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Viva Payday Loans > Instant Cash Loans Wired In 1 Hour Quick Approval

Instant Cash Loans Wired In 1 Hour Quick Approval

Some months it’s hard to keep up if you don’t borrow money. It may feel like you’re working your hardest and doing what you can to make ends meet but then an unexpected expense or an emergency crops up, and your finances are thrown into disarray.

Perhaps the fridge decides to stop refrigerating or your kid gets home from school excitedly waving a permission slip around for a paid field trip you just haven’t had time (or the prior knowledge) to plan for. Cars break down, appliances malfunction, partners’ birthdays sneak up on us and somewhere in the middle of it all, we find ourselves in need of new clothes, a dental appointment or a family vacation. Life’s a beautiful journey and that journey costs!

When you’re struggling to make ends meet because a few unexpected or emergency expenses have barged into your life, what do you do? Cash loans come to mind, but who would give you one? The traditional bank loan seems aimed at people who don’t need to borrow money and when it comes to asking family and friends for money, well, that’s just awkward. Sometimes the only solution is to find a lender who offers emergency cash loans that are quickly approved and paid out in a hurry. Of course there of plenty of lenders to choose from and the process of contacting each one can become expensive, time-consuming, and disappointing. At Viva Payday Loans, we take the hassle and guesswork out of the process for you. We provide you with access to a panel of some of the best cash loans providers in the US by filling out just one application form. Before we get the process started, let’s see if a cash loan is the financial pr0duct you need.

What Are Cash Loans and How Do They Work?

Cash loans are convenient, short-term solutions for when you need to borrow cash in a hurry. They’re a form of alternative financial service where you can get fast money to cover emergency situations, unexpected expenses or get you through a rough patch. Cash loans are usually unsecured loans with a short repayment period, but they can also be secured. They’re also called ‘cash advance loans’ or ‘payday loans’ because it’s usually an advance of a portion of your next paycheck. The duration of the loan will often match your payday schedule.

Cash loans come in various forms. You might hear them referred to as ‘fast cash loans,’ ‘instant cash loans no credit check,’ ‘speedy cash loans,’ ‘1 hour direct deposit loans in minutes’, or ‘instant cash loans,’ because cash loans feature fast approval and quick funding. Regardless of what you call them, quick cash loans all offer the same thing: total convenience.

Many lenders today offer cash loans online within the same day. You apply online, sign an agreement with the lender and receive a 1 hour direct deposit loans in minutes into your account within hours. Generally, lenders will base the loan principal on a percentage of your short-term income and local state regulations.

Unlike traditional loans, you don’t need a good credit score or collateral to get cash loans. Think of them as cash loans for bad credit because, generally, credit scores or credit reports are not part of the loan process. You can get a cash loan even if you have a poor credit score. All you need is a bank account, verification or proof of income from a job or some other source, valid identification, and an ID that proves you are 18 years or older.

Cash loans usually involve small amounts with terms that average between 2 to 24 months. Most states have usury laws that protect consumers and limit the interest you’ll be charged for cash loans.  The current rate ranges between 5% and 36% and is usually influenced by factors like creditworthiness and income. All lenders want to work with people with excellent or good credit scores, and you’ll likely get favourable terms if your credit score is in good standing. At Viva Payday Loans, you can get cash loans of between $100-$5,000 paid over 2 to 24 months with an interest rate of 5.99 to 35.99%.

Remember not to overlook the costs of cash loans since different lenders offer different terms and charges. The federal Truth In Lending Act requires lenders to disclose their finance charges to you and the actual cost of a cash loan before entering into a loan agreement. The costs must be disclosed both in terms of the fee charged and the annual percentage rate (APR) to make it easy for you to compare prices between lenders and other types of borrowing.

Although cash loans will comparatively cost more than traditional loans, they’re an excellent option if you have an emergency need for money and limited resources for getting it. It’s especially true if you have a solid, clear, and reasonable plan for paying back the money within a short period.

Types of Cash Loans

At Viva Payday Loans, we have various types of cash loans available. Here’s what you need to know:

Cash Advance Loans

Cash advance loans are convenient for those who need cash in a hurry e.g cash advances for gig workers. Whether you need to pay for an emergency or just need bridging cash to get you to your next payday, cash advance loans can save the day. Applying online is quick and easy – you will receive a decision within just two minutes.

Quick Cash Loans

What could be quicker than applying for a loan online, receiving an outcome within two minutes, and the money in your account within just one hour from approval? Viva Payday Loans offer quick cash loans that are exactly that: quick! Simply apply online, and when your application is approved, you can expect to receive the money in your account in as little as just one hour – or at the very longest, 24 hours.

Speedy Cash Loans

Banks and other financial institutions can take days or even weeks to consider and approve a loan. That’s not beneficial to someone who needs cash in a hurry. But, if you need cash now and don’t have time to wait, our speedy cash loans are just what you need. Take just a few moments to fill out the online form, wait two minutes to find out if a lender can assist, and as soon as all your document is provided and verified, you’re eligible to receive your cash payout on the very same day. Now, that’s speedy!

Same Day Cash Loans

If you’re low on cash and an unexpected expense or an emergency crops up, what do you do? Do you enter the murky waters of borrowing money from family and friends? Do you approach the local bank that may turn you down because of shaky credit history? Our same day cash loans offer everyone equal opportunity to get the cash they need, even if you have a poor credit score. Apply for Viva Payday Loans cash in 1 hour no credit checks online today, and get the cash you need today.

Cash Loans Wired in 1 Hour

Got an expense or debt you need to pay today? That can be a little stressful, especially if you have a poor credit history and no one with spare cash to approach for help! Don’t worry; at Viva Payday Loans, the lenders on our panel are known to offer cash loans wired in 1 hour at affordable interest rates. Why wait for the cash you need when you can get it. Now? Fill out the quick and easy online application form today.

Instant Cash Loans No Credit Check

What if getting the cash you need will only take a few hours? At Viva Payday Loans, our instant cash loans no credit check are designed with you in mind. Our lenders understand the nature of financial emergencies and so design their loan packages to cater to that. Our instant cash loans payout within 60 minutes of approval, and you can expect to pay 5.99% to 35.99% interest.

Cash Loans Wired in 1 Hour Near Me

If you’re on the hunt for cash loans near me, you’ve come to the right place. Here, you will find a variety of loans from some of the USA’s leading short-term lenders. Our panel of lenders has a reputation for approving loans of between $100 and $5,000 with up to 12 months to pay.

Cash Loans Bad Credit

When it comes to finding cash loans bad credit, and cash loans for poor credit, it can be tough. Not many financial institutions want to take on the risk. At Viva Payday Loans, we believe in second chances. Many of the lenders on our panel are willing to overlook your credit score if you can prove that the loan you’re requesting is affordable to you (income vs. expenses assessment) and that you’re earning sufficient regular monthly income.

Cash In 1 Hour No Credit Checks

Are you looking to get Cash in 1 hour no credit checks? Our cash loans online are the epitome of fast! The Viva Payday Loans online application will take just a few moments to complete. The approval waiting period is a mere two minutes, and if you’re approved, you’ll get the cash you need in as little as just one hour.

Cash Loan Instant Funding to Debit Card

Cash loan instant funding to debit card aren’t what they used to be. In the past, the application process was lengthy, you’d have to show up at a lender’s office in person, and there’d be spans of paperwork and proverbial “red tape.” Nowadays, cash loans are quick and easy to apply for online. You don’t even need to leave the comfort of your home or office. Apply for cash loans today with our quick and easy online application form.

Cash Loans Las Vegas

Are you tired of struggling to find quality lenders of cash loans Las Vegas? Finding the right lender can be a hack, but at Viva Payday Loans, we put our clients in direct contact with lenders most likely to approve their loans. We take the guesswork out of cash loans Las Vegas!

Cash Loans Direct

When applying for cash loans with Viva Payday Loans, we don’t act as a middle man. Instead, we put you in direct contact with lenders willing to service your loan request. That means our service is free to you! Simply apply for cash loans direct with us today, and we’ll do the legwork for you, absolutely free.

Cash Loans USA

When last did you find same day cash loans USA that offer a quick turnaround on applications and payouts as well as interest rates ranging from just 5.99% to 35.99%? At Viva Payday Loans, we simply the loans process, bringing simple cash loans USA solutions directly to you. Best of all, our service is free to you.

Cash Loans for Unemployed

Cash loans for unemployed individuals and getting cash loans with no job are a rarity, but not when you apply through Viva Payday Loans. We have a panel of lenders ready to service your loan, even if you’re not traditionally employed. If you can prove you receive regular income by other means and meet the other minimum requirements, you’re eligible for an unemployed loan.

Cash Loans for Students

Being a student can be challenging. Your work hours are limited, you spend a large portion of your time studying, and you still have to pay for things just like everybody else. Cash loans for students make it possible for borrowers who receive an allowance or other form of regular monthly income to apply for a loan and get the cash they need in a hurry. When cash emergencies strike, know that there’s a student cash loan waiting for you.

Cash Loans for Veterans

As a veteran, you may feel that there aren’t many options available to you when you find yourself in a financial pickle. With Viva Payday Loans, you can apply for cash loans for veterans, and we will connect you with quality lenders willing to approve your loan request. With reasonable interest rates and loans of $100 to $5,000 available, you can find all the financial aid you need right here at Viva Payday Loans.

Cash Loans With No Credit Check

Credit checks can be nerve-wracking, especially if you have a rocky financial past and your credit score reflects that. At Viva Payday Loans, we have a panel of lenders offering cash loans no credit check. Why? Because they place more emphasis on your current financial status than the past. You have to show that you earn a suitable monthly income and can afford the monthly installments. That’s it! If you’re looking for cash loans with no credit, apply online today.

Cash Loans Without Proof of Income

If you don’t have a traditional job, you may have no proof of income, resulting in many rejected loan applications. At Viva Payday Loans, we connect borrowers with lenders who offer cash loans without proof of income.  Loan amounts range from $100 to $5,000 with interest rates between 5.99% and 35.99%. Apply online to see if you’re eligible today.

Cash Loans Without Bank Account

Not every American has a bank account. Perhaps you’ve been trying to avoid the fees, or you’ve been bankrupt before. Whatever the case may be, cash loans without bank account are typically hard to get. At Viva Payday Loans, we work with lenders most likely to approve applications from borrowers without a bank account. Applying for cash loans without bank account takes just a few minutes, and you will receive an outcome in just 2 minutes.

Cash Loans with Monthly Payments

If you’re looking for a loan amount between $100 and $5,000 and want up to 12 months to pay, you’re in for a treat! At Viva Payday Loans, we can connect you with lenders offering cash loans with monthly payments. The installments are easy to afford, and you can expect an interest rate ranging from 5.99% to 35.99%. Apply online in just a few minutes today.

Cash Loans With Good Credit

If you’ve got a good credit score, there’s an exceptional loan deal available with your name on it! The lenders on our panel at Viva Payday Loans offer affordable interest rates, attractive terms, and larger loan amounts to individuals with good credit. Applying for cash loans with good credit takes just a few moments. You will receive approval within 2 minutes and the cash in your account on the very same day.

Features of Cash Loans

All cash loans at Viva Payday Loans share the following features:

Repayment Schedules

Repayment schedules for cash loans are usually set on the day you receive your income or are paid. You should note that some states limit the minimum and maximum duration of a loan according to their regulations. Cash loans can be repaid before the due date, and in case you miss a payment or default, the lender can get your account credited.  It’s wise to read through the entire agreement, terms, and payment schedule. This ensures you’re aware of the amount and frequency of repayments you’ll be required to make so you can gauge your ability to pay. Ensure you only take out a cash loan you can afford.

Loan Terms

All cash loans have their own shortlist of requirements that you have to fulfill as a borrower. The requirements are usually minimal compared to the hassle and paperwork involved in getting a regular loan from a bank. It’s much easier to apply and get approved for cash loans since most of them don’t require a good credit rating as a condition to get approved. However, you’ll find that different lenders have different requirements. They all have their own terms and policies. Depending on whether you meet them, the interest rate can be adjusted according to your risk level. Most requirements are generally not a problem for a borrower to fulfill.

Fees Charged

The fees charged on cash loans in the US are controlled by the Consumer Financial Protection Bureau (CFPB). It’s a US government agency that ensures lenders, banks, and other financial institutions treat you fairly. Most cash loans will charge a percentage of the amount you borrow in interest. Depending on your state’s law and the maximum amount you’re allowed to borrow, the fee amount can range from $10 to $30, and a fee of $15 is standard. You can ask for a rollover if you’re unable to pay on the due date, and it’s permitted by state law.  You’ll only need to pay the unpaid fees, and the due date of your loan will be extended. You’ll then be charged another fee plus the original balance.

Many lenders charge the maximum fee allowed, but if you take your time and compare options, you’ll find some with reduced rates and attractive packages. Always make your choice based on affordability and read the agreement before you sign to ensure you’re not caught off-guard by charges and additional fees. Some lenders can charge fees for late or early payments, so look for lenders who will not penalize you when you’re trying to end your contract early or miss a payment by mistake.

Loan Amounts

Depending on the lender, cash loans can range from $100 t0 $5,000 at Viva Payday Loans. Your credit score, employment history, state laws, and your income to debt ratio will all play a role in determining the amount you can qualify for. Borrowers with high credit scores often qualify for higher loan amounts, and lenders won’t consider you as an increased risk. The amount you earn each month is also critical in determining the amount you can borrow. Lenders look at your debt to income (DTI) ratio to determine how your budget will look once you add a monthly payment into the mix. The DTI is calculated by adding all your fixed monthly payments, including rent or mortgage, auto loans, personal loans, and credit cards.

It’s generally good to have a DTI below 36%. The maximum acceptable DTI will vary among lenders. It’s recommended that you keep it as low as possible to qualify for larger loans. It’s also wise to only take out the loan amount that you need to avoid higher interest rates and longer-term payments that will interfere with your cash flow.

Lenders Reputation

Fueled by the economic fallout of Covid 19, there has been a rise in scam loans and lenders in the US. Bad lenders have always been around. Although their tactics may evolve over time, some common sense and a keen eye will enable you to spot them pretty quickly. As a borrower, you’re responsible for due diligence before applying for a cash loan or signing an agreement with a lender. You should ensure the lender you’re dealing with has a good reputation in the industry and a valid credit license in your state. Complete transparency is one of the characteristics of a reputable lender.

Stay wary of lenders who don’t disclose all the details or have contact information on their website. Always ensure you get into contracts with trustworthy lenders. Check their online footprint and reviews from past and existing clients to see any valid concerns or complaints.

Funding Time

Many borrowers choose cash loans because they’re easy and quick to obtain. The disbursement time for many cash loans is usually short as the lenders are aware of the urgency of seeking a cash loan. Most lenders will try to approve and release the funds within hours of your application, and some may take up to 24 hours to disburse the funds into your account. When applying for cash loans, you should do it as early as possible and on official working days. Different lenders have specific cut-off times for accepting applications and agreements from borrowers. If you’re approved and sign and send back the contract within the required timeframe, then a same-day payout is possible. Choose a lender that promises a quick turnaround time for payouts if you need the cash in a hurry.

Examples of Cash Loans

Lender APR Loan Amount Min Credit Score Funding Time
LendUp 30.00 – 180.00% $100 – $500 None 24 hours
OppLoans 99% – 160% $500 – $4,000 Not Specified 24 hours
CashNetUSA 89% – 449% $300 – $3,500 Not Specified 7 business days
MyPaydayLoan 782.15% $200-$1,000 None Same Day
ACE Cash Express 399% $200 – $2000 Not Specified Same Day
Avant 9.95% to 35.99% $2,000 to $35,000 580 24 hours
Rise Credit 50.00 – 299.00% $500 – $5,000 None 24 hours

Advantages and Disadvantages of Cash Loans

Advantages

Quick Cash Access

Most cash loans are made available 24 hours after approval, unlike traditional long-term loans that feature lengthy application and approval processes. Cash loans are an excellent choice if you have an emergency that can’t wait, such as tooth extraction or a leaky roof. Using Vivapayday loans will save you a lot of time with loans that get funded within an hour and take less than 5 minutes to apply.

Quick Application and Approval

Almost all cash loan lenders have online application processes and prequalification that will take you only a few minutes. You can quickly check the rates and whether you meet the minimum requirements even before you apply. Applications are shorter because you only fill out an online form and don’t have to prove ownership of an asset or its value. You get quick approval and feedback online.

No Collateral

Most cash loans are unsecured, meaning you don’t have to provide any security against the loan. Lenders will only require your signature and a promise to pay as collateral, and some may or may not consider your credit score.

Bad Credit Loans Available

You’ll qualify for a cash loan from different lenders with poor credit. The lender will primarily consider your ability to repay or income level and the basic requirements like age and citizenship.  However, the lending rates will be higher than for a person with a good credit rating.

Flexibility

You can use a cash loan for a wide range of uses with no restrictions from the lender. A loan like a mortgage will only be used for your home, while an auto loan will only apply to your vehicle. A cash loan gives you the freedom to use the funds on anything you like. However, you should only take out cash loans when you’re in a financial emergency and have no other funds to fall back on.  They’re suitable for emergencies, paying school fees, medical bills, home renovations, purchase furniture, or even appliances.

Simple Qualification Requirements

Most consumers can meet the requirements for getting approved for a cash loan. Many lenders ask for minimal documentation that includes your ID, bank account, and income verification.

Secure and Convenient

Funds are transferred directly into your account once your lender approves the loan. This can be on the same day or the next business day at most. It’s recommended that you ask your lender about their disbursement time and policies before signing the agreement to avoid long wait times in an emergency. Information privacy laws also prohibit lenders from sharing any of your personal information with third parties, so you don’t have to worry about privacy.

Qualify for Larger Amounts After Repayment

Cash loan providers will often limit the amount they can give you for your first application as a risk reduction strategy. Most lenders approve loans within their lending policy range and your income level. Once you pay your first loan in full and on time, the lender can increase the authorized amount on the following application. State regulations limit the amount of cash a lender can loan to you. Ensure you go through the conditions and limits of your loan with your lender before committing.

They Protect Your Credit Score

Lenders rarely run any hard credit checks to approve cash loans. Every time more than one lender does a hard pull or credit check on your credit, your score goes down by a few points. Multiple hard inquiries can be disastrous for your credit score. Most issuers and lenders will consider you a high-risk borrower. With cash loans, you can protect and even improve your credit score to achieve long-term financial goals especially if you apply for a no credit check loan.

Disadvantages of 1 Hour Loans

Expensive

The convenience of getting the cash you need when you need it without collateral often comes with high-interest rates and fees attached. These can include administration fees, processing fees, or establishment fees. Late payment and prepayment penalties can also apply, so you should review all the costs and possible penalties before applying. Some lenders waive such fees, so shop around to find the best deals!

Easy Money Can Lead to Misused Funds

Cash loans require discipline in terms of use and payment. With easy access to emergency cash, it’s not hard to misuse the funds and get tempted to buy unnecessary things or give yourself undeserved rewards. You also have to ensure you pay back on time to avoid high fees and penalties. Resist the temptation to take out more than one cash loan, as this only compounds your debt, makes it harder to repay, and leaves you with little or nothing at the end of the month.

Eligibility Criteria for Cash Loans

Many lenders will only require that you:

  • Be at least 18 years old.
  • Have US citizenship, permanent residency, a valid Social Security number, or a long-term visa. Some lenders can consider non-citizens with eligible cosigners.
  • Be living in a state where the lender operates. Lenders don’t operate in all states, and they’ll offer different amounts, rates, and terms depending on the jurisdiction.
  • Have a permanent address. Some may ask for proof of residential address.
  • Have an active checking account.
  • Have a valid government-issued identification.
  • Provide some proof of regular income.

Application Process for Cash Loans Wired in 1 Hour

Viva Payday works with different reputable and trustworthy lenders. Applying through us ensures you’re only connected with licensed and trusted lenders. To apply for cash loans wired in 1 hour via VivaPaydayLoans.com, simply follow these steps:

Step 1: Decide on Loan Amount

Evaluate how much you really need and whether or not you can afford to repay it on time. Take some time to consider your income and expenses and decide on the amount you can pay comfortably.  Remember the repayments have to fit within your budget because defaulting can attract high fees and penalties.

Step 2: Prepare Your Documents

Certain documents will be required to show you fulfill the eligibility requirements and enable quick evaluation and processing of your application. Documents you should have on hand when applying at Viva Payday Loans  include;

  • Some form of government-issued ID.
  • Proof of income for the last three months. Can include bank statements or payslips.
  • Bank account details.

Step 3: Complete the Application Form

The online application form at Viva Payday Loans is easy and fast to complete. Simply click on the “Apply Now” button on the top right-hand side of the screen and fill out the online form in a few minutes. You’ll only be required to provide your personal details, including your full name, email address, zip code, the amount you need, and the repayment period. Then, click the “Next” button.

Step 4: Qualify

After choosing the amount you need and filling out the online form, you’ll need to provide additional information that includes your employment status, financial details, and monthly expenditure. This will enable us to see whether you qualify for the loan. All information you give us remains strictly confidential and will never be shared outside Viva Payday Loans and your lender.

Step 5: Let Us Find Your Lender

After receiving your information, the Viva Payday Loans team will search the market for the ideal lender for you. This should take only a few minutes, and you should receive a decision on whether a loan can be provided within 2 minutes. Once one of our lenders accepts your application, you’ll be transferred directly to their site to complete the process. You’ll also get prompt feedback if you’re unsuccessful.

Step 6: Agreement and Disbursement

Once you’re connected to a third-party independent lender, they’ll present you with a loan agreement. Start by reading through the contract to understand the terms and fees and ensure you can afford the loan. If they’re acceptable, simply sign the form and return it, and that’s it! The lender will finalize the documentation and release the funds into your account. You can get the funds within hours on the same day or on the next business day, depending on the lender.

FAQs

What is an APR?

The Annual Percentage Rate (APR) is the annual cost of interest that you’ll be charged for the loan. It’s expressed as a percentage and represents the actual cost of the loan over its term. It includes the fees and any additional charges of the loan.

Will Cash Loans Hurt My Credit?

No. Cash loans wired in 1 hour will only hurt your credit if you default and fail to pay it back. Most cahs loan lenders don’t conduct hard credit checks. In the long run, cash loans can help improve your credit if you pay back diligently on time.

What Should You Do if Your Loan Application is Denied?

Your loan request can be denied for several reasons, including a high DTI or outstanding debts. To improve your chances of succeeding in future applications, ask why you were rejected. Also, pay down debts to improve your score, review the application for mistakes or apply for a smaller amount.

Can I Borrow Money Online From more Than One Lender?

Although it’s possible to borrow from different lenders at the same time, it’s not advisable. The high interest rates will lead to more than one expensive loan, which can be challenging to manage. Always resist the urge to overborrow.

Can I Get an Instant Cash Loan With Poor Credit?

Yes. Different lenders cater specifically to bad credit borrowers. Most cash loans lenders don’t consider your credit rating in approving loans.

Is it Better to Apply Online or at Storefronts for Cash Loans?

Online cash loans offer more convenience and security compared to storefronts. You don’t have to wait in line, and the money is sent directly to your account, eliminating the risk of mugging.

Can I Get a Cash Loans Wired In 1 Hour if I’m Unemployed?

Yes. Even without a formal job, you can still qualify for a cash loan as long as you have a form of income.

When is a Cash Loan Considered Defaulted?

Some lenders will consider you defaulted as soon as you miss a payment.  Others can wait a few months before declaring you defaulted. It’s wise to contact your lender when you know you’ll miss a payment to work out a better schedule.

What Happens if I Default on a Cash Loan?

Once you’ve defaulted, you’ll start accumulating penalty fees that can be very expensive, and your credit score will significantly reduce.

What Are Usury Laws?

These are consumer protection laws in every state that regulate the amount of interest charged on loans by setting caps on the maximum limit allowed.