RefiJet vs VIVA Finance, Inc. (2026)
Written by Harvey Brooks | Reviewed by the CreditDoc Editorial Team
RefiJet
Google rating from 2,348 reviews
VIVA Finance, Inc.
Google rating from 3,657 reviews
Summary
RefiJet and VIVA Finance, Inc. both hold BBB A+ accreditation and serve different lending needs. RefiJet is a Scottsdale, AZ-based auto loan refinancing marketplace founded in 2016 that connects borrowers with multiple lender offers, while VIVA Finance is an Atlanta, GA-based personal installment loan provider founded in 2019 that focuses on employment-based approvals rather than credit score alone. VIVA Finance has a higher Google rating compared to RefiJet, though RefiJet earns a higher CreditDoc rating. Pricing for both requires contacting the lender directly. RefiJet offers the more bundled-feature context for borrowers seeking auto loan refinancing with higher loan limits and a more listed CreditDoc rating.
Side-by-Side Comparison
| Feature | ||
|---|---|---|
| Monthly Price | No monthly subscription listed | No monthly subscription listed |
| Setup Fee | No setup fee listed | No setup fee listed |
| BBB Rating | A+ | A+ |
| Refund Term Listed | No | No |
| Google Rating | | |
| Credit Monitoring | ||
| All 3 Bureaus | ||
| Goodwill Letters | ||
| Cease & Desist Letters | ||
| Debt Validation | ||
| Credit Education | ||
| ID Theft Protection | ||
| Score Tracking | ||
| Mobile App | ||
| Online Portal | ||
| Personal Advisor | ||
| AI-Powered |
How to Compare These Two
CreditDoc Profile Note
Research Note on RefiJet
Review RefiJet if these stored profile signals are relevant to your research: Car owners with existing auto loans seeking to refinance at lower rates. Consumers who want to compare multiple auto refinancing offers through one application. Profile signal to verify: No application fee to refinance.
CreditDoc Profile Note
Research Note on VIVA Finance, Inc.
Review VIVA Finance, Inc. if these stored profile signals are relevant to your research: Borrowers with bad or limited credit who have stable employment. Employees with 1+ year at their current job seeking personal loans. Profile signal to verify: Employment-based approval — not just credit score, giving access to borrowers traditional banks reject.
CreditDoc Profile Note
Research Note on RefiJet
CreditDoc comparison note: RefiJet. RefiJet earns a higher CreditDoc rating than VIVA Finance, serves borrowers seeking auto loan refinancing with a wider range of loan amounts and flexible terms, and holds a longer track record since its 2016 founding.
Check the Context Before You Contact a Company
Use this comparison with each company profile, related category pages, local guides, and CreditDoc data explainers. This page is directory context, not a recommendation, approval prediction, price quote, or licensing determination.
Frequently Asked Questions
Which lists the lower monthly price, RefiJet or VIVA Finance, Inc.?
Neither profile lists a recurring monthly subscription fee. This does not mean all borrowing, card, usage, interest, or per-transaction costs are free. Setup fees can change first-month cost: RefiJet has no listed setup fee, while VIVA Finance, Inc. has no listed setup fee.
Which has the higher stored BBB rating, RefiJet or VIVA Finance, Inc.?
RefiJet has an A+ BBB rating (accredited), while VIVA Finance, Inc. has an A+ BBB rating (accredited). BBB ratings are third-party signals and should be checked with current provider, regulator, and complaint-response context.
Do RefiJet and VIVA Finance, Inc. list refund terms?
Neither profile lists a refund term in the stored comparison data.
How should I compare RefiJet and VIVA Finance, Inc.?
Compare the profile details, pricing fields, public ratings where available, refund terms, and complaint-response context before contacting either company. CreditDoc's stored comparison note records RefiJet for this matchup because: RefiJet earns a higher CreditDoc rating than VIVA Finance, serves borrowers seeking auto loan refinancing with a wider range of loan amounts and flexible terms, and holds a longer track record since its 2016 founding.
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