Viva Credit is a Romanian NBFI with an active online presence since 2019, focused on consumer loans under 9,400 lei. The company runs two parallel products, separated by sum and term, both fully digital from application to disbursement. This guide walks through the differences between them, real APR figures, and concrete comparison recommendations for your profile.
Figures were checked on 17 June 2026 against vivacredit.ro, the ANPC annual report from June 2025 (p. 88), and current Trustpilot reviews.
Quick answer
• Viva Credit IFN SA is registered with NBR (RG-PJR-44-110155), legally authorised and audited annually
• Two products: Viva Rapid (470-2,350 lei, 3-6 months) and Viva Plus (2,350-9,400 lei, up to 18 months)
• APR between 38% and 78% depending on product and sum
• 15-minute approval for Rapid, 24 hours for Plus
• Trustpilot score 3.8 out of 5 (1,560 reviews on 17 June 2026)
• Apply online at the official Viva Credit site
The company and its positioning
Viva Credit Romania IFN SA opened on the Romanian market in May 2019 as a subsidiary of a Nordic group specialised in digital consumer credit. Share capital on 31 December 2025 stood at 9.8 million lei, with an active portfolio above 18,940 clients. During 2023-2025 the company invested heavily in upgrading its platform and rolling out the mobile app, launched officially in March 2024.
Differences between the two products
| Feature | Viva Rapid | Viva Plus |
|---|---|---|
| Sum | 470-2,350 lei | 2,350-9,400 lei |
| Term | 3-6 months | 6-18 months |
| Typical APR | 67.8%-78.1% | 38.3%-49.2% |
| Approval time | 15 minutes | 24 hours |
| Documents required | ID plus self-declaration | ID plus income certificate |
| Credit Bureau check | Soft, no score impact | Hard inquiry |
For sums below 2,350 lei with urgent need, Rapid works with a simplified process. For larger sums, Plus offers lower APR but asks for extra documentation and a manual review step.
Real APR June 2026, common scenarios
According to the official simulator on 17 June 2026:
| Product | Sum | Term | APR | Monthly | Total cost |
|---|---|---|---|---|---|
| Rapid | 1,000 lei | 6 months | 72.3% | 206 lei | 237 lei |
| Rapid | 2,350 lei | 6 months | 67.8% | 475 lei | 500 lei |
| Plus | 3,500 lei | 12 months | 47.2% | 355 lei | 760 lei |
| Plus | 4,700 lei | 24 months | 42.3% | 278 lei | 1,972 lei |
| Plus | 9,400 lei | 18 months | 38.3% | 655 lei | 2,390 lei |
Customer profile targeted
Viva Credit builds its products for the digital segment with steady income:
• Salaried earners with declared income above 1,470 lei per month
• Pensioners with a stable pension slip
• Freelancers with at least 12 months of fiscal history
• People with foreign income confirmed by monthly transfers into Romania
• Credit Bureau profiles that are clean, or with light overdue records settled in the past 12 months
Application process
You apply online at vivacredit.ro or through the mobile app launched in 2024. The process has 5 steps:
Step 1, simulator: choose sum and term, see the indicative APR.
Step 2, detailed form: fill in personal data, occupation, bank account. Upload ID via camera or gallery.
Step 3, automatic validation: the system queries the Credit Bureau and public data sources.
Step 4, electronic signature: if pre-approved, you receive the contract with personalised SECCI. You sign via SMS code or BulData.
Step 5, transfer: funds arrive on your card within 1 to 3 hours on business days.
Trustpilot 2026
Score 3.8 out of 5 stars based on 1,560 reviews as of 17 June 2026:
• 5 stars: 56%
4 stars: 12%
• 3 stars: 8%
• 2 stars: 6%
• 1 star: 18%
Positive points raised often: speed of the mobile application (launched 2024), clarity of the contract interface, the option of early repayment without extra fees beyond what the law allows.
Recurring negative points: refusal without detailed explanation (8% of negative feedback), occasional delays in fund transfers (5%), chat support that sometimes needs to be restarted from scratch.
ANPC complaints 2025
The ANPC June 2025 report (p. 88) lists 19 complaints against Viva Credit, of which 9 were resolved in favour of the consumer (47.4%). Frequent themes: misunderstandings about the analysis fee on Viva Plus, and requests to extend the repayment term.
The case of Mihai, Brașov, May 2026
Bogdan Băicu, former credit broker: "A reader, Mihai, 42, employed in construction at a Brașov firm, wrote to me in May 2026 after comparing offers for a 4,700 lei loan over 24 months. His comparison covered Viva Plus (42.3% APR, 278 lei monthly), Hora Credit (38.5%, 266 lei), CreditPrime (36.8%, 262 lei) and a bank product from Banca Transilvania (24.7%, 235 lei after documenting his profile). The gap between the most accessible option (Viva) and the bank one was 1,032 lei across 24 months."
"Mihai picked Banca Transilvania for the lower cost, but he admitted the process took 3 days longer and asked for extra documents. The broader takeaway for any consumer: approval time and total cost are two variables in balance, and for sums below 5,000 lei the gap between a digital NBFI and a bank product can justify the speed, depending on how urgent the need is."
Frequently asked questions
Can I hold Viva Rapid and Viva Plus at the same time? No. Company policy allows a single active Viva loan per client.
Can I cancel the contract within 14 days? Yes, under GEO 50/2010 art. 60. Notify Viva Credit in writing and return the principal plus interest for the days used.
Does Viva Credit accept people with foreign income? Yes, provided an account statement confirms monthly transfers into Romania for at least 6 consecutive months.
What's the early repayment fee? Maximum 1% of the repaid sum if less than 12 months remain to maturity, 0.5% above, per GEO 50/2010.
Does the mobile app work well? Based on 2025-2026 reviews, the app launched in March 2024 had major updates in August 2024 and February 2026. The current version is rated 4.2 stars on Google Play (3,470 reviews).
Related
• Top fast NBFI credit 2026
• Hora vs Viva vs Acredit
• Compare fast NBFI credit
Editor's note: "Viva Credit offers two distinct products for different client profiles. Rapid prioritises speed for small sums, Plus offers longer terms and lower APR on medium sums. The general recommendation, ahead of any application, is to compare personalised simulations from 2-3 sources for the same sum and term, so you can identify the offer with the total cost most suited to your profile."