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Loans like Viva Finance

5 loans like Viva Finance that offer bad credit options and higher loan amounts.

Viva Finance stands out from the competition by offering fixed-rate personal loans of up to $10,000, with an approval process that considers employment status rather than solely relying on credit scores. By focusing on employment status, it offers opportunities to people who may have a harder time qualifying with traditional lenders.

Despite these benefits, some customers raise concerns about a lack of transparency and high interest rates, which have led to feelings of being trapped in a cycle of debt. As a result, some borrowers may be more comfortable working with a lender that prioritizes transparency and offers more competitive rates.

Our 5 top picks for loans like Viva Finance

Alternative for flexible eligibility requirements

OppLoans Installment Loans

4.7 / 5 ★★★★★

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Opp Loans is an installment loan lender that aims to extend credit access to people who wouldn't normally qualify at mainstream banks. This lender, with an A rating from the Better Business Bureau, offers personal loans ranging from $500 to $4,000. It also offers bad credit loans and no credit check loans with an easy application process.

But those looking for larger loans with lower APRs may consider looking elsewhere. The maximum APR for OppLoans can reach as high as 179% compared to Viva Finance's 35.99%.

  • Not available in: Colorado, Connecticut, Georgia, Iowa, Maryland, Massachusetts, New York, South Dakota, Vermont, West Virginia
  • Offers loans to those with bad to no credit
  • Same-day funding available
  • Fixed interest rates with no fees
  • Operates in select 34 states
  • Possible high interest rate
  • Loans only up to $4,000
Loan amount$500 - $4,000
Interest rate typeFixed
Loan Term9 to 18 months
Turnaround timeAs soon as the same business day

Alternative for smaller loan amounts

Possible Finance Mobile Installment Loans

Possible Finance is a payday loan alternative that allows you to pay back your loan in installments without any late fees or penalties. Through its app, you can borrow up to $500 instantly. The app boasts a 4.8 rating on the Apple store with hundreds of positive customer ratings.

However, those looking for larger loan amounts may find more options with competitors.

  • Available in: Alabama, California, Delaware, Florida, Idaho, Indiana, Iowa, Kansas, Kentucky, Louisiana, Michigan, Mississippi, Missouri, Ohio, Oklahoma, Rhode Island, South Carolina, Tennessee, Texas, Utah, Washington
  • No late fees or penalties
  • 29-day grace period
  • You can adjust due date in the app
  • Loan fees differ based on state
  • Slightly lower BBB rating than competitors
Loan amountUp to $500 except in California where max loan amount $250
Loan Term2 to 8 weeks
Turnaround timeAs fast as 1 business day

Alternative for large debt consolidation loans

OneMain Financial personal loans

3.4 / 5 ★★★★★

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OneMain Financial is a lender that offers personal loans between $1,500 to $20,000, with up to 60 months in repayment plans. Its wide range allows a flexible option for those looking to consolidate small or large amounts of debt. The company currently boasts a positive reputation among customers, with a 4.8 rating out of 5 on Trustpilot.

However, this company charges late fees and may not lend to people with poor credit.

  • Not available in: Alaska, Arkansas, Connecticut, Massachusetts, Rhode Island, Vermont
* OneMain Disclosures:

Not all applicants will be approved. Loan approval and actual loan terms depend on your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). If approved, not all applicants will qualify for larger loan amounts or most favorable loan terms. Larger loan amounts require a first lien on a motor vehicle no more than ten years old, that meets our value requirements, titled in your name with valid insurance. Loan approval and actual loan terms depend on your state of residence and your ability to meet our credit standards (including a responsible credit history, sufficient income after monthly expenses, and availability of collateral). APRs are generally higher on loans not secured by a vehicle. Highly-qualified applicants may be offered higher loan amounts and/or lower APRs than those shown above. OneMain charges origination fees where allowed by law. Depending on the state where you open your loan, the origination fee may be either a flat amount or a percentage of your loan amount. Flat fee amounts vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of your loan amount subject to certain state limits on the fee amount. Visit for more information. Loan proceeds cannot be used for postsecondary educational expenses as defined by the CFPB’s Regulation Z such as college, university or vocational expense; for any business or commercial purpose; to purchase cryptocurrency assets, securities, derivatives or other speculative investments; or for gambling or illegal purposes.

Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100. California: $3,000. Georgia: Unless you are a present customer, $3,100 minimum loan amount. North Dakota: $2,000. Ohio: $2,000. Virginia: $2,600.

Borrowers (other than present customers) in these states are subject to these maximum unsecured loan sizes: North Carolina: $7,500. An unsecured loan is a loan which does not require you to provide collateral (such as a motor vehicle) to the lender.

Example Loan: A $6,000 loan with a 24.99% APR that is repayable in 60 monthly installments would have monthly payments of $176.07.

Time to Fund Loans: Funding within one hour after closing through SpeedFunds must be disbursed to a bank-issued debit card. Disbursement by check or ACH may take up to 1-2 business days after loan closing.
  • Offers larger loans than competitors
  • Can receive check same day as closing
  • Option to meet in person at local branch
  • Minimum loan sizes in select states
  • Charges origination fees, either flat fee or percentage depending on state
  • Late fees ranging from $5 to $30
  • Rates up to 35.99% APR
Loan amount$1,500 to $20,000
APR18% to 35.99%
Interest Rate TypeFixed
Min. credit scoreNot specified
Turnaround TimeAs soon as the same business day
Maximum Loan Term5 years
Minimum Loan Term2 years

Alternative for no fees

Chime SpotMe®

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Chime SpotMe provides a convenient cash advance feature within the Chime banking ecosystem, offering fee-free overdrafts of up to $200 for eligible account holders. This service allows users to overdraw their account for debit card purchases and ATM withdrawals without incurring overdraft fees.

However, not everyone qualifies for Chime SpotMe, and the app doesn't cover non-debit card transactions.

  • Available in all states
Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. Direct deposit: Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date. SpotMe: Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
  • No upfront fees
  • Must have a low $200 minimum deposit in last 34 days
  • Pay it forward feature to give back to other members and build community
  • Starts at $20 but only goes up to $200 in overdraft coverage
  • Does not cover transfers into your savings account
  • Not compatible with Venmo or Cash App without workaround
Loan amountUp to $200
Loan TermNext deposit
Turnaround timeSame day

Alternative for overdraft leniency


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The Albert app, known for its cash advance and saving features, provides quick advances ranging from $25 to $250. Customers don't need to worry about a credit check, and those that use either the cash or savings features have their money FDIC insured up to $250,000 by Sutton Bank. Users also receive a 30-day free trial with the Genius subscription to test out the app and see if it fits their needs.

However, if you prefer a traditional payback model versus subscription fees, you may want to look elsewhere.

  • Available in all states
  • Larger overdraft protection of up to $250
  • Albert Cash and savings accounts are FDIC insured up to $250,000
  • 10-day period to pay overdrafts
  • Subscription required for some features
  • Account connected to Albert must have long transaction history
  • Your access to overdraft amounts may change over time
Loan amountUp to $250
Loan TermN/A
Turnaround time2–3 business days or instant for a fee

How does Viva Finance compare?

Viva Finance stands out amongst its competitors for offering loans up to $10,000 underwritten primarily based on employment information rather than only credit history. This may make it easier to get a loan with Viva Finance than traditional lenders.

However, Viva Finance may have limitations in terms of loan amounts, depending on your credit profile and recurring income.


  • Secure up to $10,000
  • – business days to receive funds
  • Repayment period of 5–24 months


  • Approval based on employment history
  • Only one loan at a time

Alternatives to cash advances and installment loans

If you’d rather skip installment loans and cash advance apps altogether, here are a few alternatives to consider.

  • Paycheck Advance from Employer. Some employers offer paycheck advances or short-term loans to employees. This allows you to access a portion of your earned wages before the regular payday without the high costs associated with payday loans.
  • Loans from CDFIs. Community development financial institutions offer small-dollar loans to their members, which have lower interest rates than some installment loans on the market. However, you may need a minimum credit score of 640 or higher.
  • Negotiate with Your Creditors. A conversation with your creditors may result in having a more lenient repayment plan similar to many installment loans on the market. Call your creditors to find out if you can lower your interest rates and extend your repayment horizons.

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