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Viva Payday Loans > Loans For 200 Dollar (Bad Credit & No Credit Check)

Loans For 200 Dollar (Bad Credit & No Credit Check)

Does a $200 loan exist for those who just need a few extra bucks to get them through the month? The good news is that such a cash advance does exist! Sometimes, you don’t need a hefty loan but need just enough to buy the groceries, pay for your kid’s school field trip, or keep your Netflix connected until your nearing payday arrives. And this is precisely why $200 dollar loan options do exist! A 200 dollar loan is typically repaid by the borrower’s next payday, but when using the website, you get repayment options over 3 to 12 months. Of course, you must be eligible for the $200 loan in the first place, which means you must earn the minimum income, prove affordability, and be financially stable.

This overview seeks to educate borrowers on what’s involved when applying for a $200 loan. You will learn what a 200 dollar loan is, how it works, the various types, how to apply for one, and the features to be aware of. Best of all, Viva Payday Loans will put you in direct contact with lenders who are most likely to approve your loan and you won’t pay anything for the service (yes, it’s 100% free to you). Why waste hours trying to find a provider of a $200 loan instant approval when we can do the legwork and bring the ideal loan directly to you?

What Is A $200 Loan & How Does It Work?

A $200 loan is essentially a payday loan because it’s intended to be bridging cash. Most borrowers pay the cash loan back over the minimum repayment period (three months), but others take their time to repay the loan over longer periods (up to 12 months). The small loan model is quite simple. The borrower selects the loan amount they want and how long they want to pay it back over. The lender considers the loan application and then requests supporting documentation (payslips, bank statements, ID) and presents a proposed package, including an interest rate. After that, it is up to the borrower to decide if they wish to go ahead with the $200 loan.

If you’re happy to go ahead and the lender has all the required information and approves your loan, the cash will be immediately paid into your bank account. In most instances, a $200 loan direct lender will try to get the cash to the borrower within just 60 minutes. The cash is paid out by the next business day in other cases. Either way, small loan payouts are usually quite quick!

While Viva Payday Loans doesn’t carry out credit checks, lenders do. You must also prove that you’re earning enough to support the expected installments to repay the loan. In general, APRs are set at around 5.99% to 35.99%. Repayment schedules on the 200 dollar loan can be discussed directly with the lender.

Types Of 200 Dollar Loans

There are several $200 loan options available when applying through

Get An Unsecured 200 Dollar Loan With Bad Credit

An unsecured loan is a loan that’s provided without the lender requiring collateral or a co-signatory. If you’re in contact with a $200 loan direct lender, be sure to enquire if their loans require collateral or not. Because the lender takes on additional risk, borrowers usually face high-interest rates and fees when getting unsecured loans. When using the Viva Payday Loans site to find a loan, most of the loans on offer are unsecured and range beyond $200 – in fact, they range from $100 to $5,000 with 2 to 24 months to pay.

Instant Payout $200 Loan

It’s not easy to get cash in a hurry nowadays, but with 200 loan options on the market, you can get the cash you need in as little as a few hours. Of course, each lender is different, but most offer 60-minute payouts from the time of loan approval. In most instances, approved loans are paid out within 24 hours. So, with access to quick cash when you need it, you can rest assured that you’ve got the best possible chance of getting a $200 loan instant approval when using

Get A 200 Loan For Bad Credit Borrowers

So, you’ve had a rocky financial past – that doesn’t mean that you’re completely out of the running for 200 personal loans. Credit checks have struck fear into the hearts of many borrowers over the years, and because they can spell loan rejections, some with low credit scores don’t even apply. Keep in mind that while credit checks are the norm, lenders are also looking for other factors to decide if the loan should be approved or not. For instance, you need to earn at least $1,000 per month and provide a list of expenses so your income vs. expenses can be determined.

Get $200 Loan Today Unemployed, Or Not Traditionally Employed

One of the first things lenders want to know when you apply for a loan is how much you earn each month. This will determine the loan size you can get and if you can afford to repay the loan. But what if you don’t work for a company and earn money in untraditional ways? Believe it or not, there are millions of people out there like you, and they can get a $200 loan today unemployed, and so can you! If your income is steady (you need to earn at least $1,000 per month consistently) and your expenses aren’t already strangling your budget, you can comfortably apply for a $200 loan. Common acceptable alternative or non-traditional income forms include trust payments, freelance income, rental income, grants, child support, government benefits, investment dividends, and similar.

Employment is usually a pretty big deal when getting a loan. If you don’t work a regular job and get a monthly payslip, you may be concerned that you will be turned away when applying for a $200 loan today unemployed. While earning a steady income is essential when applying for a loan, you don’t have to get it from a traditional loan. You need to make a minimum of $1,000 per month, and this can be earned from dividends, rental income, grants, child support, benefits, trust payments, or even freelance income.

Common Features Of $200 Loans

Each lender offers different terms, but most offer $200 loans with the following features:

Quick Cash Payout

You won’t want to wait weeks for your $200 loan payout. Don’t worry about that! Lenders on the Viva Payday Loans panel focus on providing payouts on approved loans as quickly as possible. The minimum you can expect to wait is one hour, and the max is by the next business day (24 hours).

$200 Loans From Reputable Lenders

Of course, you want to avoid signing a 200 dollar loan contract with a lender that’s not reputable and transparent. It’s highly recommended only to borrow from lenders with a good reputation on the market. When using the Viva Payday Loans site, you will be matched with lenders with a good reputation in the industry.

Application Process Online

It’s now possible to get a 200 loan with just a few clicks. When using Viva Payday Loans as your loan matching service, you don’t even need to leave the comfort of your office or home. Simply apply online, finalize the contract with the lender online, sign the loan digitally, and get the cash paid into your account. What could be easier or more convenient?

Advantages And Disadvantages Of A $200 Loan For Bad Credit


All FICO Scores Welcome

All FICO score borrowers are welcome to apply for 200 loans. will match you with lenders who will do their checks and determine whether or not you’re a viable candidate for a loan.

Flexible Repayment Options

When applying for $200 loan options, lenders will discuss the possible repayment schedules with you to ensure that you can comfortably repay your loan. Lenders on the website offer 2 – 12 month repayment and 2 to 24 month repayment options.

Free Loan Matching Means Improved Approval Chances

With, you apply just once for a loan and are presented with several packages offering $200 loans. This saves time and also means you don’t have to put yourself out by contacting each lending company individually.


Interest Costs

The risk to the lender on $200 loan deals incurs a cost for the borrower. And this cost is usually an interest rate that can start as low as 5.99% and soar all the way up to 35.99%.

Eligibility Criteria For A 200 Dollar Loan

To qualify for a $200 loan through, you must meet the following eligibility requirements.

  • Be at least 18 years old
  • Be a legal citizen or resident of the USA
  • Earn at least $1000 per month
  • Hold an active US bank account
  • Have a valid form of ID

How To Apply For $200 Payday Loan No Credit Check

There are four simple steps to apply for a 200 dollar loan as follows:

Step 1: Select The Amount You Wish To Borrow & The Term

It’s essential that you only apply for a loan amount that you can realistically afford to repay. With this in mind, select how much you wish to borrow. If you’re only seeking a 200 dollar loan, the repayment is typically done over just a few weeks or months.  If you plan to borrow more ( can connect you with lenders offering up to $5,000), you can choose a longer loan term of typically 2 to 24 months.

Step 2: Fill Out The Online Application Form

There is certain information that the lender will require before they can approve or reject your loan application. This includes your full name and ID, address, employment details, copies of your supporting documents, your bank details, and of course, a list of all your expenses for each month. By clicking on the green “Apply” button on the top right side of your screen, you can capture all of these details for the lender. Be as accurate as possible to ensure a greater chance of your $200 loan request being approved.

Step 3: Get Approval In Just Two Minutes

Two minutes is all it takes for a 200 dollar loan to be approved or rejected. All you need to do is make yourself a cup of tea or coffee, and you’ll know if your loan has been accepted or not – quick, right? Lenders will provide basic details of the loans they have available, and if they tickle your fancy, you can elect to continue the process directly on the lender’s site. If further information is required, the lender will contact you directly to get it.

Step 4: Get $200 Within 24 Hours

Most lenders offering $200 loan packages aim to pay out the loan quickly. In most instances, the cash is paid out within 60 minutes of approval, but you should have your cash within 24 hours if there’s a slight delay.


How Can I Borrow $200 Instantly?

Payday loans are the easiest way to get a $200 loan instantly, or almost instantly. These loans are straightforward, offering small amounts with simple repayment terms. You can apply for same-day and payday loans on the platform.

Can I Get $200 With Bad Credit?

You will find that some payday loans and short-term loans are said to be “no credit check” loans. That said, most lenders will carry out a credit check on applications to see if it’s viable to lend you the cash. At the same time, if you only want a $200 loan you may be able to get one with bad credit. If you don’t repay the loan, though, you stand to be faced with penalties and face a reduction in your credit score too.

How Much Does A $200 Payday Loans Cost?

If you want a 200 dollar loan, you probably want to know more about the associated fees and costs. In most states, interest on payday loans is capped at 36%. When using to find the perfect loan, you will find that lenders generally impose interest of 5.99% to 35.99%.

How Can I Get Instant Cash?

If you need cash in a hurry, you may wonder how you can get cash right now. No lender provides instant cash in the true sense of the world. Expect for the shortest waiting period to be around 1 hour with most people receiving their cash within 24 hours.