Digital lending platform delivers personal loans with repayment plans that reflect borrowers’ income and financial needs

Atlanta, GA (February 10, 2026) – The American Fintech Council (AFC), the largest industry association representing both responsible fintech companies and innovative banks, announced the addition of VIVA Finance as its newest member. VIVA Finance is a mobile-first lending platform focused on expanding access to affordable credit through employment-based underwriting. As an AFC member, VIVA joins a network of financial leaders working to advance inclusive lending practices for borrowers across the country.

“VIVA Finance is creating flexible, affordable credit options that meet borrowers where they are,” said Phil Goldfeder, CEO of the American Fintech Council. “Their platform offers practical, income-aligned tools that help borrowers consolidate debt, lower high-interest balances, and maintain financial stability. We are excited to welcome VIVA Finance to the AFC community and look forward to working together on responsible lending initiatives.”

VIVA Finance is a digital lending platform offering personal loans tailored to borrowers’ financial needs. The platform allows users to apply quickly, receive pre-approval decisions digitally, and manage repayment online. Borrowers can use these loans to consolidate existing debt, refinance high-interest credit cards, or cover unexpected expenses. By emphasizing employment information rather than credit history, VIVA expands access to responsible credit and supports individuals in building a more stable financial foundation.

“From the beginning, we have been driven by a simple belief: hard-working Americans deserve a lending approach that rewards them for the stability and dedication they bring to their jobs every day,” said Jack Markwalter, Co-founder and CEO of VIVA Finance. “We want to provide tools that give borrowers more control over their finances, whether they’re managing existing debt, planning for the future, or handling unexpected expenses. Joining the American Fintech Council allows us to work alongside other industry leaders to promote fair and accessible credit solutions.”

A standards-based organization, the American Fintech Council (AFC) is the largest and most diverse trade association representing financial technology (fintech) companies and innovative banks. On behalf of over 150 member companies and partners, AFC promotes a transparent, inclusive, and customer-centric financial system by supporting responsible innovation in financial services and encouraging sound public policy. AFC members foster competition in consumer finance and pioneer products to better serve underserved consumer segments and geographies.

About VIVA Finance
VIVA Finance powers a mobile-first lending platform that offers loans underwritten primarily based on employment information, rather than credit history. VIVA’s mission is to build an inclusive financial system by expanding access to affordable credit through its alternative underwriting model. Launched in early 2019, thousands of individuals have utilized VIVA's loans to refinance expensive debt and cover a variety of financial needs. Learn more at www.viva-finance.com.

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