{"id":1974,"date":"2018-09-03T10:52:28","date_gmt":"2018-09-03T07:52:28","guid":{"rendered":"https:\/\/financer.ro\/?post_type=company_single&#038;p=1974"},"modified":"2024-05-10T14:37:42","modified_gmt":"2024-05-10T11:37:42","slug":"viva-credit","status":"publish","type":"company_single","link":"https:\/\/financer.ro\/companie\/viva-credit\/","title":{"rendered":"Viva Credit"},"content":{"rendered":"\n<p>Viva Credit este o institu\u021bie financiar\u0103 nebancar\u0103 100 % rom\u00e2neasc\u0103, de\u021binut\u0103 de c\u0103tre VIVA Credit IFN SA \u0219i lansat\u0103 \u00een anul 2010. <\/p>\n\n\n\n<p>Compania este unul dintre cei mai experimenta\u021bi juc\u0103tori \u00een materie de credite p\u00e2n\u0103 la salariu \u0219i <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/credit-rapid-online-fara-acte\/\">credite rapide online f\u0103r\u0103 acte<\/a> de la noi din \u021bar\u0103.<\/p>\n\n\n\n<p>Iat\u0103, pe scurt, serviciile oferite \u0219i condi\u021biile cu care acestea vin: <\/p>\n\n\n\n<table>\n<thead>\n<tr>\n<th colspan=\"2\">Viva Credit &#8211; privire de ansamblu<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Produse oferite<\/strong><\/td>\n<td>Credite rapide \u0219i linie de credit<\/td>\n<\/tr>\n<tr>\n<td><strong>Sum\u0103 maxim\u0103 creditat\u0103<\/strong><\/td>\n<td>5.000 lei pentru credite rapide \u0219i 20.000 lei pentru linia de credit<\/td>\n<\/tr>\n<tr>\n<td><strong>Dob\u00e2nd\u0103 zilnic\u0103 pentru creditul rapid<\/strong><\/td>\n<td>0 % pentru clien\u021bii noi \u0219i 1.2 % pentru clien\u021bii existen\u021bi<\/td>\n<\/tr>\n<tr>\n<td><strong>Dob\u00e2nd\u0103 zilnic\u0103 pentru linia de credit<\/strong><\/td>\n<td>0.4 %<\/td>\n<\/tr>\n<tr>\n<td><strong>Perioad\u0103 de rambursare<\/strong><\/td>\n<td>5 &#8211; 30 zile creditul rapid, 12 luni linia de credit<\/td>\n<\/tr>\n<tr>\n<td><strong>Acte necesare<\/strong><\/td>\n<td>Carte de identitate valabil\u0103 \u0219i extras de cont care s\u0103 fac\u0103 dovada venitului lunar<\/td>\n<\/tr>\n<tr>\n<td><strong>Aprobarea creditului<\/strong><\/td>\n<td>\u00centre 15 minute \u0219i 2 ore din momentul trimiterii actelor<\/td>\n<\/tr>\n<tr>\n<td><strong>Debitarea direct\u0103 a datoriei de pe card<\/strong><\/td>\n<td>Da<\/td>\n<\/tr>\n<tr>\n<td><strong>Posibilitate de plat\u0103 numerar<\/strong><\/td>\n<td>Da, la punctele de lucru fixe \u0219i la institu\u021biile bancare partenere<\/td>\n<\/tr>\n<tr>\n<td><strong>Puncte de lucru fixe<\/strong><\/td>\n<td>Da<\/td>\n<\/tr>\n<tr>\n<td><strong>V\u00e2rsta minim\u0103 a aplicantului<\/strong><\/td>\n<td>20 ani<\/td>\n<\/tr>\n<tr>\n<td><strong>Venit minim<\/strong><\/td>\n<td>700 lei<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Avantaje_i_dezavantaje\">Avantaje \u0219i dezavantaje<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"like\"><li><p><strong>Dob\u00e2nd\u0103 de 0 % pentru clien\u021bii noi<\/strong> &#8211; cei care apeleaz\u0103 pentru prima dat\u0103 la un credit Viva de p\u00e2n\u0103 \u00een 5000 lei o vor face f\u0103r\u0103 costuri suplimentare pentru primele 30 zile<\/p>\n<\/li><li><p><strong>Suma maxim\u0103 acordat\u0103 este de 20.000 lei<\/strong> &#8211; pentru clien\u021bii care opteaz\u0103 pentru linia de credit pe 12 luni<\/p>\n<\/li><li><p><strong>Pl\u0103te\u0219ti dob\u00e2nd\u0103 doar pentru sumele utilizate<\/strong> &#8211; indiferent c\u00e2t de mare este linia de credit ce \u021bi-a fost aprobat\u0103, dob\u00e2nd\u0103 se pl\u0103te\u0219te doar din sumele pe care le-ai utilizat din ea<\/p>\n<\/li><li><p><strong>Proces de aplicarea 100 % online<\/strong> &#8211; po\u021bi aplica pentru un Viva credit online, f\u0103r\u0103 s\u0103 fie nevoie s\u0103 te deplasezi la vreun punct de lucru fix<\/p>\n<\/li><li><p><strong>Apobare rapid\u0103<\/strong> &#8211; aprobarea unui dosar de credit complet dureaz\u0103 15 minute, ceea ce \u00eenseamn\u0103 c\u0103 \u00een maxim dou\u0103 ore din momentul trimiterii actelor po\u021bi avea banii \u00eemprumuta\u021bi \u00een cont<\/p>\n<\/li><li><p><strong>F\u0103r\u0103 costuri ascunse<\/strong> &#8211; tot ce ai de pl\u0103tit este dob\u00e2nda pentru sumele utilizate; nu pl\u0103te\u0219ti comisioane de acordare, de administrare, de aprobare dosar etc.<\/p>\n<\/li><\/ul><\/div><\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\"><div class=\"fn_block block_fn_pros_cons\"><ul class=\"dislike\"><li><p><strong>Dob\u00e2nda este una destul de mare<\/strong> &#8211; indiferent c\u0103 discut\u0103m despre linia de credit (ce vine cu o dob\u00e2nd\u0103 de 0.4 % pe zi) sau, mai important, despre creditul rapid (ce vine cu o dob\u00e2nd\u0103 de 1.2 % pe zi), dob\u00e2nzile sunt unele mari, in special dac\u0103 la\u0219i creditul activ pe mai mult timp<\/p>\n<\/li><li><p><strong>Dob\u00e2nd\u0103 penalizatoare pentru restan\u021bi<\/strong> &#8211; \u00een caz de neplat\u0103 a obliga\u021biilor, se va ad\u0103uga la dob\u00e2nda aferent\u0103 creditului \u00een desf\u0103\u0219urare \u0219i o dob\u00e2nd\u0103 penalizatoare de 1.2 % pe zi<\/p>\n<\/li><li><p><strong>Suma maxim\u0103 acordat\u0103 depinde de venitul fiec\u0103rui aplicant<\/strong> &#8211; astfel, cei ce au venitul minim solicitat, de 700 lei lunar, nu vor avea cum s\u0103 acceseze cei 20.000 lei despre care vorbeam la sec\u021biunea dedicat\u0103 avantajelor, ci lor li se va seta o linit\u0103 de credit mult mai mic\u0103<\/p>\n<\/li><li><p><strong>Neplata datoriilor are un impact negativ asupra istoricului de creditare<\/strong> &#8211; ca \u0219i \u00een cazul altor companii financiare, \u0219i Viva Credit va trebui s\u0103 anun\u021be Biroul de Credit atunci c\u00e2nd un beneficiar nu \u00ee\u0219i p\u0103te\u0219te la timp datoriile, fapt care poate duce la imposibilitatea de a accesa noi \u00eemprumuturi pe viitor<\/p>\n<\/li><\/ul><\/div><\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Tipuri_de_mprumuturi_disponibile\">Tipuri de \u00eemprumuturi disponibile<\/h2>\n\n\n\n<p>Cu ajutorul celor de la Viva Credit vei putea accesa un <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/credit-pana-la-salariu\/\">credit p\u00e2n\u0103 la salariu<\/a> pe 30 zile \u0219i o linie de credit pe 12 luni.<\/p>\n\n\n\n<p>Sumele ce pot fi accesate sunt cuprinse \u00eentre 100 \u0219i 20.000 lei.<\/p>\n\n\n\n<p>Dob\u00e2nzile \u00eemprumuturilor <strong>pornesc de la 0 % pentru clien\u021bii noi<\/strong> \u0219i pot ajunge p\u00e2n\u0103 la 1.2 % pe zi, \u00een func\u021bie de \u00eemprumutul ales. <\/p>\n\n\n\n<p>Creditorul vine cu dou\u0103 tipuri de produse ce vor fi prezentate mai detaliat \u00een r\u00e2ndurile ce urmeaz\u0103:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Viva_Credit_online_rapid\">Viva Credit online rapid<\/h3>\n\n\n\n<p><em>Vine cu urm\u0103toarele caracteristici:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Pot fi accesate sume cuprinse <strong>\u00eentre 100 \u0219i 5.000 lei<\/strong><\/p>\n<\/li><li><p>Perioad\u0103 de <strong>rambursare de 30 zile<\/strong><\/p>\n<\/li><li><p>Dob\u00e2nzi de <strong>0 % pentru clien\u021bii noi \u0219i 1.2 % pentru clien\u021bii existen\u021bi<\/strong><\/p>\n<\/li><li><p>Aprobare rapid\u0103, <strong>\u00een maxim dou\u0103 ore te po\u021bi a\u0219tepta s\u0103 ai banii \u00een cont<\/strong> dac\u0103 totul este \u00een regul\u0103<\/p>\n<\/li><\/ul><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\" class=\"button  is-rounded is-primary is-large is-fullwidth\" target=\"_blank\"  rel=\"sponsored nofollow\">Aplic\u0103 pentru un credit f\u0103r\u0103 dob\u00e2nd\u0103 acum<\/a><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Viva_Credit_mprumut_pe_termen_lung\">Viva Credit \u00eemprumut pe termen lung<\/h3>\n\n\n\n<p><em>Vine cu urm\u0103toarele caracterisitici:<\/em><\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Linie de credit cu <strong>valori cuprinse \u00eentre 5.000 \u0219i 20.000 lei<\/strong><\/p>\n<\/li><li><p>Perioad\u0103 de <strong>rambursare de 12 luni<\/strong><\/p>\n<\/li><li><p>Dob\u00e2nd\u0103 de<strong> 0.4 % pe zi<\/strong><\/p>\n<\/li><\/ul><\/div>\n\n\n<p>\u021ain\u00e2nd cont c\u0103 acest produs este pu\u021bin mai diferit, ne-am g\u00e2ndit s\u0103 \u00eei facem o descriere mai am\u0103nun\u021bint\u0103.<\/p>\n\n\n\n<p>\u00cen momentul aplic\u0103rii, un angajat Vivacredit \u00ee\u021bi va analiza dosarul \u0219i, \u00een func\u021bie de istoricul de creditare \u0219i de valoarea venitului, va determina c\u00e2t de mare poate fi linia de credit atribuit\u0103 contului t\u0103u (<strong>minim 5.000 lei, maxim 20.000 lei<\/strong>).<\/p>\n\n\n\n<p>Dup\u0103 ce \u00ee\u021bi este aprobat\u0103 respectiva sum\u0103, tu te vei putea folosi de banii respectivi, o parte sau to\u021bi, atunci c\u00e2nd situa\u021bia o cere, timp de maxim 12 luni.<\/p>\n\n\n\n<p><strong>Sumele utilizate acumuleaz\u0103 dob\u00e2nd\u0103 de 0.4 % pe zi<\/strong> \u0219i pot fi achitate integral oric\u00e2nd dore\u0219ti, la scaden\u021b\u0103 sau e\u0219alonat, rezult\u00e2nd urm\u0103toarele costuri:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>La scaden\u021b\u0103, pentru plata integral\u0103 vei avea de <strong>achitat \u00een totalitate suma de bani \u00eemprumutat\u0103 plus dob\u00e2nda<\/strong> aferent\u0103 zilelor \u00een care creditul a fost activ<\/p>\n<\/li><li><p>Pentru plata e\u0219alonat\u0103, \u021bi se va solicita un <strong>minim de 10 % din suma \u00eemprumutat\u0103 plus dob\u00e2nda<\/strong> aferent\u0103 zilelor \u00een care creditul a fost activ<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Pentru a \u00een\u021belege mai bine cum func\u021bioneaz\u0103 produsul, ne-am g\u00e2ndit s\u0103 venim cu un exemplu de calcul care credem c\u0103 este destul de simplu de \u00een\u021beles.<\/p>\n\n\n\n<p>S\u0103 presupunem c\u0103 <strong>te folose\u0219ti de 5.000 lei din linia de credit la data de 20 a lunii, iar scaden\u021ba este pe 30<\/strong> \u0219i nu \u00eenapoiezi banii p\u00e2n\u0103 atunci. Vei avea dou\u0103 posibilit\u0103\u021bi:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ol class=\"check\"><li><p>Pe 30, achi\u021bi tot \u0219i lichidezi \u00eemprumutul, adic\u0103 cei <strong>5.000 lei + dob\u00e2nda de 200 lei<\/strong> (0.4 % din 5000 \u00eenseamn\u0103 20 lei * 10 zile, c\u00e2t timp a fost creditul activ)<\/p>\n<\/li><li><p>Dac\u0103 dore\u0219ti plata e\u0219alonat\u0103, vei putea achita doar 10 % din banii utiliza\u021bi + dob\u00e2nda, deci <strong>500 lei + 200 lei<\/strong><\/p>\n<\/li><\/ol><\/div>\n\n<div class=\"fn_block block_fn_msg_box warning\"><div class=\"fn_block__icon\"><\/div><h3 id=\"exemplu-calcul\">Mare aten\u021bie dac\u0103 folose\u0219ti plata e\u0219alonat\u0103<\/h3><p>Dac\u0103 alegi plata e\u0219alonat\u0103, <strong>dob\u00e2nda va continua s\u0103 \u021bi se acumuleze p\u00e2n\u0103 la urm\u0103toarea scaden\u021b\u0103<\/strong>.<\/p>\n<p>Adic\u0103 luna urm\u0103toare vei avea de pl\u0103tit dob\u00e2nda de 20 lei * 30 zile (sau 31, depinde c\u00e2te zile are luna) + 10 % din suma \u00eemprumutat\u0103.\u00a0<\/p>\n<p><strong>Rezult\u0103 o rat\u0103 de 1100 lei.<\/strong><\/p><\/div>\n\n\n<p>Utilizat\u0103 corect \u0219i achitat\u0103 \u00een timp util, linia de credit se poate dovedi a fi un instrument extrem de util, \u00een special \u00een situa\u021biile \u00een care avem nevoie urgent\u0103 de bani. <\/p>\n\n\n\n<p>Dac\u0103 vrei \u0219i tu acces la un astfel de produs, tot ce ai de f\u0103cut este s\u0103 dai click pe butonul de mai jos \u0219i apoi s\u0103 completezi cererea de creditare pe pagina celor de la Viva Credit.<\/p>\n\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\" class=\"button  is-rounded is-primary is-large is-fullwidth\" target=\"_blank\"  rel=\"sponsored nofollow\">Deschide o linie de credit aici<\/a><\/div>\n\n\n\t\t<div id=\"genericloan_1_form\" class=\"fs-slider fs-slider--tooltip search-hero--bg2\"><h3>Compar\u0103 credite oferite de 16 companii<\/h3><p>G\u0103se\u0219te cel mai ieftin credit cu un singur click<\/p><div class=\"step amount\">    <div class=\"slider_cont step__value\">\n        <span class=\"fl_l_m_15 amount_display\"><\/span>\n    <\/div>\n    <div class=\"step__slider\">\n        <input type=\"range\" data-default-value=\"3000\" data-name=\"param_amount\" \/>\n    <\/div>\n<\/div><div class=\"step stepSubmit\"><a id=\"submitSliders\" href=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30&\" data-slider-url=\"https:\/\/financer.ro\/results?query=1&non_affiliate=true&param_amount=3000&param_period=30&\" data-required=\"results?query=1non_affiliate=true&param_amount=3000&param_period=30&\" class=\"get_results compare button is-primary is-medium is-rounded\">Compar\u0103 ofertele<\/a><\/div>\t\t<\/div><h2 class=\"wp-block-heading\" id=\"Cui_i_sunt_adresate_serviciile_celor_de_la_Viva_Credit\">Cui \u00eei sunt adresate serviciile celor de la Viva Credit<\/h2>\n\n\n\n<p>Dac\u0103 ne-ai \u00eentreba pe noi, \u021bi-am spune c\u0103 Viva Credit este un IFN care se adreseaz\u0103 \u00een special persoanelor ce doresc s\u0103 acceseze un \u00eemprumut rapid f\u0103r\u0103 dob\u00e2nd\u0103 de p\u00e2n\u0103 la 5.000 lei.<\/p>\n\n\n\n<p>Sigur, \u0219i cel\u0103lalt produs al lor, linia de credit p\u00e2n\u0103 la 20.000 lei cu dob\u00e2nd\u0103 de 0.4 % pe zi este unul bun, dar, \u00een calitate de client nou, acel credit f\u0103r\u0103 costuri este unul foarte avantajos.<\/p>\n\n\n\n<p>Unde mai pui \u0219i c\u0103 la aprobarea cererii de creditare nu se va \u021bine at\u00e2t de mult cont de istoricul din Biroul de Credit, astfel c\u0103 p\u00e2n\u0103 \u0219i persoane care sunt catalogate drept r\u0103u-platnice vor putea aplica pentru un credit Viva. <\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Ce_i_trebuie_pentru_a_putea_accesa_un_credit_pn_la_salariu_Viva\">Ce \u00ee\u021bi trebuie pentru a putea accesa un credit p\u00e2n\u0103 la salariu Viva<\/h2>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>S\u0103 fi \u00eemplinit v\u00e2rsta de 20 ani<\/p>\n<\/li><li><p>S\u0103 fii cet\u0103\u021bean rom\u00e2n \u0219i s\u0103 furnizezi o fotografie a c\u0103r\u021bii de identitate personal\u0103 valabil\u0103<\/p>\n<\/li><li><p>S\u0103 faci dovada unui venit lunar stabil de minim 700 lei.<\/p>\n<p>Aceast\u0103 dovad\u0103 poate fi un simplu extras de cont care s\u0103 dovedeasc\u0103 sume provenite din dividende, din chirii, drepturi de autor sau flutura\u0219 de salariu ori de pensie, contract de munc\u0103 etc.<\/p>\n<p>Contul furnizat va fi utilizat \u0219i pentru virarea banilor, odat\u0103 ce creditul este aprobat.<\/p>\n<\/li><li><p>S\u0103 ai un num\u0103r de telefon mobil \u0219i o adres\u0103 de e-mail pe care s\u0103 po\u021bi fi contactat<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Tot aici credem c\u0103 este bine s\u0103 amintim c\u0103 nu va fi nevoie s\u0103 aduci nicio garan\u021bie pentru banii \u00eemprumuta\u021bi sau s\u0103 furnizezi un girant<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Cum_aplici_pentru_un_mprumut_VivaCredit\">Cum aplici pentru un \u00eemprumut VivaCredit<\/h2>\n\n\n\n<p>Iat\u0103 pa\u0219ii pe care \u00eei vei avea de parcurs pentru a putea accesa un \u00eemprumut Viva Credit:<\/p>\n\n\n<h4>Pa\u0219i<\/h4><div class=\"single-article__steps-toc_step\"><a href=\"#step_1\">1. Acceseaz\u0103 site-ul Viva Credit<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_2\">2. Alege suma de care ai nevoie<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_3\">3. Introdu-\u021bi datele personale<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_4\">4. \u00cencarc\u0103 documentele necesare<\/a><\/div><div class=\"single-article__steps-toc_step\"><a href=\"#step_5\">5. A\u0219teapt\u0103 confirmarea cererii \u0219i primirea banilor<\/a><\/div><div class=\"single-article__steps\">        <style>\n            .single-article__steps-items .single-article__steps-content {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n                width: calc(100% - 5px);\n            }\n            .single-article__steps-items .single-article__steps-counter {\n                padding: 5px 20px;\n                border-radius: 3px;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n\/*            .single-article__steps-items::before {\n                content: \"\";\n                position: absolute;\n                top: 20px;\n                left: 0;\n                height: calc(100% + 40px);\n                border-left: 2px dashed #e0e0e1;\n            }*\/\n            .single-article__conclusion-tag {\n                padding: 5px 20px;\n                border-radius: 3px;\n                color: #000000;\n                background-color: #F5E7D8;\n                display: inline-block;\n                top: 15px;\n                left: -30px;\n                position: relative;\n                font-size: 16px;\n                font-weight: 600;\n            }\n            .single-article__conclusion-item {\n                background: #FFFFFF;\n                padding: 30px;\n                margin: 0 0 30px 0;\n                border-radius: 10px;\n                box-shadow: 0 0 10px 0 rgba(0, 0, 0, 0.14);\n            }\n        <\/style>\n        <div class=\"single-article__steps-items\"><div class=\"single-article__steps-counter\" id=\"step_1\">Pasul 1<\/div><div class=\"single-article__steps-content\"><h3 id=\"Acceseaza-site-ul-Viva-Credit\">Acceseaz\u0103 site-ul Viva Credit<\/h3><p>Apas\u0103 pe <a href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">acest link<\/a> care te va trimite pe site-ul oficial Viva Credit.<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_2\">Pasul 2<\/div><div class=\"single-article__steps-content\"><h3 id=\"Alege-suma-de-care-ai-nevoie\">Alege suma de care ai nevoie<\/h3><p>Din calculatorul de credit, selecteaz\u0103 suma de bani pe care vrei s\u0103 o \u00eemprumu\u021bi. Tot aici po\u021bi vedea \u0219i o mic\u0103 simulare a costurilor pe care un viitor \u00eemprumut le va genera.<\/p>\n<p>Dup\u0103 ce ai ales, apas\u0103 butonul \u201eAplic\u0103 acum\u201d.<\/p>\n<p><img decoding=\"async\" class=\"size-medium wp-image-43827 aligncenter\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2018\/09\/viva-credit-300x285.png\" alt=\"viva credit\" width=\"300\" height=\"285\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/viva-credit-300x285.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/viva-credit.png 569w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_3\">Pasul 3<\/div><div class=\"single-article__steps-content\"><h3 id=\"Introdu-ti-datele-personale\">Introdu-\u021bi datele personale<\/h3><p>\u00cen urm\u0103toarea pagin\u0103 vei avea de completat datele tale personale, s\u0103 cite\u0219ti termenii \u0219i condi\u021biile \u0219i s\u0103 bifezi c\u0103 tu e\u0219ti beneficiarul real al \u00eemprumutului.<\/p>\n<p><img decoding=\"async\" class=\"alignnone size-medium wp-image-43828\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2018\/09\/viva-credit-online-300x252.png\" alt=\"viva credit online\" width=\"300\" height=\"252\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/viva-credit-online-300x252.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/viva-credit-online.png 705w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>* Dac\u0103 e\u0219ti client existent, atunci deja ai completat aceste date \u0219i tot ce ai de f\u0103cut pentru a accesa un nou \u00eemprumut Viva Credit este s\u0103 te loghezi \u00een contul de client deja creat.\u00a0<\/p><\/div><div class=\"single-article__steps-counter\" id=\"step_4\">Pasul 4<\/div><div class=\"single-article__steps-content\"><h3 id=\"Incarca-documentele-necesare\">\u00cencarc\u0103 documentele necesare<\/h3><p>\u021ai se va solicita foto dup\u0103 cartea de identitate fa\u021b\u0103 \u0219i verso, plus un video selfie pentru confirmarea identit\u0103\u021bii.<\/p>\n<p><img decoding=\"async\" class=\"size-medium wp-image-43829 aligncenter\" src=\"https:\/\/financer.com\/app\/uploads\/sites\/14\/2018\/09\/viva-credit-pareri-300x249.png\" alt=\"viva credit pareri\" width=\"300\" height=\"249\" srcset=\"https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/viva-credit-pareri-300x249.png 300w, https:\/\/financer.global\/app\/uploads\/sites\/14\/2018\/09\/viva-credit-pareri.png 701w\" sizes=\"(max-width: 300px) 100vw, 300px\" \/><\/p>\n<p>Dup\u0103 confirmarea identit\u0103\u021bii, va fi necesar\u0103 \u00eenc\u0103rcarea unui extras de cont \u00een care s\u0103 se vad\u0103 c\u0103 ai venituri lunare de minim 700 lei.\u00a0<\/p>\n<p>Tot \u00een acest cont vor fi vira\u021bi banii dup\u0103 aprobarea cererii de creditare.<\/p><\/div><\/div>            <div class=\"single-article__conclusion\">\n                <div class=\"single-article__conclusion-tag\" id=\"step_5\">\u00cen dou\u0103 ore ai banii \u00een cont<\/div>\n                <div class=\"single-article__conclusion-item\">\n                    <div class=\"single-article__conclusion-content\">\n                                                <p>Odat\u0103 trimise toate documentele, un operator Viva Credit va verifica solicitarea ta &#8211; timpul estimat este de 15 &#8211; 20 minute.<\/p>\n<p>Dac\u0103 totul este \u00een regul\u0103, banii \u00ee\u021bi vor fi vira\u021bi \u00een contul bancar \u0219i, \u00een maxim dou\u0103 ore te vei putea folosi de ei.<\/p>                    <\/div>\n                <\/div>\n            <\/div>\n            <\/div>\n\n\n                <div class=\"fn_block block_fn_msg_box cost search-hero--bg2\">\n\t\t\t\t<h3>Cum s\u0103 economise\u0219ti <span class=\"compare-amount\">2.039,00 Lei <\/span> cu un credit<\/h3>\n\t\t\t\t<p>Diferen\u021ba de pre\u021b pentru un credit de 3.000,00 Lei pe 90 zile este de 2.039,00 Lei.<\/p>\n\t\t\t\t<p class=\"has-text-left\"><a href=\"https:\/\/financer.ro\/results\/?query=1&filter_non_affiliate=1&param_amount=3000&param_period=90\" class=\"button is-normal is-primary is-rounded\">Afl\u0103 cum<\/a><\/p>\n                <\/div><h2 class=\"wp-block-heading\" id=\"Viva_credit_dobnd\">Viva credit dob\u00e2nd\u0103<\/h2>\n\n\n\n<p>A\u0219a cum aminteam \u0219i mai sus, dob\u00e2nda unui credit Viva difer\u0103 \u00een func\u021bie de tipul de \u00eemprumut pentru care optezi, astfel:<\/p>\n\n\n\n<ul>\n<li>Pentru credite rapide de p\u00e2n\u0103 \u00een 5.000 lei, dob\u00e2nda este 0 % pentru cei care apeleaz\u0103 pentru prima dat\u0103 la serviciile Viva Credit \u0219i de 1.2 % pentru clien\u021bii existen\u021bi<\/li>\n\n\n\n<li>Pentru linia de credit pe 12 luni cu sume cuprinse \u00eentre 5.000 \u0219i 20.000 lei, dob\u00e2nda zilnic\u0103 este de 0.4 % at\u00e2t pentru clien\u021bii noi, c\u00e2t \u0219i pentru cei existen\u021bi<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Neplat_Viva_Credit___dobnzi_penalizatoare\">Neplat\u0103 Viva Credit &#8211; dob\u00e2nzi penalizatoare<\/h3>\n\n\n\n<p>\u00cen cazul celor care \u00eenregistreaz\u0103 \u00eent\u00e2rzieri \u00een plata unui credit Viva, compania va aplica o dob\u00e2nd\u0103 penalizatoare de 1.2 % pe zi, care se adaug\u0103 la dob\u00e2nda aferent\u0103 creditului \u00een curs.<\/p>\n\n\n\n<p>Mai jos vom prezenta un exerci\u021biu de calcul pentru a vedea exact ce efect nefast are aceast\u0103 dob\u00e2nd\u0103 penalizatoare asupra soldului final al unui \u00eemprumut \u0219i c\u00e2t de mult poate ajunge s\u0103 coste un produs financiar negestionat corect.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\">Exerci\u021biu de calcul pentru simularea dob\u00e2nzii unui \u00eemprumut Viva Credit<\/h4>\n\n\n\n<p>S\u0103 zicem c\u0103 e\u0219ti un client nou \u0219i accesezi un \u00eemprumut de 3.000 lei. Ca atare, vei avea 30 zile la dispozi\u021bie s\u0103 rambursezi \u00eentreaga sum\u0103 datorat\u0103, pentru care nu vei avea de pl\u0103tit nimic \u00een plus.<\/p>\n\n\n\n<p>\u00cen cazul \u00een care nu reu\u0219e\u0219ti s\u0103 faci acest lucru, \u00eencep\u00e2nd cu ziua 31, suma \u00eemprumutat\u0103 se transform\u0103 \u00een linie de credit standard, ceea ce \u00eenseamn\u0103 c\u0103 va \u00eencepe s\u0103 se aplice o dob\u00e2nd\u0103 de 1.2 % pe zi.<\/p>\n\n\n\n<p>Dac\u0103 nici \u00een urm\u0103toarele 30 zile nu po\u021bi pl\u0103ti datoria sau m\u0103car dob\u00e2nda + 10 % din suma utilizat\u0103, va \u00eencepe aplicarea acestei dob\u00e2nzi penalizatoare Viva Credit de 1.2 % pe zi \u00eencep\u00e2nd cu ziua 31.<\/p>\n\n\n\n<p>Iat\u0103, \u00een tabelul de mai jos, c\u00e2t vei avea de pl\u0103tit dup\u0103 fiecare interval \u0219i vei vedea cum un credit care vine practic f\u0103r\u0103 costuri dar nepl\u0103tit la timp, te for\u021beaz\u0103 \u00een doar trei luni s\u0103 rambursezi dublu fa\u021b\u0103 de suma \u00eemprumutat\u0103:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Sum\u0103 datorat\u0103 la \u00eenceputul perioadei<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>Sum\u0103 datorat\u0103 dup\u0103 30 zile<\/strong><\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Credit ini\u021bial<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3.000 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">3.000 lei<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>\u00cencep\u00e2nd cu ziua 31 de la accesarea creditului<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3.036 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">4.080 lei<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>\u00cencep\u00e2nd cu ziua 62 de la accesarea creditului<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">4.152 lei<\/td><td class=\"has-text-align-center\" data-align=\"center\">6.312 lei<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Dac\u0103 nici dup\u0103 o lun\u0103 de dob\u00e2nzi penalizatoare nu faci demersuri spre achitarea datoriei, IFN-ul va anun\u021ba Biroul de Credit \u0219i vei fi catalogat drept r\u0103u-platnic.<\/p>\n\n\n<div class=\"fn_block block_fn_msg_box boxed\"><div class=\"fn_block__icon\"><\/div><p>Credem c\u0103 este bine s\u0103 men\u021bion\u0103m un lucru aici &#8211; tu e\u0219ti cel care \u00ee\u0219i \u0219tie cel mai bine finan\u021bele \u0219i, astfel, tu e\u0219ti cel care \u00ee\u0219i va putea da seama din timp dac\u0103 vei avea cum s\u0103 \u00ee\u021bi pl\u0103te\u0219ti datoriile la data scadent\u0103 sau nu.<\/p>\n<p>Dac\u0103 cumva pe parcursul unui \u00eemprumut activ \u00ee\u021bi dai seama c\u0103 nu ai cum s\u0103 \u00ee\u021bi pl\u0103te\u0219ti la timp datoriile, cea mai bun\u0103 solu\u021bie este s\u0103 intri \u00een leg\u0103tur\u0103 cu institu\u021bia financiar\u0103 \u0219i s\u0103 le raportezi acest lucru.<\/p>\n<p>Operatorii vor \u00eencerca s\u0103 g\u0103seasc\u0103 solu\u021bii benefice at\u00e2t pentru tine c\u00e2t \u0219i pentru ei, astfel \u00eenc\u00e2t tu s\u0103 po\u021bi achita datoria \u0219i ei s\u0103 nu fie nevoi\u021bi s\u0103 te denun\u021be la Biroul de Credit sau s\u0103 aplice dob\u00e2nzi penalizatoare.<\/p><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Rambursarea_creditului\">Rambursarea creditului<\/h2>\n\n\n\n<p>Un credit p\u00e2n\u0103 la salariu Viva Credit este foarte u\u0219or de rambursat. Astfel, vei avea la dispozi\u021bie nu mai pu\u021bin de 5 modalit\u0103\u021bi prin care vei putea pl\u0103ti banii \u00eemprumuta\u021bi:<\/p>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Direct debit, dac\u0103 ai bani \u00een contul \u00een care a fost livrat creditul, la data scadent\u0103, IFN-ul va trage automat din cont suma cu care te-a \u00eemprumutat, plus dob\u00e2nzile aferente<\/p>\n<\/li><li><p>Cu ajutorul unui card bancar, pl\u0103tind factura care se reg\u0103se\u0219te \u00een contul personal online<\/p>\n<\/li><li><p>Transfer bancar prin ordin de plat\u0103, de la oricare banc\u0103, \u00eentr-unul din cele 8 conturile VivaCredit (de exemplu, acesta: <strong>RO68 RNCB 0072 1195 1733 0001<\/strong>, deschis la BCR)<\/p>\n<\/li><li><p>Numerar la unul dintre punctele de lucru fizice sau la orice unitate BCR (cont <strong>RO41 RNCB 0072 1195 1733 0002<\/strong>), CEC (cont <strong>RO83 CECE B001 44RO N404 6729<\/strong>) sau UniCredit (cont <strong>RO13 BACX 0000 0005 2669 3011<\/strong>)<\/p>\n<\/li><li><p>La sta\u021biile de plat\u0103 SelfPay sau StartPay cele mai apropiate de tine prin introducerea codului de client<\/p>\n<\/li><\/ul><\/div>\n\n\n<p>Cum unele dintre variantele de rambursare, precum transferul bancar, pot dura \u0219i p\u00e2n\u0103 la 24 ore lucr\u0103toare s\u0103 se realizeze, ne vedem nevoi\u021bi s\u0103 \u00ee\u021bi amintim c\u0103 ar fi bine s\u0103 \u00ee\u021bi iei o marj\u0103 de eroare atunci c\u00e2nd pl\u0103te\u0219ti suma datorat\u0103.<\/p>\n\n\n\n<p>Ca sfat, \u00ee\u021bi suger\u0103m s\u0103 efectuezi plata cu c\u00e2teva zile \u00eenainte de termenul limit\u0103, ca m\u0103sur\u0103 de siguran\u021b\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"Viva_Credit_preri_Financer\">Viva Credit p\u0103reri Financer<\/h2>\n\n\n\n<p>Echipa Financer a petrecut mai bine de 10 ore analiz\u00e2nd atent produsele cu care compania vine, test\u00e2nd modul de accesare al \u00eemprumuturilor \u0219i compar\u00e2nd serviciile oferite cu cele ale altor institu\u021bii financiare.<\/p>\n\n\n\n<p>\u00cen final, iat\u0103 ce p\u0103rere avem noi despre Viva Credit \u0219i ce not\u0103 \u00eei oferim acestui creditor:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-fn-tables shortcode-no\"><table><thead><tr><th>Caracteristic\u0103<\/th><th>P\u0103rerea Financer<\/th><\/tr><\/thead><tbody><tr><td>Costuri<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>U\u0219urin\u021ba de aplicare pentru un \u00eemprumut<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>Rapiditatea aprob\u0103rii cererii de creditare<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>Sume maxime ce pot fi accesate<\/td><td>\u2b50\u2b50\u2b50<\/td><\/tr><tr><td>U\u0219urin\u021ba \u00een utilizare \u0219i \u00een rambursarea datoriei<\/td><td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr><tr><td><strong>Nota general\u0103<\/strong><\/td><td><strong>4.6\/5<\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Viva Credit recenzii oferite de echipa Financer<\/figcaption><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"Ce_ne_place\">Ce ne place<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Dob\u00e2nzile sunt unele mai mult dec\u00e2t acceptabile pentru cei ce nu au mai apelat la serviciile lor. <\/p>\n<p>Cu toate c\u0103 nu sunt singurul creditor din \u021bara noastr\u0103 care ofer\u0103 \u00eemprumuturi f\u0103r\u0103 dob\u00e2nd\u0103 pentru clien\u021bii noi, suma maxim\u0103 oferit\u0103 de VivaCredit, de 5.000 lei, este una mai mare dec\u00e2t media pie\u021bei pentru astfel de produse.<\/p>\n<\/li><li><p>\u00centreg procesul de la selectarea produsului, la aplicare \u0219i p\u00e2n\u0103 la depunerea documentelor este unul extrem de simplu, intuitiv \u0219i, nu \u00een ultimul r\u00e2nd, rapid.<\/p>\n<p>Nu \u00ee\u021bi va lua mai mult de 15-20 minute de c\u00e2nd ajungi pe pagina lor \u0219i p\u00e2n\u0103 termini cu depunerea cererii de creditare.<\/p>\n<\/li><li><p>Aprobarea creditului este rapid\u0103 \u0219i, mai mult dec\u00e2t at\u00e2t, ne place c\u0103 pe <a href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">site-ul oficial<\/a> po\u021bi vedea o estimare a orei la care vei avea banii \u00een cont dac\u0103 totul decurge bine.<\/p>\n<p>Din experien\u021ba noastr\u0103 \u00ee\u021bi putem spune c\u0103 timpul estimat de pe site-ul lor este chiar mai mare dec\u00e2t cel real \u0219i te po\u021bi a\u0219tepta ca suma solicitat\u0103 s\u0103 \u00ee\u021bi ajung\u0103 \u00een cont \u00een maxim dou\u0103 ore de la aplicare.<\/p>\n<\/li><li><p>Rambursarea creditului este \u0219i ea foarte rapid\u0103 &#8211; dac\u0103 ai bani \u00een contul \u00een care \u021bi-a fost virat \u00eemprumutul, ace\u0219tia pot fi tra\u0219i automat la scaden\u021b\u0103 de c\u0103tre IFN \u0219i, \u00een plus, ai \u0219i posibilitatea de a pl\u0103ti cash la sucursalele BCR, CEC \u0219i UniCredit.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"La_ce_se_mai_poate_lucra\">La ce se mai poate lucra<\/h3>\n\n\n<div class=\"fn_block block_fn_pros_cons\"><ul class=\"check\"><li><p>Suma maxim\u0103 ce poate fi accesat\u0103, chiar \u0219i printr-o linie de credit, este de 20.000 lei. Nu spunem c\u0103 este o sum\u0103 mic\u0103, dar exist\u0103 institu\u021bii care ofer\u0103 \u00eemprumuturi similare mai mari.<\/p>\n<\/li><li><p>Pentru persoanele care deja au apelat la serviciile lor, dob\u00e2nzile pentru creditele rapide sunt de 1.2 % pe zi, ceva mai mari dec\u00e2t media pentru astfel de produse, care se situeaz\u0103 \u00een jurul valorii de 1 %.<\/p>\n<\/li><\/ul><\/div>\n\n\n<h3 class=\"wp-block-heading\" id=\"Viva_credit_recenzii_TrustPilot\">Viva credit recenzii TrustPilot<\/h3>\n\n\n\n<p>Viva Credit este unul dintre pu\u021binele IFN-uri de la noi care s\u0103 vin\u0103 cu un num\u0103r decent de voturi pe cel mai renumit site de recenzii din lume, Trustpilot.<\/p>\n\n\n\n<p>Astfel, dintr-un total de peste 1200 voturi la data actualiz\u0103rii articolului, compania \u00eenregistra <a href=\"https:\/\/uk.trustpilot.com\/review\/vivacredit.ro\">un scor de 4.7 dintr-un total maxim de 5<\/a>, <strong>unul excelent, putem ad\u0103uga<\/strong>.<\/p>\n\n\n\n<p>Dintre cei care \u0219i-au exprimat p\u0103rerea, punctele forte ar fi aplica\u021bia rapid\u0103 \u0219i intuitiv\u0103 prin care \u00ee\u021bi po\u021bi gestiona creditul, timpul scurt de aprobare \u0219i acel credit f\u0103r\u0103 dob\u00e2nd\u0103 foarte util.<\/p>\n\n\n\n<p>Printre recenziile negative, putem aminti site-ul care din c\u00e2nd \u00een c\u00e2nd nu func\u021bioneaz\u0103 cum trebuie, dob\u00e2nda mare pentru clien\u021bii deja existen\u021bi \u0219i sumele relativ mici pe care le po\u021bi accesa de la acest creditor.<\/p>\n\n\n<div class=\"fn_block block_fn_faq_list\"><h3 id=\"ntrebri_despre_Viva_Credit\">\u00centreb\u0103ri despre Viva Credit<\/h3><h4>Cum se face Viva credit?<\/h4><div class=\"faq_inner\"><p>Pentru a putea accesa un \u00eemprumut Viva Credit, tot ce ai de f\u0103cut este s\u0103 dai click pe <a href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\/\" rel=\"sponsored noopener nofollow\" target=\"_blank\">acest link<\/a>, iar apoi vei fi redirec\u021bionat c\u0103tre pagina oficial\u0103 a institu\u021biei financiare.<\/p>\n<p>De acolo, selectezi produsul pe care \u00eel preferi (credit rapid sau linie de credit) \u0219i suma de bani necesar\u0103, \u00ee\u021bi completezi datele personale \u0219i, \u00een doar dou\u0103 ore po\u021bi avea banii \u00een cont.<\/p><\/div><h4>Este adev\u0103rat c\u0103 po\u021bi accesa un credit cu dob\u00e2nd\u0103 0 Viva Credit?<\/h4><div class=\"faq_inner\"><p>Ei bine, da, este c\u00e2t se poate de adev\u0103rat c\u0103 prin intermediul acestui creditor vei putea beneficia de un prim <a href=\"https:\/\/financer.ro\/credit\/credit-rapid\/credit-fara-dobanda\/\">\u00eemprumut f\u0103r\u0103 costuri<\/a>.<\/p>\n<p>Nu este niciun fel de \u021beap\u0103 sau scam. Oferta este c\u00e2t se poate de real\u0103 \u0219i face parte din strategia de marketing a mai multor institu\u021bii financiare:<\/p>\n<ul>\n<li>\u00ce\u021bi ofer\u0103 un prim credit f\u0103r\u0103 dob\u00e2nd\u0103, atunci c\u00e2nd apelezi pentru \u00eent\u00e2ia oar\u0103 la serviciile lor<\/li>\n<li>Automat, nu ai cum s\u0103 nu fi mul\u021bumit, ceea ce \u00eenseamn\u0103 c\u0103 dac\u0103 vei mai avea vreodat\u0103 nevoie de bani, vei apela tot la ei<\/li>\n<li>\u00cencep\u00e2nd cu al doilea produs financiar accesat prin ei, acesta va veni cu dob\u00e2nd\u0103<\/li>\n<\/ul><\/div><h4>Po\u021bi ob\u021bine un \u00eemprumut de refinan\u021bare Viva Credit?<\/h4><div class=\"faq_inner\"><p>\u00centruc\u00e2t produsele oferite de Viva Credit sunt unele destul de scumpe, nu recomand\u0103m utilizarea lor pentru refinan\u021barea altor \u00eemprumuturi.<\/p><\/div><h4>Po\u021bi lua un \u00eemprumut Viva Credit pe 3 luni? <\/h4><div class=\"faq_inner\"><p>Da, se poate deschide o linie de credit care s\u0103 fie valabil\u0103 12 luni, dar tu s\u0103 \u00ee\u021bi achi\u021bi datoria \u00een doar trei, dac\u0103 vrei.<\/p><\/div><h4>Cum se efectueaz\u0103 o \u00eenchidere cont Viva Credit?<\/h4><div class=\"faq_inner\"><p>Pentru a putea \u00eenchide cont Viva Credit, va trebui ca mai \u00eent\u00e2i de toate s\u0103 \u00ee\u021bi achi\u021bi toate datoriile. Ulterior, apelezi serviciul de Rela\u021bii Clien\u021bi \u0219i solici\u021bi oprirea acestuia.<\/p><\/div><\/div>\n\n\n<h2 class=\"wp-block-heading\" id=\"Viva_Credit_alternative\">Viva Credit alternative<\/h2>\n\n\n\n<p>Dup\u0103 cum am prezentat, Viva Credit este o companie de credit foarte important\u0103 pe pia\u021ba noastr\u0103.<\/p>\n\n\n\n<p>Acestea fiind zise, haide s\u0103 vedem cum se compar\u0103 cu al\u021bi creditori ce ofer\u0103 produse similare:<\/p>\n\n\n\n<figure class=\"wp-block-table shortcode-no\"><table><thead><tr><th class=\"has-text-align-left\" data-align=\"left\">Companie<\/th><th class=\"has-text-align-center\" data-align=\"center\">Sum\u0103 maxim\u0103 creditat\u0103 (lei)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Credit cu dob\u00e2nd\u0103 0 clien\u021bi noi (sum\u0103 lei)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Dob\u00e2nd\u0103 zilnic\u0103 (%)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Perioad\u0103 rambursare maxim\u0103 (zile)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Acceptare clien\u021bi r\u0103u-platnici<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong>Viva Credit<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">20.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">5.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.2\/ 0.4<\/td><td class=\"has-text-align-center\" data-align=\"center\">30\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/ferratum-money\/\">Ferratum<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">19.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.4022<\/td><td class=\"has-text-align-center\" data-align=\"center\">30\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/creditprime\/\">CreditPrime<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">15.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">15.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.99\/ 0.5<\/td><td class=\"has-text-align-center\" data-align=\"center\">30\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/via-conto\/\">ViaConto<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">4.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c<\/td><td class=\"has-text-align-center\" data-align=\"center\">1.18<\/td><td class=\"has-text-align-center\" data-align=\"center\">30<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/ocean-credit\/\">Ocean Credit<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">9.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.10<\/td><td class=\"has-text-align-center\" data-align=\"center\">30\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/axi-card\/\">AXI Card<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">4.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u274c<\/td><td class=\"has-text-align-center\" data-align=\"center\">0.2<\/td><td class=\"has-text-align-center\" data-align=\"center\">365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><tr><td class=\"has-text-align-left\" data-align=\"left\"><strong><a href=\"https:\/\/financer.ro\/companie\/hora-credit\/\">Hora Credit<\/a><\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">10.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">10.000<\/td><td class=\"has-text-align-center\" data-align=\"center\">2<\/td><td class=\"has-text-align-center\" data-align=\"center\">70\/ 365<\/td><td class=\"has-text-align-center\" data-align=\"center\">\u2705<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n<div class=\"fn_block block_fn_msg_box key-takeaways\"><div class=\"fn_block__icon\"><\/div><p>Prin intermediul celor de la Viva Credit vei putea accesa dou\u0103 tipuri de produse financiare:<\/p>\n<ul>\n<li>O linie de \u00eemprumut de nevoi personale de p\u00e2n\u0103 la 20.000 lei, pe 12 luni, ce vine cu o dob\u00e2nd\u0103 de 0.4 % pe zi<\/li>\n<li>Un credit rapid de p\u00e2n\u0103 la 5.000 lei, cu dob\u00e2nzi ce pornesc de la 0 \u0219i care ajung la 1.2 % pe zi, cu aprobare \u00een 15 minute \u0219i livrarea banilor \u00een cont \u00een maxim dou\u0103 ore<\/li>\n<\/ul>\n<p>Ambele instrumente se pot dovedi a fi incredibil de utile atunci c\u00e2nd avem nevoie urgent\u0103 de bani, dar doar dac\u0103 le \u00een\u021belegem, le utiliz\u0103m corect \u0219i le achit\u0103m la timp.<\/p>\n<p>Dac\u0103 \u0219i tu vrei s\u0103 te bucuri de avantajele cu care vine un credit Viva, apas\u0103 butonul de mai jos \u0219i acceseaz\u0103 chiar azi un \u00eemprumut de la ei.<\/p><\/div>\n\n<div class=\"fn_block block_fn_button  buttons  is-flex is-flex-direction-column is-align-items-center\"><a href=\"https:\/\/financer.ro\/companie\/viva-credit\/redirect\" class=\"button  is-rounded is-primary is-large is-fullwidth\" target=\"_blank\"  rel=\"sponsored nofollow\">Aplic\u0103 pentru un credit Viva Credit aici!<\/a><\/div>","protected":false},"author":77,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"closed","template":"","categories":[1119],"company_type":[11],"overall_rating":"4.23214286","_links":{"self":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single\/1974"}],"collection":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single"}],"about":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/types\/company_single"}],"author":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/users\/77"}],"replies":[{"embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/comments?post=1974"}],"version-history":[{"count":50,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single\/1974\/revisions"}],"predecessor-version":[{"id":44386,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_single\/1974\/revisions\/44386"}],"wp:attachment":[{"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/media?parent=1974"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/categories?post=1974"},{"taxonomy":"company_type","embeddable":true,"href":"https:\/\/financer.ro\/wp-json\/wp\/v2\/company_type?post=1974"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}