i had 2 loans from vivus, both quick and easy to apply for and the money went in to my account very quickly, both were paid off in full and both paid early, was offered another loan which i applied for to be told no i cant have it with no reason why i was refused, i have email after email saying you are pleased to announce i am a valued customer and apply for a loan, when i do again i am refused with no explaination, would have at first recommened anyone to go with vivus now i would tell people not to which i think is a shame as they were very helpful at first now i would tell people to stay well clear