The benefits of this loan are that you don't need to have any credit or previous loans with them, it's fast approval process (less than two weeks) which is great for those who want their money quick! There aren’t many cons about using Vivafinancial but I would say one thing could be if they were more transparent when giving out information like interest rates etc., It was really easy getting approved as there weren"T too much questions asked regarding my income/employment situation so overall very simple & straightforward application form - just fill in some required info then wait 2 days max until your funds come into account :).