender websites and outside resources, such as the CFPB or nonprofit credit counselors. We do not control those sites and are not responsible for their content, privacy practices or offers. Visiting them is at your own risk.
Content on VivaLoanApp is general information for educational purposes. It is not financial, legal, tax or credit advice, and it does not account for your personal situation. Before borrowing, compare options and consider speaking with a nonprofit credit counselor. Our Responsible Lending page lists free resources.
Disclaimers, limitation of liability and indemnity
Disclaimers
The site and service are provided “as is” and “as available,” without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We do not warrant that the site will be uninterrupted, error-free or free of harmful components, or that any lender will act on your request.
Limitation of liability
To the fullest extent the law allows, VivaLoanApp and its operator, contractors and service providers will not be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, data or credit standing, arising from your use of the site, any lender’s actions or any loan you accept. Our total liability for any claim relating to the service will not exceed $100. Some states do not allow certain limits, so parts of this section may not apply to you.
Indemnity
You agree to defend, indemnify and hold harmless VivaLoanApp and its operator, contractors and service providers from claims, losses and expenses, including reasonable attorney fees, arising from your breach of these terms, your misuse of the site or any false information you submit.
Governing law, changes and contact
Governing law
These terms are governed by the laws of the United States and the state where the site operator is organized, without regard to conflict-of-law rules. Nothing in these terms limits rights you have under consumer protection laws of your own state that cannot be waived.
Intellectual property
Site text, design and code belong to VivaLoanApp or its licensors. You may view and print pages for personal, non-commercial use. Other names and marks mentioned on the site belong to their owners and are used only for identification.
Changes and termination
We may update these terms, change or stop the service, or restrict access at any time. The date at the top shows the latest version, and continued use after changes means you accept them. If any part of these terms is found unenforceable, the rest stays in effect.
Electronic communications and notices
You agree that we may give you notices about these terms electronically, by email or by posting them on the site, as described in our E-Consent. Notices to us must be sent to [email protected].
Entire agreement
These terms, together with the Privacy Policy and E-Consent, are the entire agreement between you and VivaLoanApp about the site. Our failure to enforce any part of these terms is not a waiver of our right to do so later. You may not transfer your rights under these terms; we may assign ours to a successor.
Contact
Questions about these terms? Email [email protected]. Ready to continue? Start your free request.
Frequently asked questions
Do these terms involve any fee for using the site?
No. Submitting a request through VivaLoanApp costs you $0. Lenders may charge interest and fees on any loan you accept, and they must disclose those costs before you sign.
Is my loan contract with VivaLoanApp?
No. If you accept an offer, your loan agreement is directly with the lender. VivaLoanApp is not a party to that contract and cannot change its terms.