Rates & Terms
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Missouri Rates & Terms
Product
Personal Loan
Personal loans are installment loans. That means you borrow a lump sum, and you pay it back a bit at a time by making monthly payments. After you receive the lump sum of the loan, less any fees, and you can use the funds as you wish for large expenses or to consolidate other, smaller loans.
Rates & Terms
- Loan amount: $300 - $1,000
- APR: 250%
- Repayment term: 4 - 6 months
Costs
| Loan Amount* | Term | APR** | Payments*** |
|---|---|---|---|
| $300 | 4 months | 250% | 9 payments of $51.27 |
| $500 | 6 months | 250% | 13 payments of $68.90 |
| $1,000 | 6 months | 250% | 13 payments of $137.79 |
*These Example Offers are representative examples of the typical extensions of credit offered to qualified applicants. The above examples do not serve as a guarantee of any rates and terms that you may qualify for.
**Annual Percentage Rate (“APR”) is the cost of your loan expressed at a yearly rate.
***Based on bi-weekly payment frequency.
State Licenses
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Texas Rates & Terms
Product
Texas Credit Access Business (CAB) Installment Loan
ViviaFi will not be the lender for loans received at this site. ViviaFi is a Credit Access Business. We will attempt to arrange a loan between you and an unaffiliated third-party lender and service that loan once it is issued. Any questions, service issues or complaints about your loan will be addressed by ViviaFi and not the lender.
Rates & Terms
- APR: 625%
- Loan amount: $300 - $1,000
- Repayment term: Max. 6 months
Costs
State Licenses
Consumer disclosures Forms
The following links lead to cost disclosures, required by the state of Texas for all residents applying for a multi-payment CAB payday loan, which outline the total costs associated with some common examples of these types of loans:
- An Estimate of the Costs of a 7-Payment, bi-weekly, $300 Loan
- An Estimate of the Costs of a 13-Payment, bi-weekly, $500 Loan
- An Estimate of the Costs of a 13-Payment, bi-weekly, $1,000 Loan
Consumer Credit Notice
This business is licensed and examined under Texas law by the Office of Consumer Credit Commissioner (OCCC), a state agency. If a complaint or question cannot be resolved by contacting the business, consumers can contact the OCCC to file a complaint or ask a general credit-related question. OCCC address: 2601 N. Lamar Blvd., Austin, Texas 78705. Phone: (800) 538-1579. Fax: (512) 936-7610. Website: occc.texas.gov. Email: consumer.complaints@occc.texas.gov.
An advance of money obtained through a payday loan or auto title loan is not intended to meet long-term financial needs. A payday loan should only be used to meet immediate short-term cash needs. Refinancing the loan rather than paying the debt in full when due will require the payment of additional charges.
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Utah Rates & Terms
Product
Personal Loan
Personal loans are installment loans. That means you borrow a lump sum, and you pay it back a bit at a time by making monthly payments. After you receive the lump sum of the loan, less any fees, and you can use the funds as you wish for large expenses or to consolidate other, smaller loans.
Rates & Terms
- Loan amount: $300 - $1,000
- APR: 250%
- Repayment term: 4 - 6 months
Costs
| Loan Amount* | Term | APR** | Payments*** |
|---|---|---|---|
| $300 | 4 months | 250% | 9 payments of $51.27 |
| $500 | 6 months | 250% | 13 payments of $68.90 |
| $1,000 | 6 months | 250% | 13 payments of $137.79 |
*These Example Offers are representative examples of the typical extensions of credit offered to qualified applicants. The above examples do not serve as guarantee of any rates and terms that you may qualify for.
**Annual Percentage Rate (“APR”) is the cost of your loan expressed at a yearly rate.
****Based on bi-weekly payment frequency.
State Licenses
Apply Now