VivaLoan is not a lender. It is an online loans aggregator that bundles together multiple lenders who compete to lend to people who fill out the form in the platform. Since VivaLoan does not provide loans itself, it also does not perform credit checks on applicants. However, lenders might do just that as soon as you agree to their terms and decide to apply. For this reason it is advisable that you check your credit score, just to make sure you do not take an unnecessary hit to your score.

To get loan offers using VivaLoan you must fill in some information which the platform requires to match you to the best lenders. You can do that by logging on to VivaLoan’s website, and then going through the steps indicated by the platform, providing truthful information. The information required might include (but not restricted to) personal information such as full name and Social Security Number, contact information such as home address, phone number and email, as well as financial information such as income and housing situation.

Based on the information you have provided, VivaLoan searches for loans that suit your request. If the platform manages to find a lender, you will be notified in real-time by on the website. You will then be directed to the lender’s website for instructions on how to finalize your loan.