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Wave goodbye to high-cost personal loans
 

Oliv saves you big money on your monthly loan payment when you pay from your paycheck. 

Applying will not affect your credit score*

APR
34.95%-35.95%
Loan Amounts
$1,000-$5,000
Term
36 months

More than a personal loan, a financial game-changer

Connect your payments from your payroll and save big

Simple Application Process

Instant decisions. Typically, there’s no need to upload documents.†

No fees or prepayment penalties

Simple, honest loans. No origination or late fees.

Next business day funding+

Cash to your bank account by the next business day when you sign your contract by 5 p.m. ET. 

Checking your rate will not affect your credit score*

* 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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+ Funds will be sent the next business day if you accept your loan by 5:00 pm ET (not including weekends or holidays).

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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.

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Loan availability and terms depend on your state of residence. Loan amounts generally range from $1,000 - $5,000. Available loan amounts differ in the following states: $3,001 - $5,000 in Georgia. Annual Percentage Rates range from 34.95-35.95% with a loan term of 36 months. If approved the actual loan amount, term, and APR may vary based on credit determination and repayment method. Minimum loan amounts vary by state.

 

A $2,500 loan repayable in 36 monthly installments would have an APR of 34.95% and monthly payments of $114.16.

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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:

  • Your payroll provider supports making direct loan payments and you elect to make your loan payments directly from your paycheck

  • You are a resident of the state of Georgia, Missouri, and Utah

  • You or your spouse are not active duty service members

  • You have been with your current employer for at least 6 months

  • You have a bank account that has been open at least 90 days

  • Your annual gross income is at least $18,000

  • You are at least 18 years old or the age of majority in your state of residence

  • You have no previous charged-off accounts with Oliv Financial

  • 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. 

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