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Cash Advance – Quick and Easy Loans

If it’s starting to feel like there’s more month left than money, it might be time to consider a cash advance. A cash advance can act as a saving grace to anyone going through a rough financial patch or faced with an unexpected expense. Sudden expenses have a way of sneaking up, don’t they? You’re driving the kids to school, and suddenly you get a flat tire. You’ve been putting off buying a new spare tire because that would just put a strain on your finances. Uh-oh! Maybe it’s time for a payday advance! Much the same, the fridge can break down, your child can return home with the exciting news of a costly school field trip coming up, or you might have a minor slip and fall incident at home and need medical care for your twisted ankle. Whatever the case may be, cash in a hurry is something you need.

Everything you need to know about a cash advance is in the information below.

What is a Cash Advance, and How Does it Work?

A fast cash advance is, in essence, a payday loan. It’s a small amount of money that you borrow just to get you to your next payday. The amount should be small enough to be covered by your next salary without negatively impacting your cash flow for the following month.

Cash advance at Viva Payday Loans:

  • Amount: $200 to $5,000
  • Terms: 2 to 24 months
  • Interest: 5.99% to 35.99%

At, you can get a cash advance of between $200 and $2,000. We also offer higher loan amounts of up to $5,000. Generally speaking, cash advances are repaid within 7 to 30 days. Of course, you can take out a cash advance of a higher amount and expect to pay it back between 2 and 24 months. The loan term allowed will depend on the amount borrowed and the lender’s determination of your affordability.

To borrow money online from a cash advance lender, borrowers simply need to complete an online application form, receive an offer from the lender, sign the loan agreement and get the money paid directly into their bank account. To keep the agreement in good standing, the borrower must pay the agreed amount by the specified date. Every time you repay your loan in full and on time, it improves your credit score and helps you build rapport with the lender. It could mean higher loan amounts for you in the future.

Types of Cash Advance

Several loans fall into the cash advance category. These include:

Cash Advance Apps

Imagine getting a cash advance of your next payment by tapping on the screen or pushing a button on your phone! This is what cash advance apps are all about, and they’re part of the digital revolution in the world of online loans in America. 

The best cash advance apps like the Viva Payday Loans app offer the ultimate convenience of a loan on your phone! You can quickly get a cash advance between $100 and $5,000 within minutes with interest rates between 5.99% and 35.99%.

They’re ideal for the everyday modern American who wants financial options right at their fingertips. Just go to the Viva Payday Loans app, sign up, and request the cash advance amount you need. If approved by our lenders, you’ll get funded instantly or within 24 hours at the latest!

Cash Advance America

Gone are the days when applying for a loan was a frustrating and tedious experience. With Viva Payday Loans, you can apply for a cash advance anywhere in the US within minutes and get funded by the end of the next day. We’ll connect you with the top lenders offering cash advance America loans free of charge!

Whether it’s a few bucks to carry you to your next payday or something more substantial, Viva Payday Loans has your back. You can borrow a cash advance for all types of needs, budgets, and occasions. But what exactly is a cash advance loan?

Cash Advance Loan

A cash advance loan is simply a short-term loan that provides you with quick cash when you’re in a bind. You borrow an amount you can quickly repay with your next paycheck, or on the day you get money from any source, we’re not picky.

Depending on your affordability, lenders at Viva Payday Loans can give you a cash advance loan from $100 to $5,000. You’ll get competitive interest rates between 5.99% and 35.99%, with repayment periods ranging from 7 and 30 days for small loans to 2 and 24 months for larger ones.

Cash Advance Fee

You can expect total transparency about any cash advance fee from the panel of lenders at Viva Payday Loans. Using Viva Payday Loans services is free, and we’ll not charge you a single cent to connect you to the best cash advance lenders in America.

The lenders we work with have an origination fee that comes off the top when you receive your cash advance loan. Other possible charges can include non-payment fees, lateness fees, or recovery fees, but you can avoid them by adhering to your cash advance agreement terms. Rest assured all our lenders are fully transparent about their expectations when agreeing on terms with you.

Cash Advance Near Me

If you’ve been wondering where you can find a cash advance near me in America, then the answer is Viva Payday Loans! Is there anything closer than your smartphone or laptop?

Through the Viva Payday Loans app or the website, you can easily borrow a cash advance online from wherever you are!

Cash Advance Online

If you’re still looking for storefronts to borrow money when you need quick cash, then you’re behind the curve. The best lenders have joined the digital revolution, and you can now get a cash advance online without leaving the comfort of your home.

Viva Payday Loans offers a quick online application process that connects you to the most suitable lender within minutes. The best part is using our user-friendly platform is free! Say goodbye to tedious processes and try Viva Payday Loans for a quick cash advance online from anywhere in the US.

Instant Cash Advance

Did we mention you can get an instant cash advance on the same day you apply? Most of the lenders at Viva Payday loans are very swift with their payouts. As long as you meet the requirements, you’re guaranteed fast approvals that get you an instant cash advance when you need it most. You could also apply for a tax refund cash advance emergency loan.

In case of any delays, you’re assured that no payout goes beyond 24 hours after approval.

Cash Advance For Gig Workers

The gig economy is the future of work, with more and more people becoming gig workers in the US during and after the pandemic. Getting a cash advance for gig workers can be difficult as they are considered non-traditional occupations, especially if you approach banks and other traditional lenders.

However, at Viva Payday Loans, you can get a cash advance for gig workers with flexible repayments tailored to your payment time. You can borrow between $100 and $5,000 and quickly repay in weekly, fortnightly, or monthly schedules.

Cash Advance For Social Security Recipients

There’s no reason to think you can’t get a cash advance as a social security recipient. With Viva Payday Loans, you’ll find lenders who are more than willing to offer a cash advance for social security recipients. All they’ll need is to verify your social security payments and prove you can afford to repay, and you’re good to go!

Cash Advance For Bad Credit

At Viva Payday Loans, we believe your past financial hurdles shouldn’t be held against you when you need financial help, and so do our lenders! We work with understanding lenders who can offer you a cash advance for bad credit.

Bad credit is nothing but a hiccup to getting the financing you want and need. All that matters is whether you’re eligible and can afford to repay the requested cash advance.

Cash Advance For Uber Drivers

Uber drivers are some of the pioneers of the gig economy, and as mentioned before, we welcome all American workers regardless of their industry or occupation. At Viva Payday Loans, you can get a cash advance for Uber drivers between $100 and $5000.

Our lenders offer very competitive interest rates between 5.99% and 35.99%, with repayment periods that can be tailored to meet your needs.

Cash Advance For College Students

It can be challenging to find quick financing options as a college student. Getting a student loan every time you need fast cash is improbable. However, you can get a cash advance for college students among lenders at Viva Payday loans. 

A cash advance is a more accessible and quicker option to have money in your pocket instantly. All you’ll need is some form of consistent income like regular aid, allowance from family, or trust proceeds.

Cash Advance For Unemployment Benefits

Many types of government benefits are designed to help unemployed individuals and families in the US achieve self-sufficiency. A financial emergency may often require extra help to get you through to your next benefit payment. That’s where a cash advance for unemployment benefits comes in.

You can get a cash advance of your unemployment benefits at Viva Payday Loans. To ensure affordability, lenders can offer a small cash advance of between $100 and $2,000 for borrowers on unemployment benefits. 

Cash Advance With Credit Card

A cash advance with credit card is one of the fastest ways to get money when you need it. Generally, when you use a credit card, you’re borrowing money. With Viva Payday Loans, you’ll get lenders who issue credit cards where you can get a cash advance limited to a percentage of your credit limit.

This ensures the cash advance with credit card remains affordable, and the more or faster you repay, the higher the limit.

Cash Advance Without Credit Card

If you’re not interested in using a credit card, you still have options. At Viva Payday Loans, we work with specialist lenders who can offer you a cash advance without credit card without all the red tape you’d expect to be involved. Getting the cash you need, even though you don’t have a credit card has never been easier. 

Cash Advance Without a Bank Account

What if you need a loan, but don’t have a traditional checking or savings account at the local bank? Does that mean you can’t get a loan? No, it doesn’t. While some lenders prefer their customers to have traditional bank accounts, there are lenders available through our portal that can offer you a cash advance without a bank account.

Cash Advance Without Direct Deposit

Getting a cash advance without direct deposit is probably something you’ve been searching for. The good news is that some of the lenders on our panel can provide you with a cash advance without direct deposit.

Thanks to advancements in money solutions like cash apps, debit cards, and apple cards, it all comes down to convenience and what you prefer.

Cash Advance With Cash App

Cash App is simply an app for sending and receiving money in the US and is an excellent option for short-term loans. You can get a cash advance with cash app from lenders at Viva Payday Loans if you don’t want to use a credit card, a bank, or a savings account.

You’ll be charged a flat fee of 5% on the cash advance, and you must pay back within a month or on your next payday.

Cash Advance With Debit Card

Lenders also offer a cash advance with debit card. This is suitable for unbanked individuals without a savings or checking account. Unlike most lenders who require a bank account and statements, Viva Payday Loans connects you to lenders who readily offer a cash advance with  debit card.

Complete the simple online application, and once you’re approved, the cash advance is deposited directly into your debit card. The process is almost instant, and you’ll be swiping and spending the cash on what you need in no time.

Cash Advance With No Credit Check

If you don’t want lenders poking into your credit history, then a cash advance with no credit check is an ideal option. We can connect you to lenders who can offer a cash advance with no credit check at Viva Payday Loans at no cost to you. 

Such cash advances are designed for everyday Americans with no credit history or a not-so-perfect credit score. They usually range from $100 to $2,000, but some lenders can offer up to $5,000 if you can afford it.

Cash Advance With Apple Card

If you regularly use the Apple Pay payment system, you know how lucrative the Apple Card can be together with seamless processes. Lenders at Viva Payday Loans aim to give you the ultimate convenience, and you can quickly get a cash advance with Apple card.

The process is similar to the Viva Payday Loans app, and you only input your information and get various approved cash advance offers from lenders. Through Viva Payday Loans, you can borrow between $100 and $5,000 from lenders with competitive rates from 5.99% to 35.99%.

Features of an Instant Cash Advance

When you apply for a cash advance through our online broker site, you will notice that the loans we can arrange all share the following features:

Cash Advance Loan Repayment Options

When applying for a cash advance through Viva Payday Loans, you will be asked to share information on your employment, including your salary amount and pay dates. Lenders aim to receive loan repayments on your payday, and this is done via a direct debit drawn against your bank account. As part of the repayment options extended to you, you will be able to choose between bi-weekly, weekly, and monthly repayments. You will need to share your banking details with the lender so that they can set up the automatic direct debit. This ensures that you never miss a payment and suffer the consequences (some lenders charge a penalty for late payments).

Repayment Terms

The term of the loan is how long you have to repay the borrowed amount. If you are applying for a cash advance, you can expect to repay it over 7 to 30 days. If you apply for a small cash loan that’s paid back over a longer period, the options include 2 to 24-month terms. Repayment terms are usually worked out according to your unique financial situation and affordability.

Cash Advance Fee – Cost of the Loan

The repayments on your cash advance aren’t the only costs you have to think about. The fees that a lender charges you are controlled by the Consumer Financial Protection Bureau (CFPB). First and foremost, you will pay interest on your loan, which is a percentage of the total loan principal. In addition to the interest, you will be charged a service fee on your cash advance online, which is usually between $10 and $30. Most lenders try to remain competitive by charging around $15 and adjusting their interest rates down too. There may be unexpected costs involved in your loan contract, so it is important to chat with your lender about possible hidden fees. These include early settlement/payment, late payment, and collection fees should you default on your loan and a debt collector has to be involved.

Generous Yet Affordable Cash Advance Loan Amounts

Each lender that we can connect you with offers generous loan amounts without making it ill-affordable. When you borrow money online through, you can expect to be presented with loans ranging from $100 to $5,000. How much you are allowed to borrow will depend on your credit score, your employment status, income vs. debt, and the laws of the state you live in. The higher your credit score, the more you will be able to borrow and the lower the interest rate attached.

Credible and Reputable Cash Advance Lenders

Two things we value at Viva Payday Loans are transparency and ethical lending. For this reason, we work with a panel of reputable lenders in the industry that are transparent about their loan models and fees. The small cash advance lenders also make their contact details readily available to their borrowers and furnish clients with a loan agreement detailing all the contract’s terms and agreements. If you’re unsure about a lender, look them up and read their online reviews. When working through a broker site like Viva Payday Loans, you have the peace of mind that all of the offers extended to you come from credible lenders, and you won’t get caught up in a scam.

Cash Advance Speedy Payout

Being short of cash can be a stressful experience. Personal loans and cash advance loans available online are designed to cater to those need-cash-in-a-hurry moments. The entire process on our website from start to finish is designed to be as quick as possible. The application form takes a few minutes to complete, and you will receive feedback on your approval within just two minutes. Payouts are usually made on the same day, although we promise a 24-hour payout.

Examples of a Cash Advance Near Me

Here’s what to expect when you apply for a loan via Viva Payday Loans.

Lender Interest APR Loan Amount Payout
Avant 9.95% to 35.99% $2,000 to $35,000 24 hours
Rise Credit 50- 299% $500 – $5,000 24 hours
LendUp 30 – 180% $100 – $500 24 hours

These figures are correct examples at the time of publishing but can change at any time.

Advantages & Disadvantages of a Cash Advance Online

When applying for a cash advance online, you will face advantages and disadvantages as follows.

Advantages of a Cash Advance Online

A Customized Repayment Schedule

You won’t be expected to fit in with a one-size-fits-all repayment schedule for quick cash advance. Instead, the lender will consult with you to determine when it’s best and easiest for you to pay. If you get paid weekly, bi-weekly, fortnightly, or monthly, most lenders will help you set repayment dates that suit your income.

Application Takes Just a Few Minutes

If you’ve got a few minutes to spare, that’s all it will take to apply for the no credit check cash advance loans available through Viva Payday Loans.  The online application form takes around five minutes to fill out, and the subsequent approval period takes just two minutes more.

Instant Cash Advance – Speedy Cash in Your Account

We don’t call it instant cash advance for no reason! The lenders we connect you with will have the money paid into your account within 24 hours of approval.

No Collateral Required for Unsecured Cash Advance Loans

Unsecured cash advance loans make for great small cash advances and require no collateral for approval. These loans are sometimes called signature cash advance loans, and if you’re approved, you get the cash you need without having to risk the loss of your assets. While these cash advance loans come with a higher interest rate than secured cash advance loans, they’re just as easy to receive.

Cash Advance for Bad Credit Borrowers are Welcome

Making a few financial faux pas in your past doesn’t mean you have to suffer forever. You can apply for a cash advance for bad credit specifically aimed at people with poor credit or no credit at all. These cash advance loans for bad credit are usually small, with short repayment terms and interest rates between 5.99% and 35.99%. Bad credit cash advance loans range from $200 to $5,000.

Disadvantages of a Cash Advance Online

Expensive Form of Borrowing

The convenience and no credit check nature of a cash advance come at a price. On loan terms of between 2 and 24 months, most lenders expect an interest rate of 5.99% to 35.99%. That said, if you’re opting for a very small cash advance loan, the interest APR can be as high as 400% as it’s repaid over 7 to 30 days.

Eligibility Criteria When Applying for Cash Advance Loans Near Me

Whether you apply for a cash advance online or via various payday loan apps, you will need to meet certain criteria. These are listed below:

  • 18 years or older
  • US citizen or permanent resident
  • Valid Social Security Number
  • Reside in a state where payday loans are allowed
  • Proof of US residential address
  • Active checking account
  • Proof of regular income ($1,000 per month)
  • List of your monthly expenses

How to Get a Cash Advance Loan at Viva Payday Loans

Applying for short term loans, personal loans, and cash advances at is easier than you think. Follow the simple steps below.

Step 1: Gather Supporting Documentation

An online form will capture your basic details, but all of your information must be investigated and verified before a lender will pay out your loan amount. Supporting documents can help you prove your loan-worthiness. Make sure that you have your ID handy along with your proof of address and at least three months’ bank statements and pay stubs.

Step 2: Fill in the Online Application Form

Click “Apply Now” on the top right of your screen and fill in the application form. You will need to input the loan amount and term you want. Be cautious of overshooting the loan amount. The lower the loan, the more chance you have of receiving approval. Once all your details are captured (be as honest and accurate as possible), hit the “Submit” button and wait around two minutes for a response. If you’re approved, and a lender can provide you with a cash advance, you will be transferred directly to the lender to complete the process. If your application is rejected, you will be notified promptly so that you can source the cash from somewhere else.

Step 3: Receive Your Agreement & Your Cash

The lender will waste no time presenting you with a loan offer and agreement detailing the amount they can give you, the expected terms and payment schedule, and terms and conditions. Read through everything and sign the agreement. Once the lender gets the agreement back, they will activate the loan and send the money straight into your bank account within 24 hours.


Is a Cash Advance Bad for My Credit Score?

No, getting a payday advance is not bad for your credit score if you pay it as per the agreed terms. If you default on your loan, that could have a negative impact on your credit score.

What is Easier to Get; a Secured Cash Advance Loan or an Unsecured Cash Advance Loan?

If you are looking for easy cash advance loans, then a secured cash advance loan is the right choice for you. Secured loans require collateral to reduce the risk to the lender, but as a result, they’re easier to get approval for. You will need to put up your vehicle, property, or other high-value assets to secure the loan. An unsecured cash advance loan requires no collateral, but you will need to have a higher credit score and prove that you can afford the loan.

Is a Same Day Cash Advance Available to People with Very Poor Credit Scores?

Opting for a bad credit cash advance will improve your chances of approval. These loans are designed for those who have a less than stellar credit score. Your credit score will be less important to the lender than your income vs. expenses.

Are Small Cash Advances Available to Freelancers?

Yes, they are. When you apply for a small cash advance loan through Viva Payday Loans, you don’t need to have a traditional job and supporting pay stubs. If you earn the minimum income of $1,000 per month and can afford the loan through other means, you are still eligible for a small cash advance loan.  You can prove your regular income with bank statements, tax returns, and statements showing payments to you. Some freelancing platforms can even provide you with a statement of earnings.

Are Cash Advances Available to Bankrupt Individuals?

Once your bankruptcy is finalized, which usually takes four years, you can apply for a loan. Unfortunately, you are not permitted to apply for any easy cash advance loans without official court approval during bankruptcy.

I am Visiting the USA for a While. Can I Apply for a Cash Advance to Help Fund My Stay?

No, you cannot. The same day cash advance deals available through Viva Payday Loans are only available to US citizens and registered permanent US residents. You must have an American Social Security Number to apply.

How Can I Increase My Chances of Getting a Cash Advance?

Yes, you can. First and foremost, a good credit score will increase your chances of a cash advance approval. If you have a bad credit score, don’t worry, all hope is not lost. To increase your chances of approval, try to reduce your monthly expenses so that your affordability assessment produces suitable results. Also, ensuring that you meet all the eligibility criteria and have all the required supporting documents to prove it will help you. Earning at least $1,000 per month is important. If you have any form of additional income, make sure that you mention it in your loan application.

Can I Get a Cash Advance Loan Anywhere in the US?

Unfortunately, not. Some states have entirely banned cash advances. These states include West Virginia, Vermont, Pennsylvania, Massachusetts, Maryland, and Connecticut.

Why Was My Cash Advance Application Rejected?

If your cash advance loans application was denied, there are several possible reasons why. First and foremost, you might have a very bad credit score. Other reasons include an unfavourable debt-to-income ratio, insufficient monthly income, and not meeting the eligibility requirements.

Will I be Denied a Cash Advance Loan if I Can’t Get Approved for Traditional Bank Loans?

No, this is not necessarily the case. A fast cash advance is nothing like a traditional bank loan. Payday advance loans are designed to be quick and easy to qualify for. If you have a regular income, have a suitable debt-to-income ratio, and meet the general requirements, you will most likely qualify for a payday or cash advance loan.