Skip the brokers — borrow direct
From emergency cash to short-term payday loans, connect with direct lenders — no brokers, all credit types welcome.
We've made it easy to request, connect, and get funded — all in just a few clicks.
Our fast, and secure online form can be completed in just 2 minutes.
Our lenders consider all credit score ratings, from no rating to excellent!
Select your lender and receive your funds as soon as the same day, if approved by a lender.
Viva Payday Loans connects you with payday loan direct lenders so you deal with the source — not a middleman. Every credit type is welcome.
| Loan Amount | Term | APR | Estimated Fee* | Monthly Payment | Total of Payments |
|---|---|---|---|---|---|
| $500 | 6 months | 24.99% | $25 | $89 | $534 |
| $1,000 | 12 months | 18.23% | $80 | $92 | $1,104 |
| $2,500 | 18 months | 26.99% | $200 | $167 | $3,006 |
| $5,000 | 24 months | 35.99% | $400 | $295 | $7,080 |
* "Estimated Fee" reflects a representative origination or arrangement fee where applicable. Not all lenders charge fees. These examples are for illustration only and may not reflect your offer. Availability varies by state. Late or missed payments may incur additional costs.
A payday loans direct lender is a lending institution that issues funds directly to you — without a broker, intermediary, or extra middle step. When you borrow from a direct lender, you deal with the same company from application through repayment.
Going direct can mean clearer offers, fewer handoffs, and faster decisions. Payday loan direct lenders typically review income, employment, and repayment ability — not only your credit score — so more credit types can still receive offers.
Viva Payday Loans connects you to a network of direct lenders. Submit one form, compare offers, and choose what works for you — with no obligation and no upfront cost to use our service.
Going direct means faster decisions, clearer terms, and a simpler experience. Here's what sets payday loans direct lenders apart:
Direct lenders don't charge referral or broker fees. What you see in your offer is what you get.
No middleman means no delays. Direct lenders can often respond within minutes of your application.
Payday loan direct lenders look at your full financial picture — not just your FICO score.
Once approved, funds can be deposited directly to your bank account as fast as today.
Direct lenders must disclose full loan terms, APR, and fees upfront before you sign anything.
One 2-minute form. No repeat applications, no chasing multiple lenders separately.
Find clear answers about borrowing direct, credit checks, funding speed, and loan amounts.
Get StartedCompare payday loans from direct lenders in minutes. Free to request — no obligation.
