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Viva Payday Loans > Fast Loans – Best Quick Loans in the US

Fast Loans Online – Best Quick Loans in the US

There’s a first time for everything and perhaps this time around is your first time getting your hands on fast cash loans that are truly fast. At Viva Payday Loans, our fast loans payout in minutes, and even if you think you won’t be approved for one, you most likely will be! No matter how carefully you budget and plan, unforeseen costs can sneak up on you, taking you and your finances by complete surprise.  If your current financial situation is leaving you feeling a little perplexed, it’s time to get proactive and start thinking about your loan options.

Whether it’s for the cost of moving, a broken laptop, or a discount offer that you just can’t forgo, we all need quick access to cash without breaking the bank at one time or another- and that’s where fast loans come in. 

At Viva Payday Loans, our online loan finding services give you access to the best fast loans online that are dependable and safe. All you need to do is apply for a quick loan, and our automated system does the rest of the work. We connect our customers with reputable ending companies with the best interest rates. Our lenders are also reputed for user-friendly policies, fast transfer facilities, and other commodities to get a loan from applied-for to paid-out in a matter of minutes.

When you need a quick cash loan right away, you can count on Viva Payday Loans to get it to you at a moment’s notice. Applying is so easy! In just a few minutes, you can fill out our 100% online application form for a fast payday loan. Our loans calculator is there to help you work out how much you can afford to take out and payback. Are you searching for bad credit loans or no credit check loans? We can help you access a vast range of bad credit fast loans when needed.

What Are Fast Loans & How Do They Work?

Consumers looking for fast cash loans companies in the US have a plethora of options from specialized lenders – including bad credit personal loans, unemployed loans, self-employed loans, or benefit loans. Comparing loan quotes is essential as it can help save you a lot of money in the long run. However, comparing loan options is not an easy task, especially when you are in an emergency. So what’s the best loan option for you? Here at Viva Payday Loans, we connect you with small fast loan offers that range from $100 to $5,000 with available term lengths of 2-24 months with some of the finest lenders in the US.

What is a Fast Loan?

Fast loans are short-term loans that allow you to borrow amounts as small as $100 loans. When you apply for a fast loan, you get the cash deposited into your bank account in one shot. Then, you repay it with interest over your chosen period of time in monthly installments. Loans as small as $100 are usually paid back in 30 days.

How does it work at Viva Payday Loans?

With the rise of payday loans apps, it’s never been easier to get a personal loan. To work out your loan, decide how much money you need and pick a monthly payment schedule that suits your budget or pay cycle. Then, simply complete the application process. Once your application is approved, your cash will soon be in your bank account – ready for you to use it any way you want. Remember to make your due payments each month, and everything is good to go!

Many people would love to get small 1 month loans or $100 loans. However, they aren’t sure if they are eligible to apply for one because they aren’t necessarily in an emergency. Here is good news. Fast loans are not reserved only for those in crisis. Be it for a run-down vehicle or a vacation with your loved one, dire needs, or irresistible wants; Viva Payday Loans is there to help you get in touch with lenders most likely to approve and payout your requested same-day fast loans.

Once your application is accepted, you can sign and return the credit agreement that outlines your repayments dates, repayment amounts, interest, and total amount borrowed. Keep this document handy as it is vital to know what affects your credit score. If you have a rough credit history, bad credit fast loans are an excellent opportunity to boost your credit score by repaying your loan timely and thoroughly.

Types of Fast Loans

There are different types of fast loans you can get with a few simple clicks. Here’s what we have to offer:

Fast Loans Online

At Viva Payday Loans, you can access fast loans online through a quick and easy online application process. The entire process from your loan request to approval and funding takes place online!

We work with the best lenders in America to provide fast loans online from $100 to $5,000. You don’t have to look for a storefront or wait long hours to get approved. You get feedback within two minutes when you submit your loan request application form! We’ll connect you with lenders with speedy approvals and payouts to help you get funded on the same day you apply.

Fast Loans For Bad Credit or Poor Credit

Have you ever been denied a loan because of a bad credit score? Worry no more! At Viva Payday Loans, we work with understanding lenders who offer fast loans for bad credit, fast loans with poor credit, and fast loans for fair credit scores. Our lenders treat all borrowers as individuals with no discrimination because of their past financial hurdles.

Our lenders only consider the current facts when approving fast loans for bad credit. These include whether you can afford to repay the requested amount based on your income and monthly expenses. Whether you have a bad, poor, fair, or non-existent credit score, you can still qualify for fast loans online.

Fast Loans With No Job – Loans For Unemployed

Being unemployed doesn’t exclude you from fast loans online. At Viva Payday Loans, we’ll connect you to lenders who offer fast loans with no job and fast loans for unemployed borrowers free of charge.

Even without a traditional job, you can still earn income through alternative sources like self-employment, retirement and pension, social security and disability benefits, child support, trust proceeds, dividends, and many more. You can borrow fast loans with no job from $100 to $5,000 as long as you can prove affordability and show you’re getting at least $1,000 in your account each month.

Fast Loans For Bad Credit Near Me

Imagine having financial options at your fingertips through your phone or computer, even with bad credit. Viva Payday Loans is your best bet for fast loans for bad credit near me. We welcome eligible Americans with all kinds of credit scores and offer the ultimate convenience of borrowing money online from wherever you are in the US.

Simply download our Viva Payday Loans app or use our website to access fast loans for bad credit near me through an easy-to-follow online application process.

Fast Loans For Bad Credit With Monthly Payments

At Viva Payday Loans, we feature short and sweet fast loans online that you can quickly repay and improve your credit score. Once you click on the submit button, we’ll freely match you to lenders who offer fast loans for bad credit with monthly payments that make repaying the loan feel like a breeze.

You can choose a repayment schedule that suits you and get between 2 to 24 months repayment periods.

Fast Loans For 18 Years Old

Our lenders also specialize in advancing fast loans for 18 years old borrowers. It doesn’t matter whether you’re unemployed or have no credit history. All you need to qualify for fast loans online is some kind of income. This can be from regular aid or allowance from family, trust proceeds, part-time payments, or freelancing.

You can access fast loans for 18 years old with flexible repayment periods of weekly, fortnightly, or monthly schedules.

Fast Loans For College Students – Fast Loans For School

Our aim at Viva Payday Loans is to make financial dreams come true for all Americans. You can access fast loans for college students or fast loans for school to help you advance your education, buy books, pay tuition fees, or cover everyday school expenses.

Our fast loans online are a more accessible option to have money in your pocket almost instantly. All you need is a consistent income like family allowance, regular aid, or trust proceeds that you can use to repay the loan.

Fast Loans With Low-Interest Rates

Most of our lenders offer fast loans with low-interest rates between 5.99% and 35.99%. We provide access to a comprehensive panel of reputable lenders who advance loans at the most competitive interest rates in America. Each lender tries to remain competitive and outdo the competition, making it easy to get low-interest rates.

Keep in mind that your affordability and level of risk can influence fast loans with low interest rates.

Fast Loans With Cosigner

You can also access fast loans with a cosigner at Viva Payday Loans. If you’ve found it challenging to get approved for a loan individually, consider approaching a friend or relative to cosign the loan with you. A cosigner makes it easy to access fast loans online because they reduce the risk for the lender.

The cosigner agrees to repay the loan if you default or are unable to make repayments. Therefore, lenders will quickly approve fast loans with a cosigner.

Fast Loans Near Me

At Viva Payday Loans, you’ll find lenders who have joined the digital revolution. You no longer have to go looking for storefronts to access a loan. If you’ve been looking for fast loans near me, simply download the Viva Payday Loans app or use our website to borrow money online from anywhere, anytime in the US.

Borrow fast loans near me between $100 and $5,000 that feature swift application and approval within minutes.

Fast Loans Today – Same Day Approved Within 1 Hour

If you’ve got an urgent financial need or emergency, you can access fast loans today, fast loans same day, or even fast loans within 1 hour at Viva Payday Loans. Thanks to our quick online application process and fast approval, you can have money in your account on the same day you apply!

We’ll match you with lenders who offer fast loans within 1 hour, and it won’t cost you a cent.

Fast Loans Advance

A fast loans advance comes in handy when you need quick cash for an emergency or something to carry you over to your next payday. Lenders at Viva Payday Loans can give you fast loans advancethat you can quickly repay with your next paycheck or income from any source.

You can borrow from $100 to $5,000 and get funded instantly with repayment periods of 2 and 24 months or 7 and 30 days for small advances.

Fast Loans Direct

The last thing you want is to deal with brokers who charge exorbitant fees to connect you to lenders. At Viva Payday Loans, you get fast loans direct from a comprehensive panel of the best lenders in the US. Best of all, we connect you to them directly at no cost.

We get to understand your needs through the easy-to-fill online application form. We then match you with the most suitable lender according to your situation within 2 minutes for fast loans direct.

Fast Loans Without Bank Account

As mentioned before, we welcome all eligible Americans at Viva Payday Loans, even those without bank accounts. If you don’t have a bank, savings, or checking account, you can still get fast loans without a bank account among our lenders.

We’ll connect you to lenders who can fund you through a cash app or a prepaid debit card that you can conveniently use anywhere with a single swipe. Simply choose the amount you can afford between $100 and $5,000 and follow the simple steps to get fast loans without a bank account.

Features of Fast Loans

Fast loans at Viva Payday Loans share the following features:

Loan Amounts of Fast Loans

Viva Payday Loans brings you a pleasant range of payday advances. Our loan amounts are small and affordable, and it comes with a short repayment period! You can receive a loan amount anywhere from $100 – $5000. You can decide on a certain amount when you apply for your loan, and based on the information you provide in your application, the lender will either approve the amount or determine how much they are willing to let you borrow from them.

Repayment Terms

After evaluating your application and their affordability assessment, our lenders will determine how long the loan term will be. Our loan terms cover a range of periods from 2 to 24 months.

Fast Loans Interest Rate

We’re all excited to find the lender with the lowest interest rates, but it’s helpful to keep in mind that lenders determine interest rates depending on the risk, and many remain competitive to the customer’s benefit. For instance, a loan with a higher APR and lower fees can be less expensive for a shorter term than a loan with a lower APR and higher costs. Based on the evaluation of your current financial situation, the APR (Annual Percentage Rate) on your loan may vary anywhere between 5.99% to 35.99%.

Repayment Schedule

You can adjust your repayments according to your ability and pay cycle weekly, biweekly, or monthly. On top of that, many lenders will set up automatic deductions from your account on your payday. This dramatically helps keep things simple and convenient for you, ensuring that you will not miss a due payment.

Fees and Charges of Fast Loans

The lenders we work with at Viva Payday Loans prioritize responsible lending and transparency. However, it’s always crucial on your part to ask any questions you may have about the loan. There is always the possibility of overlooking a fee or charge when signing your contract. To stay safe, make sure that you thoroughly understand the loan agreement before committing to anything.

One typical fee that is attached to most loans is the origination fee when you receive your payment. The origination fee is a fee charged for processing a new loan application. The amount of this fee varies from lender to lender, so it is best to ask about it when you are signing up for a loan.

Look out for any penalty fees for paying off your loan early, making extra payments, or paying off your loan entirely and exiting your loan agreement early.

Rollovers, late fees, and repayment plans can quickly mount up and mess your credit score. Therefore, you should always watch out for any charges when committing to a financial contract. By choosing Viva Payday Loans, you will deal only with lenders who are completely clear and straightforward in their expectations.

Possible fees and charges you need to ask about include:

  • Origination Fee
  • Early exit penalty
  • Late payment penalty
  • Collection fees if the lender has to hire a debt collector to recover funds

Life is always unpredictable, and circumstances arise when you just can’t make payments on time. If you realize that you’re running late, take the initiative and reach out to your lender ahead of time. Many lenders we work with want to help see you through your time of need, excusing late fees if you contact them beforehand. In the worst-case scenario, you could be reported to the credit bureau, which would negatively affect your credit. Communicating honesty and laying out your situation clearly to your lender will significantly aid in your financial success.

Responsible Lending

Nothing could be more important than peace of mind when tieing up yourself in a financial contract with someone. Whenever you look up “Payday Loans Near Me”, make sure that you deal only with ethical and reputable lenders.

How can you tell if you’re dealing with a responsible lender? Responsible lenders are wholly transparent with their terms of service and contact information, which is laid out plainly and unambiguously on their website for all customers.

At Viva Payday Loans, our goal is to help find you the right lender for your particular situation. Although we’ve surveyed and compared financial institutions to empower you to make the best decision, we further recommend that you do your own research as well. Check out customer reviews, look up the lender on FaceBook, and ring them up to see if they are available to answer your questions. The FDIC (Federal Department of Credit) gives you the right to make inquiries without applying for a loan.

Quick Disbursement

We aim to reach out to you as quickly as possible, and our lenders are reputed for speedy disbursements. With Viva Payday Loans, you can expect to receive the outcome for your application in a few minutes. Once your request is approved, you will be able to access your funds right away or on the next business day, depending on the lender and your bank.

Examples of Fast Loans

We collaborate with various fast cash loan lenders in Viva Payday Loans. Take a look at a quick sample of some loans our lenders are offering. Of course, these amounts are just estimates, for costs will vary across different situations.

Lender Loans Loan Term Interest
OppLoans $500-$4,000 9 -18 months Varied
Greenday Online $100 – $5,000 24 months Case by case

Loan costs can vary from person to person as many lenders evaluate borrowers on a case-by-case basis. Therefore, it’s always important that you carefully research your situation whenever you are considering a loan. If you don’t know where to begin, it’s always a good idea to start by checking your credit score. There are various ways you can get a free credit report, including sites such as Equifax, Experian, or Trans Union.

By checking your credit score, you can ensure that no errors or fraudulent activities are on your account. On top of that, you will be able to get information on how you can protect and improve your credit score, along with a lot more financial advice. Improving credit scores can seem challenging, but if you’re determined, focused, and willing to put in the effort, you can turn your bad credit situation around.

Paying down debt, not missing payments, and checking for errors all benefit your credit score. Once you understand where you stand, you can then work to improve it. Take a look at your income and your expenses. Grasp what is coming in and going out of your bank account and calculate if you can afford to borrow money. The last thing you want is to take out a fast loan and not be able to pay it back. So, it’s always wise to run the numbers and make sure it will work out.

Consider available options, such as secured loans, which are tagged with a lower interest. A co-signer, collateral, your debt-to-income ratio, and payday alternative loans are other aspects you would want to consider.

Now, you’ve gained a thorough understanding of your financial situation. You know how much you need, you know how much you can afford to borrow, and when you can pay it back. Now you just need to find someone to give you the money!

And this is where we step in! When shopping for fast cash loans, it’s always best to get your loan request to a few lenders to increase your approval chances. The only problem with that is it’s time-consuming, frustrating, and could show up on your credit score if each lender runs a hard credit check. By applying just once via Viva Payday Loans, your loan request will be sent to lenders who are more likely to assist you, and you won’t have to worry about a credit check. Most of the lenders we work with use affordability assessments to determine if you’re a good loan candidate.

All you have to do is complete a short and simple 100% online application form to apply for a cash loan today!

Advantages and Disadvantages of Fast Loans Online

Advantages of Fast Loans

Fast Loans No Credit Check Application

Applying for a fast cash loan through Viva Payday Loans typically takes only a few minutes. You complete our simple application form from your home, and we send your request to all the best US lenders. No tedious paperwork, no long trips to the bank, and in a matter of minutes your loan will be approved.

Speedy Approval

Once you complete the form and hit the send button, you can expect a response in less than 2 minutes! We don’t waste any time putting you in direct contact with the lender able to assist you. This is quite a speedy alternative to shopping for loans on your own!

Quick Turnaround – Easy Loans

Our lenders promise super-fast easy loans once your application is approved. At Viva Payday Loans, all our loans are accessible within 24 hours. You can expect your funds to be available and ready to use in your account by the next business day.

Disadvantages and Pitfalls of Fast Loans Online

High Interest Rates

One disadvantage that you might face when it comes to cash loans online is high-interest rates. You can expect to pay the interest rate relative to your credit score, how much you wish to borrow, and how long you want to pay it back over.

Conditions For Eligibility

Our fast loan providers at Viva Payday Loans take the time to evaluate each application independently. The lender’s decision will be based on the various information you provide, including your financial history and your ability to repay the loan. As a result, you won’t always get the same decision from lenders.

While some payday lenders focus on customers borrowing larger amounts with an excellent credit history, others specialize in bad credit fast loans.

Although eligibility criteria often differ from lender to lender, there are a few standard qualifications that you might see when applying for fast loans. You must:

  • Be a US citizen or a permanent resident
  • Be at least 18 years old
  • Hold a bank account in your own name where your income is deposited into
  • Be able to provide proof of your ability to repay the amount you borrow

Other additional criteria include credit rating, salary, job, current lifestyle, and expenses. The information you provide to your lender during the application process will be assessed to determine your eligibility for a loan.

Application Process – Apply for a Loan at Vivapaydayloans.com

It’s a simple and easy process to apply for a fast loan at Viva Payday Loans. Follow this simple guideline:

Step 1: Gather Your Supporting Documents

It is crucial to have supporting documents handy to verify the information on your cash advance application. Depending on your financial situation and the lender, you will need to provide some personal information once you submit your application, such as:

  • Official form of ID (driver’s license, ID card, passport)
  • Proof of address (a utility bill or a tax bill)
  • Proof of income (paystubs, tax returns, W-2s and 1099s, bank statements, employer contact information)

Step 2: Fill Out Our Online Application Form

Once you’ve got your documents gathered, click “Apply Now,” and you will see an online application form that you need to complete. Take your time to fill out this application accurately. Avoid making mistakes and overlooking anything as it can result in a declined loan application and may even hurt your credit.

You can pick a loan amount from $100 to $5,000 and a repayment term of 2 – 24 months. Next, you will need to provide the following information:

  • Personal details
  • Financial details
  • Expenditure information

Using Viva Payday Loans, you agree to provide true, accurate, and complete information about yourself. Once you’ve read and understood the terms and conditions, you can hit “Apply,” – and your application is dispatched immediately.

Step 3: Receive A Decision Within Minutes

You will receive a decision within moments! Once your request is received, we’ll notify you of your approval. Then, we’ll direct you to the lender, where you can move forward with the process. Of course, we will also let you know if your application is rejected for some reason. During this stage of the application, it is not unheard of for the lender to contact you for further documentation or information.

Step 4: Sign the Loan Contract

The lender will then present you with a loan agreement. Make sure to read the entire contract carefully. Hidden fees and terms could be nestled in the small print, so make sure to reach everything. Areas of the contract that need extra special attention include:

  • Hidden fees (early and late payment charges)
  • The repayment schedule
  • Terms and conditions

If everything looks good, go ahead and sign it and send it back to your lender. Once the contract is started, your money will be in the bank account you provided within the next business day.

Step 5: Receive Your Funds & Keep in Touch

There’s not a lot left to do now. Just make sure to remain available to provide any requested documentation or information. Be honest about your situation with your lender and keep in touch. The cash will be yours in 24 hours, and you can begin preparing for your first payment due.

FAQ’s

What Criteria Do I Need To Fulfill To Be Approved For a Fast Loan?

The criteria will vary very massively from lender to lender. However, a few basic you’ll need to fulfil to be approved for a fast loan are the follows:

  • Be a US citizen or a permanent resident
  • Be at least 18 years old
  • Hold a bank account in your own name
  • Provide proof of your ability to repay the loan

I Don’t Have Good Credit History. Am I Eligible to Apply For a Fast Loan?

Yes, we won’t automatically count you out just because you have a rough credit history. At Viva Payday Loans, we work with top lenders across the US who will help you get bad credit fast loans when you need them the most. Unlike many others, our lenders take the time to evaluate your circumstance to work out a suitable loan for you.

If you have a poor credit score, you will be expected to repay your loan at a slightly higher interest rate. However, the good news is that you will have an excellent opportunity to improve your credit as you make repayments timely.

How Long Will It Take To Get A Decision?

After you have sent out your application, our panel of lenders will decide whether to offer you a loan within 2 minutes.  If you are approved for a loan, we will put you in direct contact with the lender. Your lender will transfer your funds into your bank account within 24 hours of contract acceptance.

How Much Money Can I Borrow?

With Viva Payday Loans, you can borrow between $100 and $5,000 from our third-party independent lenders.

How Long Can I Borrow For?

Customers are able to borrow for 2 – 24 months. Each lender will work with you to create loans and repayments that fit you – whether it be weekly, fortnightly, on a monthly basis.

What is the APR?

The annual percentage rate (APR) refers to the amount borrowers will pay on top of the principal or the loan amount. The APR is the interest used to repay a loan.

For instance, if you borrow $1,000 for six months, you might need to pay back $1,440, which is the new amount including the APR.

APR varies from lender to lender and will be determined by many factors, such as your income, assets, credit history, and the type of loan. Lenders consider all these factors and choose an interest rate that reflects them. You can expect to pay an APR between 5.99% APR and 35.99% APR.

How Do I Make Repayments?

Depending on the lender, your repayments can be either automatic or manual. Many of our loan lenders set up automatic repayments that deduct the amount from your bank account on scheduled repayment dates.

What Happens If I Cannot Make A Payment On Time?

You should never take a loan if you think you cannot pay it back on the repayment dates. Taking a loan and being unable to pay it back not only hurts your credit but may worsen your situation. However, we realize that customers often struggle to make repayments due to various conditions. Many of our lenders are willing to work out a plan with customers who face unexpected financial hardships and cannot make a payment. Your part is to take the initiative to reach out to your lender and be honest about your situation.

Are Your Fast Loans Available In All States?

Unfortunately, our loans are not available in all the States. You cannot apply for a fast loan at Viva Payday Loans if you are in the states of Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, Minnesota.