How does it work? Simply 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.

Request a loan online in as few as 5 minutes.

Our online form is simple and secure. The process takes less than 5 minutes to complete and is also optimized for both iOS and Android browsers for people on the go.

To make a loan request, 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 users 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.

What can I use my personal loan for?

Debt Consolidation

Consolidate and pay off your credit card and loan payments with a single monthly payment.

Unexpected Expenses

Life can be unpredictable at times. No matter what the emergency, we're here to help.

Home Improvement

Remodel, renovate and refine your home.

Major Purchases

Large purchases such as appliances or automobiles are attainable with a personal loan.

Medical Expenses

A personal loan is a quick solution to cover unexpected medical costs without insurance.

Vacations

Road trip or cruise ship, we've got a way for you to get away.

Security is #1

Premium and Trusted

Vivaloan is a premium and trusted service provider.
All data processed through this site is encrypted with the latest 256-bit SSL encryption technology.

OLA Member Seal

OLA Compliant

When you see the OLA seal, you can trust you’re working with a company committed to the highest standards of conduct, dedicated to ensuring the best possible experience for their users, compliant and working hard to protect consumers from fraud.

Get connected with a lender in 5 minutes or less.

All lenders currently accepting loan requests.

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Vivaloan is not a financial institution, lender, loan broker, or an agent of a lender or loan broker. Vivaloan does not make loans, is not involved in the loan approval process, and is not involved in a lender’s decision-making process in any way. Vivaloan is a free, no obligation service, that introduces prospective borrowers to prospective lenders who offer loans. Vivaloan merely provides a means for persons seeking loans to possibly connect with lenders who can provide those loans. In order for Vivaloan to facilitate such a connection, a prospective borrower is required to provide certain information in order for the lenders that Vivaloan works with to determine whether they might be interested or able to lend money to a prospective borrower. Vivaloan receives compensation from the lenders who, based on their criteria, determine that a potential borrower appears to meet their lending criteria (a “Lead” or “Leads”).

The lenders who compensate Vivaloan for Leads may request that introductions and Leads be based on information provided by prospective borrowers including social security number, address, phone number, employment history, bank account information etc. However, the information you submit on this website is not an application. It is information required by the lenders we work with in order to determine whether there’s a potential fit between a prospective borrower and a lender. Vivaloan does not accept loan applications, does not collect loan applications, does not sell loan applications, and does not assist in the loan application process in any way. Prospective borrowers will need to fill out an application with any lenders they are connected to through this website. Prospective lenders may verify your supplied information with a number of independent verification companies including but not limited to: CLVerify, Teletrack, or Accurint. Prospective lenders may ask for additional information as part of their application processes. Vivaloan cannot and does not guarantee that a prospective lender will approve a loan in a certain amount or even that a prospective lender will approve you for a loan. Qualifying for final approval for a Personal Loan depends on many factors including, but not limited to: income levels, credit and state of residence Not all lenders will approve a loan for the full amount requested. Not all lenders will approve a loan up to $15,000. All requests are subject to credit approval by the lender and the exact terms of your loan will be determined and presented to you by your lender. Each lender uses their own policies to determine their terms.

Vivaloan provides no advice regarding the lenders introduced to prospective borrowers. Vivaloan cannot guarantee that its prospective lenders are qualified to make loans in your state. Prospective borrowers should research any lender that they are introduced to and should not seek a loan from a lender that does not offer loans in their state. Vivaloan provides no advice regarding loan terms, the suitability of loans to you, or any other aspect of a loan. Vivaloan merely makes connections between prospective borrowers and lenders. Vivaloan does not present loan terms to prospective borrowers. Only prospective lenders provide loan terms to prospective borrowers once Vivaloan makes an introduction. You should carefully review each lender's terms and conditions to determine which loan works for you and your personal financial situation. Vivaloan recommends that potential borrowers read any loan terms thoroughly and/or retain a loan broker or agent if advice is needed. Interest rates and terms from prospective lenders are subject to change at any time without notice. Late or missed loan payments may be subject to increased fees and interest rates by the prospective lender. Prospective lenders offer no guarantee that you will be approved for credit or that upon approval you will qualify for the prospective lender's advertised rates, fees, or terms they have shown. The offers on this site are from lenders who provide compensation to Vivaloan.com for provided leads. There is no cost to you to use this service. All reasonable efforts are made to provide and maintain accurate information. The rates set forth herein are examples for illustrative purposes only and are provided by prospective lenders. They are not a guarantee or commitment from the prospective lenders to loan funds or extend credit. Loans are not available in all states at all requested amounts. This service is not available to residents from New York or West Virginia.