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.
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
• Apply online at the official Viva Credit site
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
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
Checked on 21 August 2026: the Viva Credit profile on Trustpilot showed 4.8 out of 5 from 1,944 reviews.
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.
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."
Verified data for this institution
Checked: · Viva Credit Plus
Registered entity: Viva Credit IFN S.A. · Registrul General + Special · RG-PJR-41-110267
Published APR: 296.61%
Published example for the checked product (RO): 20.000 lei · dobândă 0,40% pe zi · total 40.000 leiThe example belongs to the cited product and assumptions. It does not describe every product from the institution.