Your project, our financing
Education, health, consumption or cash flow — a flexible personal loan accessible to everyone, without proof of income, to bring every life project to fruition.
A loan for every need in your life
Regardless of your project or situation, we have a tailored financing solution. No proof of income required.
Classic Personal Loan
Finance any personal project without having to justify the use of funds. Weddings, travel, moving, equipment, or any other need: you are free to use it as you see fit.
Consumer Loan
Finance your major purchases: appliances, furniture, high-tech, sports equipment, or any other expense. Benefit from affordable monthly payments and rapid fund release.
Cash Flow Loan
Deal with the unexpected or anticipate an urgent expense. The cash flow loan offers you quick access to liquidity without having to justify its use.
Healthcare Loan
Your health is priceless. Finance dental care, surgery, medical treatments, eyewear, specialist care, or any other health need not covered by your insurance. No proof of income requested.
Student Loan
Invest in your future. Finance your tuition fees, student housing, IT equipment, study trips abroad or daily expenses during your studies.
Benefits of a Personal Loan with VIVIERA FINANCE
Financing designed to be as simple and inclusive as possible.
Inclusive Access
Employees, freelancers, students, retirees, or the unemployed — we review every application without discrimination.
No proof of income required
No pay slips or tax notices required. We make the process as simple as possible for you.
2.90% Fixed APR
A fixed rate for the entire term of your loan. Your monthly payments remain identical, with no surprises.
Fast Payout
Decision within 24 hours and funds available quickly in your account so your project isn't delayed.
100% online
From application to signing, everything is online. No travel required, wherever you are.
Zero Hidden Fees
The granted amount is paid in full. All costs are included in your monthly payments, nothing more.
Get your loan in 4 steps
An entirely online journey, without unnecessary paperwork, accessible to all situations.
Fill out the form
Indicate the desired amount, term, and some personal information. No proof of income.
Express Review
Our team reviews your application and gets back to you within 24 hours with a decision in principle.
Personalized Offer
Receive a clear proposal: fixed rate, installments, and term adapted to your situation.
Receive your funds
Sign online and receive the full amount directly in your bank account.
A loan truly for everyone
At VIVIERA FINANCE, we believe everyone deserves a chance to realize their projects. That's why our conditions are voluntarily simple and inclusive.
At least 18 years old
The applicant must be of legal age at the time of application.
Valid Identification
Valid ID card, passport, or residence permit.
Have a bank account
An active current account to receive your loan payout.
That's it!
No proof of income, no employment conditions. All situations are reviewed.
Good to Know
Unrestricted use
You are free to use the funds as you wish. No proof of use is requested after payout.
Fixed Monthly Payments
Thanks to the 2.90% fixed rate, your monthly payments are the same throughout the loan. You know exactly how much you are repaying each month.
Early Repayment
Repay early at any time, in full or in part. Only interest on the actual period of use is due.
Continuous Support
In case of difficulty or questions, contact us at +32480210071.
Frequently Asked Questions
No. No proof of income is requested for your personal loan application. We have simplified the process as much as possible so that anyone can apply, regardless of their professional situation.
Yes, absolutely. At VIVIERA FINANCE, we review all applications regardless of professional situation. Job seekers, students, retirees, temporary workers — each file is examined individually.
Only a valid identity document (ID card, passport, or residence permit) and bank details (IBAN) are needed to submit your application. No payslips or tax notices are required.
No. The review of your file and the offer preparation are entirely free. The full amount is paid into your account without any deductions.
Yes. The personal loan is for unrestricted use. Travel, weddings, moving, health, studies, miscellaneous purchases, or any other need: you are completely free to use it as you see fit, without justification.
Upon acceptance and signature of your contract, funds are generally paid into your account within 24 to 72 business hours.
Yes. You can repay in full or in part at any time. You will only be charged interest for the actual duration of use.
Yes. Secure electronic signature allows you to finalize your contract from home, anywhere in France, with no need to travel.
Contact us at +32480210071 as soon as possible. Each situation is evaluated individually. Deferral of installments, loan restructuring, or another solution — we will find an arrangement suited to your situation.
Yes, it is possible to take out several personal loans simultaneously. Each new application is reviewed independently. Do not hesitate to contact us to learn more about accumulation possibilities.
Ready to finance your project?
Submit your application online now. No proof of income, open to all, decision within 24 hours.
Fixed Rate 2.90% · Up to €2,000,000 · Zero Application Fees
