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Apply with Viva Payday Loans in 2 minutes

1. Tell us how much cash you need & for how long.

Confirm loan terms with lender

2. Complete our quick application form.

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3. Get a decision in just 2 minutes, 100% online.

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How it works

If you meet the below criteria you’re eligible to apply now.

1. Over 18 years old

2. Receive a regular monthly income of more than $1,000

3. Have a permanent address

4. Valid checking or savings account with direct deposit

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About Viva Payday Loans

Viva Payday Loans allows customers in the United States to have quick and easy access to the market of payday loans direct lenders only. Simply fill in your information, and we’ll do the rest of the work for you. Requests take 2 minutes, and a decision is provided instantly. Register today.*Decisions made by the lender are subject to credit and affordability checks

Payday Loans Online – Quick Payday Loans USA With Instant Decisions

If you’ve been looking for a platform that offers the opportunity to apply for a loan with top lenders with just one application, now you’ve found it – you’ve arrived! We’re in the business of making financial dreams come true at Viva Payday Loans, and you’re about to find out just how we do that when you apply for a loan using our quick and easy online application process.

Loans at Viva Payday Loans are:

  • Between $100 and $5,000
  • Paid back over 2 to 24 months
  • Come with interest rates of 5.99% to 35.99%

At Viva Payday Loans, the lenders we work with provide loan deals designed for everyday Americans. So whether you’re in search of a few hundred bucks to get you to your next paycheck or something more substantial so you can buy your darling an engagement ring that urges a resounding “yes!” you can get the funding you need right here at Viva Payday Loans. We’ve got instant online payday loans for all needs, occasions, and budgets, and what’s more, is that they’re available with a few simple clicks!

What Are Payday Loans USA & How Do They Work?

Payday loans are true to their name; they’re small loans meant to carry you to your next payday. They’re breather online payday loans instant approval that let you catch your breath again just for a bit. They’re designed to be quick and easy to pay back so that you’re not indebted for long. And because the lender typically sets up an automatic debit, you don’t have to worry about missing a payment or budgeting for it – your salary or income will take care of it as it comes into your bank account. Convenient, right? We think so too!

Online Payday Loans instant approval come in various shapes and forms, which you’ll explore in the next section. For now, you need to know that most of our loans follow a similar format. Simply fill out the online application form with your requested loan amount and term, wait for the lenders on our panel to decide if they can assist, sign the loan and get the money in the bank! It sounds super simple because it is.

Types of Payday Loans Online

Remember we mentioned that fast payday loans online come in many shapes and forms and that we offer them all? Here’s what you need to know about each type.

Instant Online Payday Loans Bad Credit

Back in the day, bad credit was a financial death sentence to borrowers – it meant no loan for you, no matter what you said to state your case. Nowadays, bad credit is a hiccup along the way, but it doesn’t mean you can’t get the loan you want and need.

In fact, many lenders readily help borrowers with a less than ideal credit score and assist those who have no credit history to speak of. If a traditional bank has denied your application or you have received a rejection from another online platform, you may very well have better luck with us. Of course, it doesn’t really come down to luck, just like it doesn’t come down to your credit score. What it really comes down to is whether or not you can afford to pay the requested instant loan and if you’re able to meet the other requirements.

The reason lenders have become less fixated on the “bad credit” term is that it’s a term that can be quite broad. For instance, if you were bankrupt or defaulted on account payments several years ago, you may still be considered to have “bad credit.” That’s in the past and shouldn’t affect your access to financial aid right now. Nowadays, lenders treat borrowers like the individuals they are and assess the application based on the facts. One of the perks of bad credit loans is that they’re small and easy to repay, which can help you rebuild a better credit score – that’s a neat side effect of taking out a loan!

Quick Cash Loans No Credit Check

Credit checks can be so prying! The thought of a lender poking around in your credit history isn’t very appealing, is it? Especially if your credit score is less than perfect. If you’d rather avoid the digital interrogation, you can opt for a no credit check payday loan that requires – you guessed it – payday loans online no credit check instant approval!

This loan is designed for the everyday American who may not have a credit history or has had a few financial hurdles in the past. We don’t judge or discriminate at Viva Payday Loans, so you don’t have to worry about that.

This is the best online payday loans for you if you want a bit of bridging cash to get you through the month or pay for small expenses that crop up along the way. They’re not big loans, typically ranging from $100 to $2,000 and one of the most popular being the 500 dollar loan,  although many of our lenders offer quick cash loans of up to $5,000. It all comes down to affordability. The only not-so-great part of these instant payday loans online is that they come with a high interest rate, but you’ll quickly forget about that detail when you realize just how quick, easy, and convenient it is to borrow money through Viva Payday Loans.

Quick Online Payday Loans Unemployed – Loans with No Job

Having no job isn’t always a bad thing. Just because you’re not employed traditionally doesn’t mean that you’re not earning an income. In the past, if you had no traditional job, getting a loan was nothing but a distant dream, but nowadays, having no job doesn’t exclude you from access to instant loans online.

At, you can get payday loans for unemployed as long as you meet the borrowing criteria. This means you have to afford the expected repayments, have all the required documents, and be able to show that you’re getting money into your account each month (at least $1,000 each month). That’s really the catch – affordability.

You can prove income as a jobless person with:

  • Rental income
  • Dividends
  • Regular income from a spouse, partner, or parent
  • Social security benefits
  • Disability income
  • Pension or retirement income
  • Child support and alimony
  • Trust proceeds
  • Veterans affairs benefits
  • Freelance earnings
  • Side hustle or part-time earnings

As you can see, there are plenty of options to prove you have an alternative source of income. It goes without saying that the lender takes on the risk with an unemployed loan, so the expected interest can be relatively high. That said, our unemployed loans available are from $100 to $5,000 with up to 24 months to pay.

Fast Payday Loans on Welfare – Temporary Assistance for Needy Families (TANF)

TANF is a government program designed to help families in need achieve much-desired self-sufficiency. The government offers these benefits to pregnant women, household breadwinners who are 18 years or younger, and families that have children under the age of 18. If you’re on this type of benefit, you’re either unemployed, work sporadically or earn a very low wage.

The chances are, as a result, that there come times when you need a financial helping hand, such as our 1 hour payday loans. And before you even ask, yes, we can assist. What’s more is that you can quickly apply online, receive a decision in a few minutes and get the cash the next day. For financial emergencies and unexpected expenses, this is a dream come true.

At Viva Payday Loans, we offer loans to people on benefits, but we recommend that you take a small cash advance of between $100 and $2,000 to ensure affordability, like a $255 payday loan online. The lower the loan, the greater the chance of being approved.

Guaranteed Payday Loans on Supplemental Security Income (SSI)

All across America, thousands of people collect SSI monthly payments, and you might be one of them. These benefits are made available to adults and children who are blind or suffer another disability. It’s also available to people who have a low income or are disabled and over 65 years of age.

If you’re on SSI benefits, there’s no reason to think you’re not eligible for a loan. In fact, many lenders are more than willing to extend a loan offer to verify your payments and prove the monthly installments’ affordability. The nice thing about payday loans for people on SSI benefits is that they are small and affordable, and you can get the cash in a hurry.

Payday Loans Without Phone Calls

Nobody wants to spend time sitting on phone calls trying to sort out a loan application when the internet offers the ultimate digital convenience. Luckily the finance world has kept up with the times, and nowadays, you can borrow money online with absolutely no need to leave the comfort of your home or even exchange phone calls.

At Viva Payday Loans, our payday loans without phone calls are designed to be quick and easy. You can decide on the loan amount you want, complete the online application form, and receive a loan offer, all in a matter of minutes. You might need to provide supporting documentation on request, but that can be done via email and online upload, just like the rest of the online personal loan applications. There’s no need to have a single verbal discussion with another person from the moment you decide to take out a loan to the moment the money arrives in your bank account the next day.

Direct Payday Loans by SMS

As part of the human condition, we text all day. We send a quick message to a loved one, ask service providers questions, and receive pertinent information about our health, jobs, and even the weather, all by convenient SMS. What if you could use SMS to get yourself a lump sum of much-needed cash?

Imagine sending a simple text to get the money you need in as little as just 24 hours. Now you don’t have to imagine it because such payday loans online are now a reality. At Viva Payday Loans, we’re in the business of making loans quick and easy to apply for – and what could be easier than sending a text?

Of course, there’s a bit more involved in the process. You still have to go through the credit check and affordability assessment, but that said, there’s no denying that it’s still convenient.

The process involves filling your details into an online form. Once the lender has captured your details, you can then apply for a small payday loans by text. You might wonder what the point is if you have to fill out an online form, but it’s really about the future. Once the lender has your details, if they don’t change, you can use the same SMS method for future loan applications without going online, filling in any forms, or going through the entire process again.

Payday Loans with Debit Card

Some of the best payday loans are the most convenient ones. Debit card payday loans are some of the most convenient instant payday loans online guaranteed approval around. With debit card loans, the application process is much the same as most other loans. Once you have completed the online application and your loan has been approved, the funds are deposited directly onto your debit card. It doesn’t take long for the money to reflect, and when it does, you can get to work swiping your card to spend the cash on anything you want and need. With a debit card loan, you don’t have to wait for the cash to make its way into your bank account – it’s really just a quicker way to get your cash in hand.

Instant Payday Loans Online Guaranteed Approval with a Prepaid Card

Are you one of the many unbanked individuals in America? As it turns out, you’re part of a growing community that doesn’t have a savings or checking account. Perhaps you have poor credit, or maybe you prefer to carry cash. Whatever the case may be, you’ll probably worry about getting into a sticky situation when short-term loan providers stipulate an active bank account as one of their loan requirements. Worse yet, what do you do when they ask for evidence of three months bank statements. The good news is that there’s no reason why you can’t get a payday loan of anything between $100 and $5,000 especially when so many lenders are now offering paydays loans to invidivuals who have prepaid cards.

Many borrowers prefer using this type of card for payday loans because they can quickly use their card to pay for daily needs and expenses – a simple swipe is all it takes. If you’re using a Netcash card, it’s easy to link you with some of the top lenders in the country, and when it comes to paying your loan installment, you don’t have to worry. The lender will set up an automatic debit to take the hassle out of the process for you. Such cards also allow overdraft facilities that you can pay off with a small payday loans.

Of course, many lenders in the US require applicants to have an active checking account in their name in order to qualify for a loan, so opting for a prepaid card loan comes down to finding lenders that offer the service.

Payday Loans with Checking Account

If you’re an American checking account holder with more than three month’s banking history, you’re in luck. You already meet with one of the biggest eligibility requirements of most providers of payday loans USA – you can borrow money at Viva Payday Loans with relative ease!

There are a few reasons why lenders smile on applications that have a checking account handy. First and foremost, a checking account makes it quick and easy to verify your income and paints a pretty clear picture of whether or not you’ll afford the payments. Verifying your cash flow and looking at how much money you spend, will also give risk assessors a clearer idea of what type of borrower you are. The lender can see how much you earn, what date your funds come into your account and set up a direct automatic debit to whisk your loan installment straight off your bank account when it’s due.

If you’ve got a checking account, you can borrow money online at Viva Payday Loans. If you meet the other minimum requirements, you can borrow anything from $200 to $5,000 with loan repayment terms of 2 to 24 months. As with most of our instant payday loans, the interest rate varies from 5.99% to 35.9%.

Instant Payday Loan Apps

Viva Payday Loans is within the apps that loan you money, as you can submit your loan application to several lenders using only your mobile phone.

Features the Best Payday Loans in the USA

By now, you’re probably picking up on the fact that many of the loans at Viva Payday Loans are similar in many ways. Here’s a quick look at the features of the payday loans online we assist with.

Flexible, Affordable Loan Amounts

What’s the point of taking out a loan if you can’t afford to repay it? That’s just looking for trouble. To make it easier for our borrowers, we only offer quick cash loans ranging from $100 to $5,000. Of course, it varies from lender to lender, but we will do our best to match you with a lender that can service your unique loan request. We always recommend only borrowing what you need, even though it can be tempting to take a chance and apply for the highest possible amount.

Paying the Money Back

The most inconvenient part of taking out a loan is paying it back, but if you’ve planned your finances well and were responsible when you selected your loan amount and terms, you should find it an easy task. The payday loans online that our panel of lenders offers come with terms of 2 to 24 months. Of course, paying the loan off quicker means that you pay less in accrued interest.

Frequency of Repayments

When you’re in the throes of coming to a loan agreement with a lender, they will speak about a repayment schedule. This is when you will pay the loan back. If you’re taking out a substantial amount, you will need several months to pay, and if you’re taking out a small amount, you may need just a few weeks. The lender will offer your payment frequencies of weekly, fortnightly, and monthly to choose between. Choose a schedule that fits with your earnings.


Interest is a touchy subject for many borrowers, but you will find that many of the lenders we work with like to keep their interest rates reasonable. In general, the rates range from 5.99% to 35.99%. Always ask about additional fees on your account, including the origination, penalties for early and late payments, and early exit fee.

Reputable Lenders

Our lenders are transparent, reputable, and reliable. If they promise you something, you can rely on them to deliver. Their details are available for direct contact, and if you want to know more about how they behave as a lender and treat their customers, all you have to do is hop online and read the online reviews.

Instant Approval Loans – Cash in Your Account within 24 Hours

If you apply for a payday loan today, the chances are that you’re going to get the money today or, at the very latest, tomorrow. Many of our lenders offer same-day payout, but to be safe, expect the cash in your account on the next business day, usually within 24 hours. You can also find some of our lenders providing tax refund cash advance emergency loans for your convenience.

Advantages and Disadvantages of Online Payday Loans

When applying for online payday loans direct lenders are in touch with you to finalize a loan that works for you. While each lender is different, the loan deals that we offer come with similar advantages and disadvantages – and here they are.

Advantages of Payday Loans USA

  • Borrowing Decision in Minutes

Waiting around for a decision is overrated. At Viva Payday Loans, our online system is designed to provide you with an almost instant outcome on your loan application. Once you’ve submitted your application, you’ll know if you can get the money you need in just a few minutes.

  • All FICO Scores Welcome

Gone are the days where a low credit score spelled doom for your credit applications. Our lenders are known to help out Americans with all kinds of FICO scores, even the very low or non-existent ones.

  • Access to Lenders Most Likely to Approve Your Request

Because we work with a panel of some of the best lenders in America, when we receive your application, we’ll ensure it’s delivered to the lenders most likely to approve and pay out your loan!

Disadvantages of Instant Loans Online

  • Expensive Form of Finance

If you’re shopping for an instant online loan, there’s a high chance that you earn a low income, have a low credit score, or simply cannot get loan approval with traditional banks and financial institutions. Perhaps you’re just looking for an opportunity to build a good credit score.

Whatever the care may be, you’re probably already aware that instant cash loans and payday cash loans come with high interest rates, which means they’re not the most affordable form of borrowing.

Are You Eligible to Borrow Money at Viva Payday Loans?

Here’s what you need to qualify:

  • Valid ID
  • 18 years of age or older
  • Active bank account
  • Proof of your regular income (you must earn at least $1,000 per month)
  • Proof of residential address

Getting Quick Cash – How to Apply for The Best Payday Loans in the USA

If you’re ready to get started with your loan application, it’s as easy as 1-2-3. No, really, there are just three steps! Here they are.

Step 1: Choose the Loan Amount & Term

Consider your financial situation and then select how much you want to borrow and how long you want to pay it back over. Keep in mind that our loan amounts range from $100 to $5,000, and the terms we offer range from 2 to 24 months. We urge you to be realistic at this point – borrowing more money than you can afford will only negatively impact your credit in the long run and put you in a tricky financial spot.

Step 2: Capture Your Details

Now that you’ve got the money selection out of the way, it’s time to give us all the info required to verify that you do, in fact, qualify for a loan. Our online application form will ask you for things like your personal details, your banking details, employment and income information, and a list of your monthly expenses. Don’t worry – we keep this information between you, us, and the lender. The entire process is confidential and secure.

Step 3: Receive a Decision & Your Cash

If you’ve got two minutes to spare, that’s how long it will take to receive a decision on your request. If a third-party independent lender can offer you a loan, you’ll be directed to them to complete the process. They may request further supporting documentation from you at this stage, so have your pay stubs, bank statements, proof of address, and ID handy. If all goes according to plan, you will be sent a loan contract. Read the terms and conditions, familiarize yourself with the repayment schedule and then sign it. Once that’s settled, the money will be in your account within 24 hours.

Getting Your Best Online Payday Loans

Gone are the days where a loan application was a tedious and frustrating experience. Now, applying for a loan takes just a few minutes, and you have the money in your pocket before the end of the next day. There’s no nail-biting, pacing, worrying, and wondering about your loan application outcome. We’ll make sure you get one within two minutes of clicking the “Submit” button! Most of our lenders are pretty speedy with their payouts, too, with most of them paying out on the same day. But just to be safe, we promise a next-day business payout.

Life has a way of presenting unexpected costs, expensive emergencies, the need to study further, can’t-miss deals, and sporadic desires to go on vacation or buy something with a hefty price tag attached. Much the same, life has a way of depleting our finances. Everyday expenses and regular bills mount up, making that much-awaited paycheck seem like a drop in the ocean of the funds you actually want and need. That said, a rough patch, more month than money, and a tight budget isn’t something you just have to accept and live with. If you need cash to get something you really want, pay for a rental bond to ensure you aren’t missing out on that dream apartment, get just enough money to spoil your kid with a birthday cake or pay the repair guy for fixing that weird rattle coming from your car, there’s every reason why you should get it.

Online Payday Loans – Conclusion

Now that you’ve got an understanding of the various types of quick cash loans we offer, how to apply for them and if you qualify, you can quite simply take your pick!

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If I Have Questions After Receiving My Loan, Who Do I Contact?

Once your loan is in place, the contract exists between you and the lender. For queries on your loan, it is best to get into direct contact with your lender. Don’t worry – these details will be shared with you in your loan contract.

I Am Self-Employed – How Do I Provide Proof of Income?

It can be hard for self-employed people to prove they can afford a loan. While you won’t have pay stubs to show for it, there are other documents that are considered acceptable forms of income proof. These include:

  • Your annual tax returns
  • Bank statements (at least three months)
  • Official profit and loss statements

How Much Do I Have to Earn to Get a Loan at

While each lender has its own stipulation on earnings, most require applicants to generate at least $1,000 in regular monthly income to qualify for a loan.

I Was Previously Deemed Bankrupt – Can I Borrow Money Through Viva Payday Loans?

While it is impossible to get approved for a loan while you are going through bankruptcy, you may be approved for a loan once there has been bankruptcy discharge and you are released from liability. Of course, it varies from lender to lender. Some lenders may accept you, while others may not.

How Can I Improve My Chances of Instant Cash Loan Approval?

If you want to increase the chance of loan approval, you can:

  • Reduce your monthly expenses before you apply
  • Only request to borrow a small amount
  • Show easy affordability
  • Have all your documents readily available
  • Have a good FICO score
  • Ask someone to sign as a guarantor on your loan

Is Viva Payday Loans a Lender in the USA?

It’s important to note that is not a lender. We are a brokerage and loan matching service that has a knack for pairing consumers with independent third-party lenders.