Moya Rivera was born in Lebu, Biobío Region, Chile, on 13 October 1913 (claims 13 August). In 1928, she moved to Talcahuano because one of her sisters resided there. It was in Talcahuano that she met her future husband, a sailor, with whom she had three daughters.

Throughout her life, Moya Rivera dedicated herself entirely to her family. She had a keen interest in fashion and dressing well. She lived independently until she turned 100, after which she found it challenging to cook for herself. However, she remained reasonably independent until the age of 103.

Her secret to longevity includes drinking plenty of milk, avoiding parties, refraining from smoking, maintaining a healthy diet, and adhering to a regular sleep schedule. She is very religious and prays every night.

As of March 2024, she remains mentally sharp and free from discomfort or diseases. She currently resides in Talcahuano, Biobío Region, Chile. She has 13 grandchildren, 34 great-grandchildren, and 4 great-great-grandchildren.