Financial Benefits in Paychex Flex® Perks
Financial confidence starts with your paycheck.
Access personal loans when you need funds today, or build stronger credit for what comes next — all designed around your paycheck.
How Can VIVA Help You?
Affordable loans for employees
Instantly access personal loans based on your employment, not just your credit score.
Our Customers
M. Clavenger
I. Moreno
M. Jr.
T. O'Neal
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Up to $15,000
Consolidate debt, cover unexpected expenses, and more.
Quick Application
Get an instant offer and as fast as same-day funding.
5-Star Service
Dedicated support from our expert team whenever you need assistance.
How a VIVA Personal Loan Works
VIVA incorporates your employment information, so a thin or damaged credit file does not automatically rule you out.
Apply in minutes
Start from Paychex Flex, confirm your employment details, and see your offer instantly.
Review your offer
Choose your amount and term, up to $15,000 over as long as 36 months, with no prepayment penalty.
Repay from your paycheck
Payments come out of your pay on a schedule that matches how you are paid.
Personal Loan Frequently Asked Questions
Eligibility
Before Your Loan
Credit and Credit Checks
Direct Deposit and Repayment
After Your Loan
Funding
