Viva Credit Reviews 

1,986
TrustScore 5 out of 5

4.8

While we don't verify specific claims because reviewers' opinions are their own, we may label reviews as "Verified" when we can confirm a business interaction took place. Read more

To protect platform integrity, every review on our platform—verified or not—is screened by our 24/7 automated software. This technology is designed to identify and remove content that breaches our guidelines, including reviews that are not based on a genuine experience. We recognise we may not catch everything, and you can flag anything you think we may have missed. Read more

Review summary

Created with AI, based on recent reviews

Evaluating 228 reviews, reviewers overwhelmingly had a truly great experience with this financial company, highlighting its overall reliability, safety, and operational efficiency. Customers frequently praise the staff members for being exceptionally helpful, kind, and responsive during stressful financial emergencies when expert guidance is truly needed most. Consumers also appreciate the remarkably fast loan approval process, transparent repayment terms, and the wide variety of flexible choices available to pay back borrowed money. Many people note that the digital mobile application is remarkably easy and intuitive to use, allowing for smooth cash withdrawals and providing a dependable financial reserve before payday arrives.

What people talk about most

Service

Reviewers highlight positive aspects of service, consistently noting that the company provides fast and... See more

Staff

People report positive experiences with staff, highlighting their professionalism, kindness, and promptness.... See more

Payment

Reviewers mention positive feedback about payment, highlighting fast withdrawals and quick money transfers... See more

User experience

Users describe positive interactions with user experience, finding it fast, safe, and helpful when respecting... See more

Customer service

Clients share positive opinions on customer service, highlighting fast and helpful assistance without... See more

Reviews shaping this summary

Rated 5 out of 5 stars

Small loan company, with everything upfront. Sure they have their commission but you always know exactly how much you get and how much you owe. They are fast, reliable, and never said No when I needed... See more

Rated 5 out of 5 stars

Fast analysis, then fast and correct behaviour in monthly usage of the services. Very useful reserve of money at the end of month, with 5-7 days before the salary.

Company replied

Rated 5 out of 5 stars

My experience with this company is great, I respect the technical and customer support over the phone, they explain everything that you need to know in a very kind matter, even if you forget to speci... See more

Company replied

Rated 5 out of 5 stars

Every time I need some guidance on the phone the employee’s response is very nice and helpful and the application itself is very good and helpful


Company details

  1. Non-Bank Financial Service

Written by the company

Când cei dragi se bazează pe tine, tu bazează-te pe Viva Credit! :) Misiunea noastră este să oferim o soluție rapidă și convenabilă pentru finanțarea nevoilor tale urgente - linia de credit. Cum arătăm în cifre? Peste 13 ani de experiență în România Peste 1.000.000 de împrumuturi acordate Peste 90% dintre clienți ne-ar recomanda altor prieteni Ce este Linia de Credit? Este rezerva ta de bani până la salariu din care poți retrage oricând ai nevoie, de câte ori ai nevoie. Ce beneficii oferim? 0% dobândă în primele 30 de zile. Oferta este valabilă pentru clienții noi; Plătești dobândă doar pentru suma retrasă; Poți rambursa anticipat fără comisioane sau alte penalități; Suma rambursată, mai puțin dobânda, este din nou disponibilă pentru a fi retrasă; Poți plăti lunar doar 10% din suma utilizată + dobânda acumulată; Atât timp cât nu retragi bani, nu te costă nimic. VIVA Credit IFN SA este o instituţie financiară nebancară înregistrată în Registrul General al Băncii Naţionale a României cu numărul RG-PJR-41-110267.


Contact info

4.8

Excellent

TrustScore 5 out of 5

2K reviews

5-star
4-star
3-star
2-star
1-star

Asks customers to review

This company invites their customers to review, whether positive or negative

At Trustpilot, it's all about human content. This business can also access our AI-assisted response tool which helps them draft replies.

How this company uses Trustpilot

See how their reviews and ratings are sourced, scored, and moderated.

4.8

All reviews

(1,986)

733 reviews in the last 12 months

Write a review
Companies on Trustpilot aren't allowed to offer incentives or pay to hide reviews. Reviews are the opinions of individual users and not of Trustpilot. Read more

Rated 1 out of 5 stars

The processing time is so slow.

3 August 2026
Unprompted review
Viva Credit logo

Reply from Viva Credit

Salut, Rareș,

Îți mulțumim pentru feedback. Ne pare rău să auzim că ai avut o experiență neplăcută. Ne dorim ca procesul de acordare a creditului să fie cât mai rapid, însă în anumite situații sunt necesare verificări suplimentare, ceea ce poate prelungi timpul de procesare.

Dacă te putem ajuta cu orice altă informație, te rugăm să ne contactezi la numărul de telefon 021 303 0080.

O zi frumoasă,
Echipa Viva Credit

Rated 5 out of 5 stars

the staff are professional and kind

Their offers are clear, the staff are professional and kind , they have precise guidelines and stand by them.
My experience is a positive one.

30 July 2026
Viva Credit logo

Reply from Viva Credit

Bună, Roxana,

Mulțumim pentru încrederea acordată și ne bucurăm că îți putem fi de folos când ai nevoie! 💛


Echipa Viva Credit

Rated 5 out of 5 stars

Very good experience

My credit experience was very good concerning to find a fast credit and to return my installments.

15 July 2026
Unprompted review
Viva Credit logo

Reply from Viva Credit

Bună, Anca,


Mulțumim pentru încrederea acordată și ne bucurăm că îți putem fi de folos când ai nevoie! 💛


Echipa Viva Credit

The Trustpilot Experience

Anyone can write a Trustpilot review. People who write reviews have ownership to edit or delete them at any time, and they’ll be displayed as long as an account is active.

We use dedicated people and clever technology to safeguard our platform. Find out how we combat fake reviews.

Learn about Trustpilot’s review process.

Here are 8 tips for writing great reviews.

Verification can help ensure real people are writing the reviews you read on Trustpilot.

Offering incentives for reviews or asking for them selectively can bias the TrustScore, which goes against our guidelines.

Take a closer look