Our Products
Easy 1-2-3 step application
Tell us how much money you'd like to borrow and some basic information about yourself.
2
Connect your primary bank account, which is where your funds will get sent if approved.
3
Connect your payroll to easily verify your information and set up loan repayment.
Cash to your bank account the same day.*
Build credit with Oliv Boost
*
‡
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
^
Save money and pay off your loan faster with payments from your payroll
Hear it from our customers
â—Š
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
+
* Funds will be sent the same day if you accept your loan by 2 pm ET (not including weekends or holidays).
† Annual Percentage Rates range from 0.00% - 35.95%. Origination fees are 0.00% or 9.99%. Loan terms are 4 or 36 months and loan amounts range from $400 - $10,000. If approved the actual loan amount, term, and APR may vary based on credit determination and repayment method. Any origination fee of 5% or less of the initial loan amount is considered fully vested upon disbursement of loan funds and therefore nonrefundable. Any amount of the origination fee in excess of 5% of the initial loan amount shall vest on a proportional basis over the life of the loan. In the event that you repay the balance on your loan early, we are required by law to refund any non-vested portion of the origination fee. A refund is required upon complete repayment of the outstanding loan and will not be triggered by a partial prepayment. The origination fee is included as part of the loan principal and subject to interest accrual.
A representative example of payment terms for a 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 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 origination fee and no prepayment penalty.
​​
+ 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.
​
‡ 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.
​
** 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.
​​​​​
Military Lending Act Disclosure: Due to rules and restrictions within the Military Lending Act, this program is not available to active duty service members, their spouses, or their dependents.