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By : Mr Credit Card

What is Viva Loans?

Viva Loan is an online loan aggregator that matches borrowers with financial needs to lenders for both short term loans and longer term personal loans. It is not a direct lender but instead allows consumers to shop for the rate deal from their network of lenders. Viva Loans lenders will lend anywhere from $100 to $15,000. By using Viva Loans rather than shopping around with individual lenders, you can save time by just submitting one main application and you can get cash in your checking account as early as the next business day once you have been approved and sign up with a lender in their network.

Vivaloan is also part of OLA (Online Lenders Alliance). OLA represents a network of online loan lenders. They have a list of best practices and Code of Conduct which they have to abide by to ensure customers treated fairly, fully informed and are transparent.

Types of Loans Offered

Unsecured Personal Loans - If you are looking for a personal unsecured loan for debt consolidation. home improvements, or other unforeseen expenses, Zippyloan would be able to connect you to personal loan lenders. Repayment period for most lenders on their network ranges from six months to six years and the interest rate ranges from 12% to 36%. Please remember you are not guaranteed to be matched to a lender. Having said that, if you have good credit, you should be able to get a loan with an interest rate at the low end of the range.

Short Term Cash Advance Loans - Vivaloan also has lenders that will lend you for a shorter term.


Loan Co Amount Excluded States Not Eligible Min Income Credit Score
Viva Loans$100-$15,000NY, WV, DCN.A.N.A.N.A.
Zippy Loans$100-$15,000NYN.A.N.A.N.A.
Next Day Personal Loans$100-$40,000CT, NH, WA, VTNo Military PersonnelN.A.N.A.
Life Loans$100-$40,000CT, NH, WA, VTNo Military Personnel$1,000/mN.A.
Honest Loans$400-$50,000NYNo Military Personnel
No Federal Employees
Fast 5k Loans$100-$10,000NY, VT, WV, AKNo Military Personnel$800/m>540
Excel Online Loans$500-$20,000NY, DC, WVN.A.N.A.N.A.
Bad Credit Loans$100-$10,000N.A.N.A.N.A.N.A.
24/7 Loan Pros$1,000-$35,000NY, VT, WV, AKNo Military Personnel$800/m>540
100 Lenders$100-$40,000CT, NH, WA, VTNo Military Personnel$1,000/mN.A.

There are many loan aggregators to choose from today. In the $100 to $15,000 loan space, they are competing with aggregators like Zippy Loan. They are identical in nearly all aspects. For example, Zippy Loan lends you up to $15,000. They also allow military personnel and those whose main income comes from benefits. Another competitor of Viva is Excel Online Loans, which is very similar except that they lend up to $20,000.

Many other aggregators do not allow military personnel and those with benefit income to apply. In this aspect, Vivaloan is superior to them.

Pros and Cons


  • Up to $15,000 Loan Amount> - You can borrow between $100 and $15,000 from lenders in the Viva Loan network. This should be enough to meet most people's needs.

  • Different Types of Loans Available - Viva Loans offer both short term and longer term personal loans.

  • Accepts both work income and benefits - Even if you have no work income, Viva Loans accepts income from benefits like retirement income, income from social security and pension payments.

  • Military Members Can Apply - Viva Loans accepts military members and Federal Employees (unlike some loan aggregators).


  • Not Available in NY, WV and DC - Viva Loans does not accept application from residents of NY, WV and DC.

Our Take: VivaLoan: Everyone Including Military Personnel and Those on Benefit Income Can Apply

In our opinion, Viva Loans is one of the better loan aggregators because they accept all types of income. Income from work, self-employment, retirement pensions, benefits are all accepted. This is in contrast to some loan aggregators or lenders that only accept work income and disqualifies those with benefit income.

Secondly, Viva Loans does not disqualify anyone based on their occupations. Some lenders and aggregators do not want to lend to military personnel or federal employees. Viva Loans has no such biases.

The only thing you have to be aware of is that if you are from NY, WV ND DC, you cannot use Viva Loans because none of their lenders in their network will lend to those from these states. If you are from one of these states, then I would suggest using loan aggregators like Quick Loan Link or Lending For Bad Credit, which accept applicants from all 50 states. These two loan aggregators have lenders that will loan you up to $35,000 so if you are looking for a loan amount that is higher than $15,000, then both of them would fit as well.

But if your profile and the type of loan amount fit Viva Loans, then I would not hesitate using them to shop for a lender.

How to Apply for Viva Loan?

The loan application process is really simple. In fact, I'll go through the process with you right now. Let's Begin:

The picture above shows their home page and this is where you start your application. You need to fill in the amount of loan you wish to take, your credit score range and the purpose of your loan (there are many options in the drop down menu). You then click on the "GET STARTED" button which takes you to the next page.

You will then be asked to fill in your name and date of birth and also your employment details. As we mentioned earlier, Vivaloan accepts income from employment, benefits and military personnel as well. For example, if you click on "Employed", the following drop down boxes appeared. I had to fill in the Name of Employer, Work Phone, Monthly Income, How often I was paid, Position, Time at Job, How do I receive my pay? and when was my next payday?

After filling this out, you will then click on "GO TO STEP 2", where you have to fill out the following details like email address, home address, phone number, time at residence, if you own or rent your home, your drivers license, social security number and finally your bank name, account and routing number. After you click on the "SUBMIT REQUEST" button, then you simply wait for offers from Vivaloan network of lenders.

You may get several replies from lenders willing to lend to you. You might have to submit more information to them. Once you have the lenders lined up who are willing to lend to you, you should read through the terms carefully and choose the loan that suits you best.

Once you have e-signed the loan, you could get the cash in your checking account the next business day.

Below are screen shots of the application pages:
viva loan application viva loan application viva loan application viva loan application viva loan application

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