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VIVA Finance

Short-term personal loan options for temporary financial gaps

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Who This Is For;

  • Clients in a short-term financial bind

  • Situations where cash flow is the immediate issue, not credit building

  • Individuals who need flexibility, not long-term revolving debt

  • People who understand the cost of short-term financing

 

What to Know

  • Personal loan product, not a credit-building account

  • Terms and approval are determined by the lender

  • Best suited for short-term needs, not ongoing use

  • Responsible repayment is critical

  • We encourage clients to fully review loan terms and only proceed if the repayment structure makes sense for their situation.

Overview

There are times when the challenge isn’t credit structure or reporting, but temporary cash flow pressure. In those situations, a short-term personal loan may be considered as a bridge, not a solution.

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VIVA Finance offers personal loan options designed for individuals who may not qualify for traditional bank financing. These loans are intended to help cover short-term needs and should be evaluated carefully based on repayment ability and overall financial stability.

 

This option is not credit repair, and it does not improve credit on its own. It is strictly a financial tool that may help manage a temporary situation when used responsibly.

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Disclosure

Credit Fix JOE™ is not a lender. This link leads to an independent third-party provider. Loan approval, terms, fees, and outcomes are determined solely by the lender. Participation is optional, and results vary by individual financial situation.

CONNECT WITH US

Credit Fix JOE 

9329 E Montgomery Ave

Spokane Valley, WA 99206

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Emails: info@creditfixjoe.com (fastest response)

Phone Calls: 509-342-7775 (no texts)​

​Text Line: 509-342-5060 (brief please)

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Phone/Zoom Hours: Tuesday - Saturday: 11a - 5p PST​

In-Store Appointments: Wednesdays only 11a - 4:30p PST

​ Closed: Sunday & Mondays

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Booked Appointments Available VIA; 

  • Phone Call (If no answer, leave a voicemail!)

  • Zoom Video Call (Preferred)

  • In-Person (Wednesdays by appointment only at our office)​

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© 2024-2026 Credit Fix JOE All rights reserved.

All product(s), company names, and trademarks mentioned are the property of their respective owners.

Legal disclaimer: The information contained on this site and our guides are for educational and informational purposes only. It does not constitute legal advice, nor does it substitute for legal advice. Person(s) seeking legal advice should consult with legal counsel familiar with their particular situation as consumer credit laws vary by state.

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