Viva Credit is a Romanian NBFI active online since 2019, specialised in consumer loans under 9,400 lei. The company operates two parallel products differentiated by sum and term.
Quick answer
Registered NBFI with NBR. Two products: Viva Rapid (470-2,350 lei, 3-6 months) and Viva Plus (2,350-9,400 lei, up to 18 months). APR 38-78% by product. Trustpilot 3.8/5. Apply at official Viva Credit site.
Two products
Viva Rapid is for small sums under 2,350 lei with 15-minute approval. Viva Plus is for larger sums up to 9,400 lei with 24-hour approval and lower APR.
Customer profile
Built for digital segment with stable income: salaried earners above 1,470 lei monthly, pensioners, freelancers with 12+ month fiscal history, recipients of foreign income.
Bogdan Băicu, financial journalist: "A reader, Mihai, 42, compared offers for 4,700 lei over 24 months: Viva (42.3% APR, 278 lei rate), Hora (38.5%, 266), CreditPrime (36.8%, 262), Banca Transilvania (24.7%, 235). General lesson: timing and total cost are two variables in balance."
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Frequently asked questions
What's the difference between Viva Credit Rapid and Viva Credit Plus?
Rapid is for small sums (470-2,350 lei) and short periods (3-6 months), approved in 15 minutes for eligible profiles. Plus is for larger sums (2,350-9,400 lei) and periods up to 18 months, with an extra income verification step extending approval to 24 hours.
Viva Credit APR June 2026?
For a Viva Plus loan of 4,700 lei over 24 months, the official simulator shows APR 42.3% at 16 June 2026. On Viva Rapid 1,500 lei over 6 months, APR is 67.8%.
Who can apply for Viva Credit?
Age 20-70, Romanian citizenship or valid residence permit, minimum declared income 1,470 lei monthly. Salaried, pensioners, freelancers, and recipients of foreign income are accepted.
Can I take a loan without a salary certificate?
For Viva Rapid under 2,350 lei, no certificate is required; self-declaration plus account statement suffice. For Viva Plus above 2,350 lei, an income certificate or pension slip is generally required.
How long until the money arrives on my card?
After signing the electronic contract, money is transferred to the card within 1-3 hours on business days, or the next business day for weekend applications.