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Viva Payday Loans > Bad Credit Loans

Bad Credit Loans

Do you need cash fast but find yourself haunted by bad credit? Check out Viva Payday Loans to find a range of borrowing options well-suited to bad credit borrowers.  Our bad credit loans require no credit check, guarantor, or collateral.

In years gone by, the credit check was of paramount importance when applying for a loan. Banks and other financial institutions have always been picky with customers, and on discovering that you have a stained financial history and low credit score, it almost certainly meant a big fat “no” on your loan application. Thankfully, things have changed.

Traditional banks have also got themselves a reputation for taking ages to approve loans and even longer to pay them out, so it stands to reason that a bad credit loan from a lender who pays out on the very same day would become popular in the light of this. At Viva Payday Loans, we work with a panel of these lenders – the type of lenders who payout on the same day and don’t base their entire approval process on FICO scores.

It can be easy to feel like you are out of options when faced with financial emergencies. But, you’re not. No matter how bad things get, you can always apply for bad credit loans and receive a decision in a matter of minutes. At Viva Payday Loans we aim to ensure that you have financial freedom and independence even during challenging times

What are Bad Credit Loans?

Bad credit loans are small-dollar or cash loans you can get even with poor credit. For many people, bad credit loans are cushion or bridging loans that get them from one paycheck to the next. They come with minimal requirements, and the lender determines the outcome by scrutinizing your income vs. expenses.

Bad credit loans at Viva Payday Loans:

  • Amount: $100 to $5,000
  • Repayment terms: 2 to 24 months

In most instances, applicants of bad credit personal loans use them for:

  • Paying back a family member or friend
  • Consolidating debt
  • Getting through a short term rough patch
  • Covering medical costs
  • Buying a birthday present for a child or partner

These are just examples – the list can be quite extensive.

With that said, bad credit loans work best for essential and time-sensitive expenses when you’re short on cash flow.

You may come across some bad credit loans that are called no-credit-check loans. They are loans you can get without a single credit check with the primary credit bureaus. Skipping the hard credit checks, lenders will not see your credit report and consider its contents while evaluating your loan. Instead, the lender will want to know how much you earn and what you spend your money on every month.

No-credit-check loans are possible because of 3 main things:

Short-term periods

Most bad credit loans are due within days to weeks after application (in some instances, they can be repaid in a few months). The quick turn-around time assures lenders that they can get their money back on time, lowering the risk of late payment and default

Higher interest rates

Bad credit loan interest rates are higher than other loans. The higher interest is a direct response to the increased risk to the lender.

Auto-debit

As part of the loan agreement, a borrower agrees to have the funds ready on the account by the due date. They then consent to an automatic debit being set up on their account. The deduction is usually set to come off your bank balance the same day that your salary or wages are paid.

Lenders only conduct soft checks for bad credit loans. Soft checks only include a personal fraud check and income verification. If a lender can prove that you are who you say you are and can validate your source of income, you can qualify for loans for bad credit.

Types of Bad Credit Loans

The following are types of bad credit loans available at Viva Payday Loans:

Loans For Bad Credit

At Viva Payday Loans, we’ll connect you to lenders who offer bad credit loans or loans for bad credit borrowers even if you have a less than perfect credit score. Best of all, it won’t cost you a cent!

Gone are the days when bad credit meant you couldn’t get a loan. At Viva Payday Loans, it’s nothing more than a hiccup when you need financial help. We work with specialized lenders who can offer you loans for bad credit provided you can afford to repay.

Instead of focusing on your bad credit score, lenders only consider your affordability based on your current monthly income and expenses. You can quickly borrow loans for bad credit from $100 to $5,000 with repayment periods of 2 to 24 months and interest rates between 5.99% and 35.99%.

Online Loans For Bad Credit 

You can get online loans for bad credit or borrow bad credit loans online through Viva Payday Loans. We guarantee the ultimate digital convenience where the entire process from application and approval to payout takes place online!

Simply download the Viva Payday Loans app or use our website for an easy-to-follow online application process. We’ll connect you to suitable bad credit loans lenders within 2 minutes after clicking the submit button. Say goodbye to tedious and frustrating loan processes and borrow bad credit loans online with a few simple clicks.

Personal Loans For Bad Credit

Various personal loan lenders at Viva Payday Loans specialize in offering personal loans for bad credit borrowers. Rest assured we don’t automatically reject borrowers because of a bad credit score.

If other lenders have denied you a loan, you have a higher chance of getting personal loans for bad credit among lenders at Viva Payday Loans. All that matters is that you can afford the loan based on your current monthly income and expenses.

Installment Loans For Bad Credit

You can also borrow installment loans for bad credit among lenders at Viva Payday Loans. You’ll get a fixed amount of money and repay in regularly scheduled payments over a few months or years. In every scheduled payment, you pay back a portion of the loan amount plus a percentage of the interest on the loan.

Installment loans for bad credit feature a more extended repayment period which makes it easy to repay. They’re suitable for improving your credit score, education advancement, home improvement, or paying down debt. At Viva Payday Loans, you can borrow installment loans for bad credit from $100 to $5,000 with 2 to 24 months repayment periods.

Urgent Loans For Bad Credit

Urgent loans and emergencies can’t wait, and neither should you. At Viva Payday Loans, we guarantee urgent loans for bad credit borrowers with same-day payouts!

You won’t have to wait long hours or days to know whether your loan request is approved, only minutes! Our lenders are also very speedy with paying out urgent loans for bad credit, and you can have money in your pocket on the same day you apply or within 24 hours at the latest.

Bad Credit Loans Guaranteed Approval

As mentioned before, there are no automatic rejections regardless of your credit history. As long as you’re eligible and can afford to repay the loan, you’ll get bad credit loans guaranteed approval.

At Viva Payday Loans, we’ll help you select bad credit loans suitable for your needs and circumstances to ensure you don’t waste money or time on unsuitable lenders.

Bad Credit Loans Direct Lenders

Viva Payday Loans gives you free access to the best and most reputable bad credit loans direct lenders. The quick and easy online application form enables us to understand your needs and circumstances.

We then match you to suitable bad credit loans direct lenders within minutes and connect you to them directly. Using our platform is free, and you’ll not pay anything.

Loans For Bad Credit No Credit Check

Imagine getting approved for a loan without a credit check! Through Viva Payday Loans, you can access loans for bad credit no credit check. They’re suitable for borrowers with bad or poor credit histories and those with no credit history.

If you have a bad credit history and don’t want lenders poking into your financial past, then loans for bad credit no credit check are the right choice. These loans are usually small and range from $100 to $2,000, but you can get up to $5,000 depending on your affordability.

Best Loans For Bad Credit

The best loans for bad credit in the US are available at Viva Payday Loans. They feature easy repayment, and flexible loan amounts to suit all kinds of budgets, needs, and occasions.

Whether it’s a few bucks or something more substantial, the best loans for bad credit have you covered. Plus, you can get the funds within the same day you apply to sort urgent expenses or emergencies.

Bad Credit Loans Near Me

If you’ve been looking for bad credit loans near me, look no further than Viva Payday Loans. Regardless of where you are in the US, you can easily and quickly borrow bad credit loans through our easy online application process.

Bad Credit Loans Reviews

Our lenders have some of the best bad credit loans reviews from borrowers in the US. We connect you to lenders who are most likely to approve and grant you a loan with a bad credit history.

They’re reputable, licensed, and fully transparent to ensure your peace of mind at all times. You can confirm this by checking out bad credit loans reviews of our lenders from previous borrowers.

Bad Credit Loans For Self Employed

It can be difficult getting a loan when you’re self-employed. However, at Viva Payday Loans, we connect you to reputable lenders who accept all kinds of income sources even if you have bad credit.

You can quickly get bad credit loans for self-employed borrowers with quick approval and payout as long as you can prove affordability with your self-employment income.

Bad Credit Loans With Cosigner

If you’ve found it challenging to get bad credit loans on your own, you should consider approaching a cosigner to help you get approved. This can be a responsible friend or relative with a good financial standing and credit history.

Bad credit loans with a cosigner are quickly approved because they feature less risk for the lender. If you default, the cosigner agrees to repay the loan on your behalf, making lenders more willing to advance better rates and amounts than you would get individually.

Bad Credit Loans With Collateral

Collateral refers to an asset you provide as security for bad credit loans. Bad credit loans with collateral features significantly reduced risks for the lender. If you fail to repay the loan, the lender can repossess and sell your asset as a last result to recover the loan.

You’ll find it easier to qualify for more significant loan amounts and better interest rates in bad credit loans with collateral.

Bad Credit Loans With Low Interest 

Viva Payday Loans works with lenders who offer the most competitive interest rates in the US. Thanks to competition among our extensive panel of lenders, you can easily find many bad credit loans with low interest or bad credit loans with low APR (Annual Percentage Rate).

You’ll benefit from low interest or APR as lenders try to outdo each other and remain competitive. You can expect to be charged interest rates from 5.99% to 35.99% for bad credit loans at Viva Payday Loans.

Bad Credit Loans With No Bank Account

We welcome all eligible Americans at Viva Payday Loans, even those without bank accounts! Unlike other lenders who require an active bank account to grant you a loan, we’ll freely connect you to lenders who offer bad credit loans with no bank account.

Features of Bad Credit Loans

Bad credit loans available at Viva Payday Loans include the following features:

The Principal Loan Amount

The principal loan amount is the amount you borrow from your lender. It is also the base amount that interest rates and APRs are calculated on.  At Viva Payday Loans, we offer loan principals of $100 to $5,000.

The Interest Rate

The interest rate reveals the direct cost of borrowing a loan. The interest rate is always partnered with the number of days, weeks, months, or years the loan is borrowed. At Viva Payday Loans, our associated lenders charge between 5.99% – 35.99% on loans up to $5,000.

The Repayment Schedule

The repayment schedule describes how many times and how often loan payments happen. If you take out a small bad credit loan, you will probably pay it back over 7 to 30 days, but most large loans are repaid over 2 to 24 months.

Charges and Penalties

You have to look out three main extra charges when applying for a bad credit loan.

  • Origination Fee. An origination fee is a fee your lender subtracts from your loan money as payment for processing your loan.
  • Early Settlement Fee. When you pay off your loan early, your lender earns less in interest. Your lender can ask for this fee to be paid over as a penalty to make up for this loss.
  • Late Payment Fee. Of course, there is a penalty for not paying on time. Late payment fees can be fixed or can depend on the principal loan amount.

At Viva Payday Loans, our services are free of charge. We do not add extra costs to your loan for our brokerage services.  

Examples of Bad Credit Loans – Online Loans with Poor Credit

Viva Payday Loans is an online loan broker that offers online loans for bad credit. We connect borrowers like you to the best lenders in the US. No two of our partner lenders are the same, and their offers will naturally differ.

Here are sample offers of loans with poor credit that you can receive here at Viva Payday Loans:

Lender Name Loanable Amount Loan Term Interest Rate or APR
OppLoans $500 – $4,000 9 to 18 months Varies with the combination of loan amount and term
GreenDay Online $100 – $5,000 24 months Depends on chosen loan amount

Advantages and Disadvantages of Bad Credit Loans

Pros of Bad Credit Loans

Easy Application

Your loan request is sent to all the top lenders in the US by completing just one application. Gone are the days where getting finance involved piles of paperwork and red tape. With just a few clicks, you can get a bad credit loan. In fact, the entire process takes a few minutes.

Quick Approval

With our advanced AI-powered processing system, you can get loan approvals in less than 2 minutes! Sit back and relax while our system matches you with a suitable lender. The offer you receive during the application process will be pre-approved, which means you are one signature away from getting the cash you need.

Fast Withdrawal

At Viva Payday Loans, all our loans are accessible within 24 banking hours. This estimation applies, granted that your application is complete and not lacking any information.

Disadvantages and Pitfalls of Loans for Bad Credit

Higher Interest Rates

Bad credit loan interest rates are undeniably higher than other loans, but for good reasons. The loan conditions are high-risk as borrowers lack good credit. Yet, these loans are faster and easier to get than traditional bank loans. The higher interest rates reasonably pay for the consideration, convenience, and speediness of bad credit loans.

Eligibility Criteria for the Best Loans for Bad Credit

Are you interested in getting the best loans for bad credit? First, check if you meet the essential criteria below to qualify.

  • Be at least 18 years old
    To get a loan, you will sign a loan agreement, a form of a legal contract. The legal age to sign a contract in most states in the US is 18 years.
  • Be a documented US citizen
    All Viva Payday Loans are available only in the US for US citizens. Non-US citizens who are registered permanent residents can apply – but there may be legal restrictions in place.
  • Have a stable source of income
    Your income is important to a lender because it’s the funding source you will use to repay your loan. You will need some form of income, but it does not have to be a salary. You can use alimony, rental income, government assistance, and various additional forms of alternative earnings.  
  • Have an active bank account
    You need a personal bank account where your lender can securely deposit your loan.
  • Have an active mobile phone number and email address
    You need to be reachable during the application process and the entire duration of your loan. Your mobile number and email address will be used to discuss the loan agreement, exchange needed documents, and keep in touch if anything changes on your contract.
  • A US government-issued ID (social security ID, driver’s license, passport, etc.)
    This is your proof of identity and citizenship. It also proves that you are at the right age to get a bad credit loan.
  • A utility bill in your name
    This is your proof of address and shows which state you currently live in.
  • Proof of income
    This is an original copy or verified document proving your source of income and should provide all of your details, including your name and contact details of your employer/benefactor and earnings amount. You can use bank statements, pay stubs, income statements, and tax return documents.

Get Very Bad Credit Loans in 3 Easy Steps – How to Apply

Need to borrow money online? Applying for a bad credit loan is made a quick and easy task at Vivapaydayloans.com. Our system is designed to take just a few minutes to apply, even less time to get approval, and the money paid out by the next business day.

Here’s how to apply for a bad credit loan at Viva Payday Loans:

Step 1: Complete the Online Application

Get started on your loan application by completing one short application form online. Provide your personal details and loan preferences honestly and accurately. Accept the terms and conditions as well as the privacy policy before submitting your application.

Step 2: Direct Communication with the Lender

After submitting the application form, it takes just two minutes for our lenders to respond. If one of our lenders approves your application, you will be transferred directly to them to set up the loan contract. The lender will most likely handle everything online, but they may reach out via email or telephone in the case of needing further information or additional documents. So make sure that you have your documents handy when applying.

Step 3: Receive the Loan Contract

Step three is all about the loan contract. We highly recommend reading through the agreement thoroughly to ensure you understand the terms and repayment schedule. If you’re happy with the agreement, you will need to digitally sign it and submit it to the lender. The lender will check the agreement over and finalize the loan.

Step 4: Get Your Cash

If your loan application is in order, all you need to do is wait until the funds appear in your bank account. Don’t worry – you won’t wait for very long. All of our lenders payout pretty quickly, ensuring that borrowers receive their funds within 24 hours.

FAQ’s About Easy Bad Credit Loans

Can I Get A Bad Credit Loan Without A Job? Are There Easy Loans for Bad Credit?

Of course, you can! We don’t let unemployment get in the way of your rights to access credit. Here at Viva Payday Loans, you only need proof of income to qualify. That income does not need to come from a job. You can use other forms of income like government benefits,  disability benefits, an allowance, property income, investment income, and so on to support your loan application. Present a valid and verifiable document as proof of your stable income and get the application process started.

Do I Need A Guarantor To Get A Loan With Poor Credit?

No, you don’t need a guarantor or co-signer to get a bad credit loan here at Viva Payday Loans.  You don’t have to risk your relationships and friendships for a loan – we all know how tricky it can be!  The lenders we work with will determine if you are eligible for a loan by looking at how much you earn and what your monthly expenses are each month.

Where Can I Get A Bad Credit Loan in the US?

Bad-credit lending regulations vary from state to state. While some states allow the form of loans with no reservations, some are very strict about them. Before getting one, check if your state has them and under what conditions they are allowed. You cannot get a bad credit loan in states where they are not allowed. You also mostly cannot go to another state that has them and get one there. There are a few exceptions for US citizens who live elsewhere due to work or own property in another state. The best place to find a bad credit loan in the US is right here at Vivapaydayloans.com.

How Do I Know if a Lender is Legitimate or a Scam?

It can be worrying if you’re unsure if a lender can be trusted. Here are our exclusive insider tips for getting payday loans in the US from legitimate lenders.

  1. Use an online broker to assist you. When you use a broker, you have the peace of mind that the loans you are offered come from registered, legitimate, and reputable lenders. That’s why it’s advisable to apply for a loan through Viva Payday loans.
  2. Check that the lender has a state license to operate as a lender. Bad credit loan providers need to register and get a permit from the state government before operating. A transparent lender will have a license for the state you are applying in and will make it available. With online payday loan sites, you can usually find the license information in the ‘About Us’ section. If you can’t find it, don’t be hesitant to ask. If a lender refuses to show you their license, chances are, you are talking to a loan shark or a scammer.
  3. If you’re not sure about a lender and they’re making you concerned,  contact your State Attorney General’s Office. Your State Attorney General’s Office has a complete list of all the registered and licensed lenders in your state. If you want to make sure that the lender you are transacting with is genuine, you can verify them this way. Some offices have websites that you can visit online; some, you call or email personally.
  4. Do your due diligence. By visiting unknown lending sites, you could find yourself dealing with a bogus lender aiming to steal your identity. Transacting with unlicensed and unverified lenders can lead to more than just a little bit of money loss. Illegitimate lenders can be scammers hoping to steal your personal details and use them to transact on your behalf illegally. After a few days or weeks, your credit card can rack up charges you never made because of identity theft. Be vigilant and safe – apply for a bad credit loan with Viva Payday Loans.

What Is The Maximum Bad Credit Loan Amount?

You can borrow as much as $5,000 here at Viva Payday Loans. Your actual limit may depend on the type of security of the loan, your creditworthiness, the term limit, and other loan conditions, such as the loan’s affordability. Our loan amounts start from $100.

Bad Credit Loans Online – What Do You Need?

Here is a list of what you need when applying for a bad credit loan at Viva Payday Loans:

  • Government issue form of identification
  • Proof of address
  • Proof of income
  • Active US bank account
  • An active mobile phone number

It’s really as simple as that. All you need are these five documents to get the bad credit loan application process started.

How Fast Can I Get My Bad Credit Loan?

In most instances, people who want a fast cash loan don’t have time to wait around. Emergencies don’t have time to wait, and neither do you. At Viva Payday Loans, we’re in the business of fast loans – our lenders won’t keep you waiting around. You will receive your loan within 24 hours from receiving your approval – banking holidays and weekends not included. Missing or incorrect information on your loan application can also delay the release of your funds.

How Do I Pay For My Bad Credit Loan?

Paying your bad credit loan on time and in full every time is essential. The lenders on our panel at Viva Payday Loans believe in keeping the process as simple and convenient as possible for borrowers. To ensure that you never miss a payment and don’t have to put much thought into it, each lender will request an automatic direct debit on your bank account. This means that the money will be automatically deducted on every agreed payment date. If you’re going to be short of funds for some reason and suspect the payment won’t be honoured by the bank, make sure that you contact the lender as soon as you can to make alternative arrangements. Most lenders will waive the adjustment fee if you’re upfront and let them know in time.

How Much Does A Loan for Bad Credit Cost?

The costs of bad credit loans vary from lender to lender. Our third-party partner lenders will send you their loan offers that you can check out before signing the loan. You can also make inquiries during the application process. The lenders that we work with offer annual interest rates of between 5.99% and 35.99%. Of course, there may be additional charges – you must check this with the lender during the contract finalization process

Can I Apply for More Than One Bad Credit Loan at a Time?

When applying for a loan with Viva Payday Loans, you are provided with one loan option. Taking out multiple loans at a time is considered irresponsible borrowing.

What Happens If I Cannot Repay My Bad Credit Loan?

Bad credit loans are kind to all its customers. Almost everyone can get one fast, with little to no complex requirements and processes needed. Payday lenders are even more considerate, lending money to even the highest-risk customers and trusting their promises. These promises are the foundation of the loans, which customers have the responsibility to adhere to and follow.

In the unfortunate case that a customer fails to pay their bad credit loan, lenders can:

  • Charge late-payment fees, which are added to the loan. The loan can balloon in size as the costs pile up, making them difficult to manage and repay in full immediately.
  • Ban the customer from getting another loan (may include the lender’s other partners in the industry). While some customers forget about their loans, lenders don’t forget the money they lose. Delinquent customers will almost certainly find it hard to get another loan from the same lender. If the lender is reputable and well-connected, their partners can also block the customer from receiving funds on request.
  • Report the payment delinquency to primary credit bureaus. Most bad credit loan customers already have poor credit. A negative report from another lender can further damage a customer’s credit history and score.
  • Seek the help of debt collectors. When lenders feel like they have done everything they can, they sell the rights of the loan to debt collection agencies. Debt collection agencies make a business of chasing after delinquent borrowers and recovering the loaned funds. Debt collectors can contact and collect loan payments anywhere within the country, and avoiding them is not easy. In the case of employing debt collectors to recover the loan amount, the borrower will be responsible for the collection fees.
  • File a civil lawsuit in court. Yes, lenders and debt collectors alike can file civil suits for unpaid loans. A customer that does not pay a loan on time breaches the contract they signed at the beginning of the agreement. Breach of contract is a valid ground for a civil lawsuit, so a customer can go to court for failing to pay for a loan.

With all of this in mind, it is imperative that you make alternative payment arrangements if you run into financial troubles during the course of your loan.

Is A Bad Credit Loan Right For Me?

Yes, A Bad Credit Loan Is Right For You! Bad credit loans are ideal for anyone with a low credit score and a financial need. Bad credit loans can be used to pay for vehicle repairs, cover medical costs, fix broken appliances or simply get you from one paycheck to the next in a rough month.