All your questions answered
Find answers to the most frequently asked questions about our financing services, terms, and operations.
General Questions
VIVIERA FINANCE is an institution specialized in financing for individuals and professionals. We offer personal, mortgage, auto, and business loans, as well as debt consolidation solutions—all with a 2.90% fixed rate and zero application fees.
We offer: personal loans (standard, consumer, cash flow, health, student), mortgage loans (purchase, renovation, equity), auto loans (new, used, motorcycle, commercial), business loans (startup, development, equipment, cash flow, acquisition), and debt consolidation (consumer, mortgage, mixed, or refinancing + cash).
The maximum amount is €2,000,000, depending on the loan type and your situation. The minimum amount is €500. Every application is reviewed individually.
We apply a 2.90% fixed APR to all our financing products. This rate is guaranteed for the life of the loan; your monthly installments remain the same from start to finish.
Loan Application
Simply fill out our online application form on our website. Enter the desired amount, term, contact details, and the purpose of your request. No proof of income is required. You will receive a response within 24 to 48 hours.
Only a valid form of identification (ID card, passport, or residence permit) is required to submit your application. No payslips or tax notices are required.
You will receive an initial response within 24 to 48 hours after submitting your complete file. Funds are typically disbursed within 3 to 10 business days, depending on the loan type.
Yes. Secure electronic signature allows you to finalize your contract from home, anywhere in France, with no need to travel.
Conditions & Éligibilité
Any legal adult (minimum 18 years old) with valid identification can apply. We accept all profiles: employees, freelancers, retirees, students, and job seekers. No proof of income is required.
Yes, absolutely. At VIVIERA FINANCE, we review all applications without discrimination regarding professional status. Every file is examined individually.
No. The total credit amount is disbursed in full to your account. No fees are deducted from the released amount; all costs are included in your monthly installments.
Yes, you can hold multiple loans simultaneously (personal + auto, personal + business, etc.). Each application is studied independently.
Repayment
Yes. You can repay in full or in part at any time. You will only be charged interest for the actual period the loan was used.
Contact us at +32480210071 as soon as possible. Every situation is evaluated individually. Solutions such as deferment or loan restructuring may be offered.
Yes. Thanks to the 2.90% fixed rate, your monthly installments remain the same for the life of the loan. You know exactly what you are paying each month, with no surprises.
Security & Confidentiality
Yes. All transmitted data is encrypted via SSL (256-bit) and processed in compliance with GDPR. Your information is never shared with third parties without your explicit consent.
Yes. Our electronic signature solution is certified and holds the same legal value as a handwritten signature. It is protected by a multi-factor authentication protocol.
You can reach us by phone at +32480210071, via email at info@viviera-finance.com, or through our online contact form. We respond within 24 hours.
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