Four Reasons for the Season

We’re giving members four ways to enjoy the season.

Apply Online Now

Viriva has been supporting its members’ dreams and goals for over 80 years. Reach out to us about all of the different ways you can save this season.

  • Email Loans@Viriva.com
  • Call 888-7-Viriva
  • Complete the Request Form Below

Driving in Car With Dog - Auto Refinance

 Money Back For Your Auto Loan

Move your auto loan from another financial institution to Viriva, and choose how you want to save.

  • 2% rate discount off of your existing rate for a rate as low as 3.49% APR1,6
  • Or 2% cashback up to $2001,6

Refinancing your auto loan is easy and quick! If you think your credit may have improved, you didn’t shop around, or you need to change your monthly payment, refinance now.

Apply Now

Family Hugging - Affordable Holiday Spending

Affordable Holiday Spending

We got your life's financial needs covered. Celebrate the holidays with less financial stress with a Holiday Signature Loan. You could be paying as little as $91.59 per month2,6 for your holiday expenses.  

Apply Now

Football Stadium - Rewards Credit Card

Get Rewarded When You Shop

With our Rewards Credit Card, you can treat yourself to amazing rewards, including sporting event tickets, travel, cash back, gift cards, and more. Shop for the holidays using your card and watch your points add up fast.

  • Open a new card in October and receive 2,500 Bonus Points3,6
  • Earn Double Points on purchases made between 11/1/19 and 12/31/194

Apply Now

Friend Hugging - New Member Referral

Give the Gift of Membership

Introduce friends and family to Viriva, a financial partner that is about people helping people. When your referred person opens a Savings, Checking, Debit Card, and eStatement you can each receive $50.5,6 

Learn More Now




1. Auto Loan - Your APR may be higher than 3.49% and is based on your credit. No other discounts allowed. Only one offer allowed per loan. Existing Viriva loans ineligible. Minimum loan amount is $5,000. Maximum loan amount and term based on credit and collateral. Offer available for applications received from 10/1/19 -12/31/19 with disbursals by 1/31/20. Approvals based on credit and vehicle condition. Eligible model yrs 2010 or newer. Other vehicle and loan restrictions may apply. Rate Discount Option - 2% discounted from the current APR on your loan elsewhere. Minimum APR is 3.49%. Cash Back Option: 2% rebated on the disbursed loan amount, up to $200 maximum via a credit to your Viriva share deposit account within 30 days after 1st payment clears. All accounts of the obligor must be in good standing to receive rebate.
2. Signature Loan - $91.59 is the base monthly payment for a 24-month, $2,000 loan at 9.49% APR. This APR is for well-qualified borrowers and includes discounts for additional services. Your APR, payment, and term may differ based on credit, available discounts, and underwriting standards. Minimum loan amount $500. Viriva reserves the right to cross-collateralize loan amounts owed.
3. Rewards Credit Card: 2,500 bonus points awarded to new accounts opened between 10/1/19 -10/31/19 with an initial purchase made within 30 days of open. Points awarded by 1/31/20. Approvals and APR based upon your credit. APRs are Variable Rate and subject to change. APRs are between 11.15% - 18% and accurate as of 10/1/19.
4. Qualifying transactions must be purchase transactions and earn at least one point between 11/1/19 -12/31/19. Balance transfers, refunds/reversals, fees, cash advances and ATM transactions do not qualify. Account must be open and current through 2/29/20 to earn rewards. Bonus points will be awarded by 2/29/20.
5. Referrals: New Members must qualify for membership and a Savings with Checking Account and Debit Card, enroll in eStatements and make a minimum of 6 debit card purchases within 45 days of open. Funds deposited after requirements met. Both new and referring members must be in good standing to receive deposit. No retroactive referrals. Maximum referral incentive is $100 per quarter, per referring member. Incentives to New Members subject to tax reporting. Cannot be combined with any other offer.
6. All offers: Must qualify for membership to be eligible. All loans are subject to approval and not all applicants will be approved for these offers. Offer may change without notice. Other restrictions and exclusions may apply. Contact us at 215-333-1201 for complete details.