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Viva Loan Personal Loans Review

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Vivaloan is a no-obligation financial service that helps borrowers connect with personal loan lenders. Vivaloan is OLA-compliant and allows customers to apply for loan amounts between $100 and $15,000. The company's loan connecting service is partnered with hundreds of lenders, aiming to provide everyone access to credit.
 
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How is Viva Loan rated?

Breakdown

Overall Rating: 0 / 5 (N/A)

Vivaloan is a loan marketplace that allows customers to easily apply online through a secured platform and receive fast responses from lenders regarding loan approval. Customers can borrow up to $15,000 in personal loans and receive payment plans to pay their lender back directly over a specified time period. Vivaloan does not have any contact information listed aside from an email and does not have much of an online presence. The company also does not have positive online reviews regarding its service.

Viva Loan Loan Specifics

Loan Specifics - 0 / 5

Potential borrowers can apply for loans directly on Vivaloan's website portal and receive a response within a few minutes. Term lengths depend on the amount of money borrowed. Vivaloan makes it clear that credit approval is not guaranteed and different factors are taken into consideration depending on the lender.

Loan Uses

Debt/Credit Card Consolidation
Buy Home
Major Purchase
Home Improvement
Medical Expenses
Wedding
Moving/Relocation
Vacation
Start Business
Education
Taxes
Loan Minimum
$100
Loan Maximum
$15,000
Term Length
12 months to 5 years
Direct Deposit
Yes
Pay Creditors Directly
Yes
Decision Time
same day within 5 minutes
Disbursement Time
next business day
Credit Insurance
No
Unemployment Protection
No

Viva Loan Qualification

Qualifications & Flexibility - 0 / 5

Vivaloan aims to provide loans to borrowers with all types of credit. Aside from the 18 year age requirement, there are no other requirements for loan approval listed on the website.
Minimum FICO Score
not specified
Personal Income Considered
Yes
Verify Bank Account
Yes

Alternative Factors to Credit Score Considered

Income and employment are factors considered. Borrowers must also be age 18 years or older.

Viva Loan Cost of Loan

Costs, Interest Rates, Discounts & Fees - 0 / 5

Vivaloan does not list an application fee. As a marketplace, Vivaloan does not provide information about the interest rates of approved loans or any payment penalties.

*

(As stated on Vivaloan's website) Vivaloan.com makes no representation that materials on the site are appropriate or available for use in locations other than the United States. Those who choose to access Vivaloan.com from outside the United States do so on their own initiative and at their own risk, and are responsible for compliance with local laws, if and to the extent applicable.

Viva Loan Reputation

Customer Service and Reputation - 0 / 5

According to customer reviews, Vivaloan has a history of sending multiple unrequested emails, primarily spam, to people who claim to have never heard of or requested a loan through Vivaloan. Though the company answered all of its complaints on the Better Business Bureau, it was the same duplicated response for each complaint.
Type of Institution
Marketplace
BBB Rating
F
Number of BBB Positive Reviews
0
Number of BBB Negative Reviews
7
Date Collected
2046-12-27

Disclaimer

(As stated on Vivaloan's website) This website and the information, software, products and services associated with it are provided 'as is.' Vivaloan.com expressly disclaims any warranty of any kind, whether express or implied, as to any matter whatsoever relating to this website and any information, software, products provided herein, including without limitation the warranties of title, non-infringement, merchantability, or fitness for a particular purpose. Vivaloan.com makes no warranty as to the results that may be achieved by using this website and the information, software, products and services associated with it.
NMLS
(As stated on Vivaloan's website) Use of this website and/or its services is at your own risk. Vivaloan.com and/or its participating lenders or advertisers or any of their officers directors, agents, subsidiaries, affiliates, employees, successors, assigns, content providers or service providers will not be liable for any direct, indirect, incidental, consequential, special, or punitive damages or other injury arising out of or in any way connected with the use of this website and/or its services with the delay or inability to use this website, or for any information, software, products and services obtained through this website, or otherwise arising out of the use of this website, whether resulting in whole or in part, from breach of contract, tortuous behavior, negligence, strict liability or otherwise, even if Vivaloan.com or its participating lenders have been advised of the possibility of damages.
Homepage URL
https://vivaloan.com/

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Top Rated
Our Partner
  • Get personalized pre-qualified rates from multiple lenders.
  • 2 Minute Process
  • Loans from $600 - $200,000 
  • Rates from  7.49% - 35.99% APR
  • Loan terms of 1 - 7 years.
  • Rated A+ by the BBB
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