Simple, fast, transparent
From application to disbursement, discover how we finance your projects in just a few steps, without unnecessary paperwork.
Financing reinvented
Traditional banks apply rigid criteria from another era. At VIVIERA FINANCE, we have chosen modernity: a fully digitalized process, without unnecessary barriers, that evaluates your actual situation rather than just checking boxes.
No proof of income, no employment conditions, no endless paperwork. A 2.90% fixed rate for everyone, a single form, a fast response. It's that simple.
To complete
To evaluate
To disburse
"Capital should move at the speed of information. Our mission is to remove the friction between your project and its funding."
Financial Management
VIVIERA FINANCE
Your funding in 4 steps
A journey designed to be as simple and fast as possible, without unnecessary obstacles.
Fill out the online form
In just 5 minutes, enter the desired amount, term, contact details, and the purpose of your request. No proof of income, no complex documents. The form is accessible 24/7 from your phone or computer.
Express application review
Upon receipt of your request, our experts analyze your situation and evaluate the feasibility of your project. Unlike traditional banks, we do not require permanent contracts or financial statements. We look at your overall situation with professional care.
Receive your tailored offer
An advisor will present a personalized offer detailing the amount, the 2.90% fixed rate, the term, monthly payments, and general conditions. If you accept the offer, sign your contract online using our secure and certified electronic signature solution.
Receive your funds
After signing the contract, funds are released and transferred directly to your bank account. The full amount is disbursed without any fee deductions. Depending on the loan type, disbursement occurs within 24 hours to 10 business days.
Summary
Form
Complete in 5 minutes
Analysis
Response within 24–48h
Offer & Signing
Contract signed online
Funds disbursed
To your bank account
What sets us apart
What you need
The bare minimum to submit your application. No paperwork, no stress.
Identification
Valid ID card, passport, or residence permit. This is the only mandatory document.
Bank account
An active current account to receive your loan funds via SEPA transfer.
Your Project
Describe your needs in a few words: mortgage, auto, personal, business, or consolidation.
Thousands of funded projects
"I obtained my loan in less than 3 days, without any proof of income. The process was incredibly simple and fast."
Marie L.
Personal Loan
"After two bank rejections, VIVIERA FINANCE accepted my application in 48 hours. The 2.90% fixed rate allowed me to plan with peace of mind."
Thomas R.
Mortgage Finance
"My 4 loans consolidated into one. My monthly payments dropped by 55%. I highly recommend it!"
Sophie M.
Debt Consolidation
Frequently Asked Questions
Find answers to the most frequently asked questions about our financing process.
All questionsThe form takes about 5 minutes to fill out. You will receive an initial response within 24 to 48 hours.
No. No proof of income is requested. Only a valid ID is required.
Yes. We review all profiles without discrimination: employees, freelancers, retirees, students, and job seekers.
No. The review of your file is entirely free. No fees are deducted from the disbursed amount.
No. The 2.90% rate is fixed and guaranteed for the life of your contract. Your monthly payments will never change.
Yes, at any time. You will only be charged interest for the actual period of use.
Ready to start?
Don't wait. Submit your application in 5 minutes and receive a response within 24 hours. 2.90% fixed rate, zero fees, open to all.
Up to €2,000,000 · No documentation · Online signature