Our Products
Easy 1-2-3 step application
Tell us how much money you'd like to borrow and some basic information about yourself.
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Connect your primary bank account, which is where your funds will get sent if approved.
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Connect your payroll to easily verify your information and set up loan repayment.
Cash to your bank account in 15 minutes or less.*
Get instant cash and build credit with Oliv Boost
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Apply today, and if approved, receive $400 at zero cost—no interest, no fees.
We call it Oliv Boost—because it’s more than just extra cash. It’s a chance to build your credit with on-time payments and strengthen your financial future, all while trying out an easier way to borrow.
Even better—we believe customers who make on-time payments should be rewarded with better rates and terms in the future.
Save money and pay off your loan faster with payments from your payroll
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Save money and pay off your loan faster with payments from your payroll
Hear it from our customers
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More than a personal loan, a financial game changer
Connect your payments from your payroll and save big
Checking your rate will not affect your credit score
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* If you opt into recurring ACH as your secondary payment method, and if your bank supports real-time payments, funds will be sent in 15 minutes or less.
† Loan availability and terms depend on your state of residence. Generally, Annual Percentage Rates range from 0.00% - 35.95%, loan terms are 4 or 36 months and loan amounts range from $400 - $10,000. Available loan terms differ in the following states: $3,001 - $10,000 in Georgia and $1,000 - $10,000 Missouri and South Carolina with a loan term of 36 months and Annual Percentage Rates from 19.95% - 35.95%. If approved the actual loan amount, term, and APR may vary based on credit determination and repayment method.
A representative example of payment terms for an Oliv Personal loan is as follows: a borrower receives a loan of $2,500 for a term of 36 months, with an interest rate of 26.92% and a 9.99% origination fee of $249, for an APR of 34.95%. In this example, the borrower will receive $2,251 and will make 36 monthly payments of $102.70. There is no downpayment and no prepayment penalty.
A representative example of payment terms for Oliv Boost is as follows: a borrower receives a loan of $400 for a term of 4 months, with an APR of 0%. In this example, the borrower will receive $400 and will make 4 monthly payments of $100.00. There is no downpayment and no prepayment penalty.
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+ When you check your rate, we check your credit report with traditional credit bureaus like TransUnion, Experian, or Equifax. This initial (soft) inquiry will not affect your credit score. If you accept your rate and proceed with your application, we do a separate (hard) credit with Clarity. This hard inquiry will not impact your credit score with the traditional credit bureaus but may impact your credit score with Clarity. If you take out a loan, repayment information will be reported to the credit bureaus.
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‡ Credit building expectation is based on results of similar products with other lenders. Oliv reports your credit history to the three major credit bureaus so it can help build your credit if that credit is used responsibly by making payments consistently on time. Late payments, delinquencies, defaults or other derogatory activity with your loans may negatively impact your ability to build credit. A credit score improvement is not guaranteed.
^ If you're paid weekly, biweekly, or semi-monthly, making more frequent loan payments can help you save on interest and pay off your loan faster compared with a traditional monthly plan. For example, a $3,500 loan at a 34.95% APR with consistent biweekly payments could save you about $307.42 in interest and be paid off 114 days sooner than with monthly payments.
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** The majority of customers on the Oliv Financial platform can complete the application process automatically without providing additional supporting documents. Loan processing may be subject to longer wait times if additional documentation is required for review.
◊ Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Oliv Financial.
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An invitation is not valid if you no longer meet the criteria used to select you for this offer or if, after we verify the information in your application, we determine that you do not meet the other specific criteria. Please see "Important Disclosures and Terms of This Offer" within your letter for more information.
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A pre-approved invitation is based on the following eligibility criteria:
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Your payroll provider supports making direct loan payments and you elect to make your loan payments directly from your paycheck
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You are a resident of the state of Arizona, Idaho, Illinois, North Dakota, Oregon, Tennessee, Utah, and Wisconsin
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You or your spouse are not active duty service members
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You have been with your current employer a minimum of 3 months
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You have a bank account that has been open at least 90 days
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Your annual gross income is at least $18,000
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You are at least 18 years old or the age of majority in your state of residence
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You have no previous charged-off accounts with Oliv Financial
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You have no declined application with Oliv Financial within the last 30 days
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Military Lending Act Disclosure: Due to rules and restrictions within the Military Lending Act, this program is not available to active duty service members or their spouses.