VivaLoan
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Loan Amount: $100 to $15,000
Credit Score: Poor to Excellent
APR: Depends
Loan Term: up to 60 months
Borrow between $100 and $15,000 to be used for anything you need.
Vivaloan provides fast and secure access to Personal Loans designed to suit your financial needs and lifestyle. Simply tell us how much you need and receive a decision in real-time.

Common uses for personal loans are completing a large purchase, renovation or repair, consolidating debt, or to simply cover unexpected expenses, both large and small.
Apply online in as few as 5 minutes.
Our application form is simple, secure and optimized for quick processing. The application process takes less than 5 minutes to complete and is also optimized for both iOS and Android browsers for applications on the go.

To apply for a Personal Loan, you'll need to provide proof of your identity, employment and income.
Sign for your loan and receive your funds.
Once we have connected you with a lender, review and e-sign your loan agreement on the spot. Money is typically direct deposited into your bank account as soon as the next business day.
Repay your loan.
Many of Vivaloan's lenders offer the flexibility to repay with multiple monthly installments, in some cases up to 60 months. For applicants that need a smaller loan amount, our short-term lenders also provide the option to repay as soon as your next payday. In cases where we are unable to connect you with an installment lender, we do our best to secure a short term loan to address your immediate cash needs.

Payments are made through the same bank account the money loan is deposited into. Responsible borrowers have the opportunity to improve their credit score, as many of our lenders report on-time payments to major credit agencies.

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APR & Loan Duration

Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. Your actual rate depends upon credit score, loan amount, loan term, and credit usage & history.

Origination Fee

An origination fee is a fee you pay to your lender when you receive funds. The charge compensates your lender for expenses like processing your application and marketing. Fees typically range from 1% to 8% of the amount you borrow, although you might pay a flat fee or nothing at all, depending on the lender.

Personal Loan Example

If you borrow $6,000 with an interest rate of 7.99% and a 5.00% origination fee of $300 for an APR of 11.51%. You will actually receive $5,700 and will make 36 monthly payments of $187.99. The total amount repayable will be $6,767.64.

Amount Period APR Monthly Total Paid
$1,000 24 month 12% $47.07 $1129.76
$1,000 24 month 24% $52.87 $1268.91
$1,000 24 month 35.99% $59.04 $1417.01

Typical Personal Loan Terms

While specific terms of personal loans will vary depending on your state, lender and your specific circumstances, below is a general range of common terms.

Loan amount: $500 - $35,000
Lending period: 91 days - 84 months
Payment frequency: Once a month or twice a month
APR: depends upon credit score, loan amount, loan term, and credit usage & history.
Prepayment penalty: None

Disclaimer

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners.

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.

Company Address

Beiqing road, NO.68 yard, NO.24 building, tower D, NO.3 floor, room 049, Haidian District, Beijing

Disclaimer

Notice

We only provide the service to the people above 18 years old.

Important Information

We are not actual lenders, but we have relationships with various kinds of lenders. When you submit your request via our website, we will then connect you with the best lender (s) in our network of partners. Our network of lenders provides loans that range from 91 days to 84 months, with a range of APRS from 4.84% to 35.99%. When you submit your request there is no hard inquiry made on your credit report, therefore there is zero impact on your credit score.

Not A Lender Notice

Loan fees and interest rates are outside of our influence. Your providers determine these fees and rates and are based on a number of factors. We don't provide loans, loan offers or broker loans online. This website operator is not a lender, do not broker loans to lenders and they do not make credit decisions or offer personal loans. This site does not represent an offer or solicitation to provide loans. This site will forward your details to a loan provider. You are not guaranteed a personal loan by simply providing your details on this website. This website's operator isn't an agent, broker or representative of any loan provider and does not endorse or charge a fee for any of our services or products.