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Viva Payday Loans > Cash Loans

Cash Loans

There will always be times when a little bit of extra cash can go a long way to resolving a stressful situation. Whether you’re faced with a financial shortfall that quickly needs plugging or an opportunity that’s too good to pass up, borrowers can now access cash in as little as an hour when they need it most.

And the good is that with so many lenders currently operating in the market, there’s never been a better time to borrow cash online at a fantastic interest rate.

Let’s take a closer look at how cash loans work and how you can pick up a great deal from Viva Payday Loans today.

How Do Cash Loans Work?

Unlike loans which are issued by cheque or through the rental of purchase of an asset, cash loans are transferred directly into your bank account for you to spend or withdraw immediately.

It all starts by deciding exactly how much you’ll need to borrow. It’s important to ensure that you don’t borrow more than you need and that you choose a repayment period that keeps your repayments affordable throughout.

Once your loan has been issued, you’ll receive a full breakdown of your credit agreement so that you know exactly how much you’ll need to budget for each month. After your application has been approved, lenders can usually transfer funds to your account inside 24 hours with many able to make same day payments.

What Can Cash Loans Be Used For?

Cash loans are known for their flexibility and can be used for any personal expense once the funds have been transferred to your bank account. You can use cash loans for one major outgoing such as a bill or purchase, or simply use it for an added financial cushion until your finances improve.

Some of the most common uses for cash loans include, but are not limited to:

  • Household repairs
  • Vehicle maintenance
  • Purchases
  • Deposit payments
  • College fees
  • Unexpected bills such as utilities or tax
  • Consolidating other debts

Remember, this list isn’t exhaustive and you’re free to spend your cash loan in any area that you wish!

Can I Get Cash Loans With Bad Credit?

Yes. No matter what your credit circumstances, Viva Payday Loans can help you to compare potential lenders from across the market by searching for specialist cash loans with bad credit.

Just because you’ve had issues getting loans in the past doesn’t mean that every lender will decline your application. In fact, by understanding the cash loans market we can help you find lenders with particularly high acceptance rates for borrowers with poor or no credit history.

There are a number of ways that lenders can make these loans available. Firstly, your credit score isn’t the be all and end all of the decision making process. In fact, you can even find cash loans no credit checks which use assets as collateral or can be approved by using a guarantor with a strong enough credit history.

If you don’t have the assets or a guarantor to qualify for cash loans no credit checks then the lenders will want to see that you’re able to comfortably afford the repayments. Factors like being in full time employment or being a homeowner can help support your loan’s affordability.

The great news is that by taking out and repaying these cash loans on time, you’ll actually improve your credit score ready for future applications. This can help you to get more competitive rates on other loans as well as for other financial products like credit cards and mortgages.

How Can I Apply For Cash Loans?

Once you’ve decided that taking on a cash loan is the right choice for your circumstances, its quick and easy to get the ball rolling on your application. It all starts by getting a personalised comparison right here at Viva Payday Loans.

Simply tell us a little more about you, your financial circumstances and the type of loan you require, and we’ll search our huge panel of lenders on your behalf to present you with some of the most competitive cash loans on the market for your needs.

You’ll be able to quickly compare interest rates, costs and repayment periods, as well as check out all the information you need to make an informed, educated decision on your best way to borrow cash.

It’s then down to you to pass a few extra details over to your chosen lender before receiving an instant online decision. If approved, your lender will transfer your cash loan directly into your personal bank account, leaving you to focus on getting your finances back on track.

Get a free, personalised, no obligation comparison from Viva Payday Loans and find out why so many customers continue to use us to find the best payday loans on the market.