The process
Five stages, and you always know which one you are on.
Each stage has a named owner and a written record. You can ask where your file is at any point and get a straight answer.
Enquire
Tell us the amount and how you are paid. No documents at this stage.
Submit documents
NRC, payslips or trading records. We tell you exactly what is missing, once.
Credit assessment
We check the instalment against the 40% net pay rule before anyone signs.
Approval & agreement
You receive the agreement and full repayment schedule together, to keep.
Disbursement
Your money is in your bank account or mobile money wallet within 48 hours of signing, with the payment reference sent to you.
Timing
What actually takes the time.
Almost all delay comes from missing documents, not from us.
| Stage | Who does it | Typical time |
|---|---|---|
| Enquiry acknowledged | Loan Officer | Within 2 hours |
| Document check | Loan Officer | Same day |
| Credit assessment & 40% rule | Credit team | Same day |
| Approval — up to K10,000 | Head of Operations | Same day |
| Approval — above K10,000 | Credit Committee | 1 extra working day |
| Agreement signed | You and Vivica | Same day |
| Disbursement | Finance Officer | Within 48 hours |
After disbursement
What happens once you have the money.
A reminder before each due date
An SMS five days ahead of every instalment, showing the amount and the date.
A statement on request
Ask on WhatsApp and we send your balance, what you have paid and what remains.
A settlement figure any time
Want to clear it early? We confirm the figure in writing before you pay anything.
Next step
Know the process? Start your application.
It takes about two minutes and you do not need your documents to hand yet.