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Viva Payday Loans > Loans in Los Angeles
Last Updated: September 28, 2021

Payday Loans in Los Angeles

The LA lifestyle can get expensive. While you’re trying to keep up with the high-paced everyday hustle and bustle, you still have to cover the mundane expenses life throws at you. You can surely think of more exciting ways to spend your money than on vehicle repairs, fixing the dryer, or replacing the cracked tiles in the kitchen – but alas, these are expenses that need to be covered. What’s worse is that you probably don’t have enough spare cash to cover it all and continue living in the comfort you and your family are used to.

Enter the spotlight: Viva Payday Loans’ affordable payday loans in Los Angeles!

Payday Loans in Los Angeles – How do They Work?

Payday loans are short-term loans that can help you in immediate emergencies, expenses, and when you need just a little extra to get you through to your next paycheck. Payday loans from Viva Payday Loans are designed to be short and sweet, so you don’t have trouble paying lenders back, and there’s no need to worry about getting caught up in debt.

The best part is you don’t even need a ‘traditional job’ to get payday loans in Los Angeles. The ‘payday’ can be any day you get money in your account from any source of income! We’ve got payday loans for everyone; loans for the unemployed, payday loans for people on benefits, the best bad credit loans, and even those with excellent credit or no credit at all.

Loans available at Viva Payday Loans:

  • Amount: $100 to $5,000
  • Terms: 2 to 24 months
  • Interest: 5.99% to 35.99%
  • Payout waiting time: same day or within 24 hours

By now, you’re probably ecstatic that you can get cash in a hurry, but how does it work? Viva Payday Loans allows you to borrow all kinds of loans in LA. Whatever type of payday advance you choose, you’ll pay back part or all of it on the day you get your salary/wages.

You can borrow money online through a quick and easy application process right here at VivaPaydayLoans.com.  Say goodbye to tedious and frustrating loan application processes because our’s takes just five minutes. What’s even better is our approval process – you won’t wait more than two minutes to get an outcome on your loan application.  

After approval, you’ll get connected directly to a lender to finalize the process, ask questions and discuss terms. We don’t interfere at all – the agreement is between you and the lender.  Something you’ll be delighted to learn is that our lenders are swift with their payouts –  you can have money in your account within 24 hours or on the same day you apply!

Repayments are also made as convenient as possible for you. Automatic debits on your account ensure you don’t have to worry about budgeting for the loan or missing payments. It’s automatically taken care of when your income enters your account!

Types of Payday Loans in Los Angeles

At Viva Payday Loans, we offer the following types of payday loans in Los Angeles.

Payday Loans In Los Angeles

You can borrow different types of payday loans in Los Angeles through Viva Payday Loans. They’re a cash advance of part of your paycheck, and you pay back part or all the amount plus interest on the day you get paid.

Payday loans in Los Angeles can help you in immediate expenses or emergencies or when you need something to get you through to your next paycheck.

You don’t even need a traditional ‘paycheck’ or be formally employed to qualify for payday loans in Los Angeles. We’ll connect you to lenders who accept all kinds of income free of charge! You can borrow from $100 to $5,000 and get repayment periods of 1 to 30 days or 2 to 24 months.

Payday Loans In East Los Angeles

Viva Payday Loans can help you access payday loans in East Los Angeles from a vast pool of reputable lenders. We’ll ensure we connect you to a suitable lender within minutes!

Our lenders are licensed to provide payday loans in East Los Angeles, and they welcome all eligible borrowers. Even if you have a bad credit history, rest assured our lenders don’t automatically reject applications.

Instant Payday Loans In Los Angeles California

Imagine having access to instant payday loans in Los Angeles, California, right at your fingertips. Viva Payday Loans connects you to lenders who offer payday loans in Los Angeles suitable for the modern American.

You no longer have to go through frustrating and tedious loan processes to access funding when you need it. With instant payday loans in Los Angeles, California, you’re approved within minutes and funded on the same day you apply.

Best Payday Loans In Los Angeles

You can find the best payday loans in Los Angeles at Viva Payday Loans. But what makes them so great? First, we connect you to lenders who help borrowers with all kinds of credit scores. Whether you have a terrible, poor, or non-existent credit history, you can still qualify for payday loans in Los Angeles.

We offer payday loans in Los Angeles with flexible amounts from $100 to $5000 to cater to all needs and budgets. You also get the freedom to set repayments according to your budget and schedule and pay back weekly, fortnightly, or monthly.

Payday Loans Online In Los Angeles Area

Viva Payday Loans allows you to borrow payday loans online in the Los Angeles area through a few simple clicks! The entire loan process takes place online, from application and approval to payout.

Gone are the days when visiting a storefront was necessary to access payday loans in Los Angeles. The best lenders in Los Angeles are now online, and we’ll connect you to them free of charge!

Simply download the Viva Payday Loans app or use our website for a quick online application process. Once you decide on the amount you need, choose a suitable payment according to your budget and follow the simple steps to apply!

Remember, only choose loan amounts you can comfortably repay when borrowing payday loans online in the Los Angeles area.

Features of Payday Loans in Los Angeles (LA)

Loans at Viva Payday Loans share the following features:

Easy Cash in Los Angeles

Whether you’re unemployed or have a good or bad credit score, Viva Payday Loans offers quick approval loans that are affordable and flexible. You can choose a loan amount you can afford between $100 and $5,000 and select a repayment schedule suitable for your earnings and budget.

Borrow Money Online

With Viva Payday Loans, you don’t have to go looking for storefronts to get loans in Los Angeles. Instead, you get the ultimate digital experience by easily and quickly applying for loans online at VivaPaydayLoans.com from wherever you are in LA.

Instant Payday Loans

Many of the lenders at Viva Payday Loans offer speedy payouts, with most of them paying out on the same day. Once you’re approved, you can rely on our lenders to deliver the loan amount to your account by the next business day at the latest.

Reputable Lenders

A lender’s reputation is a vital factor to consider when taking out loans, especially if you want to avoid charges that can catch you off guard and unnecessary risks. It’s also wise that you perform your own due diligence to determine the credibility of a lender. Viva Payday Loans only works with licensed, respected, transparent, and reliable lenders. All our lenders have their contacts details readily available to anyone, and they’re upfront and transparent about their loan costs.  To put your mind at ease, you can check their reviews, go through customer testimonials or even call them directly and speak to them yourself.

Rates and Charges

When taking out loans in Los Angeles through Viva Payday Loans, you can expect to pay reasonable annual interest rates from 5.99% to 35.99% APR. Different lenders also have other charges that may include an establishment fee, late payment fees, non-payment fees, and early exit fees (if you try to repay your loan earlier than agreed). Keep in mind that the rates and charges may vary from lender to lender. You should always make inquiries about all the expected charges before signing an agreement.

Costs and Regulations Surrounding Payday Loans in Los Angeles

Payday loans are a legal practice in Los Angeles, and a $300 cost limit on payday loans is imposed. Reputable lenders are also required to have a lender’s license and limit lending to active duty members and their families. Los Angeles regulations cap the interest rate you can be charged at 460%. At Viva Payday Loans, all lenders charge interest rates between 5.99% to 35.99% APR.

Payday loans can only be taken for periods not exceeding 31 days, and charges should not exceed 15% per $100. Of course, alternative personal loans of more substantial amounts are allowed over longer repayment terms.

Advantages and Disadvantages of Payday Loans in Los Angeles

Advantages of Payday Loans in Los Angeles

Fast Approval Loans

The loan application process at Viva Payday Loans is fast, and you can get a decision on your request in a few minutes. Provided you meet qualifications, you’re guaranteed a quick approval, and our lenders will not keep you waiting either. Your money is quickly disbursed so you can address your immediate needs.

Bad Credit Scores Welcome

We welcome all types of credit scores at Viva Payday Loans. Even with a non-existent credit history, you’ll still be considered for a loan. All that matters is your income and affordability.

Flexible Repayments

Lenders at Viva Payday Loans will allow you to pay back the loans on your terms. You can work with them to create a suitable schedule for repayments, usually bi-weekly, weekly, or monthly.

Disadvantages of Payday Loans in Los Angeles

Costly

Payday loans, cash advances, and other short-term loans feature high interest rates and charges because they’re primarily unsecured. Most borrowers who seek to borrow money online or get a cash advance online often have poor credit scores, low incomes, or other factors limiting their chances among traditional lenders and banks. Therefore, the risk is higher for the lender, and they have to charge higher interest rates to mitigate such risks.

Eligibility Criteria for Payday Loans in Los Angeles

You’ll be considered for loans in Los Angeles at Viva Payday Loans provided;

  • You’re aged 18 years and above.
  • You’re a US citizen or permanent resident.
  • You have a valid bank account in your name.
  • You have a regular income that can repay the loan ($1,000 per month).

Application Process for a Payday Loans in Los Angeles Online

Imagine conveniently applying for loans in LA in 3 easy steps! Now you don’t have to imagine because that’s all it takes at Viva Payday Loans.

Step 1: Gather Verification Documents

All lenders in Los Angeles will require you to provide documents to verify your details and information. Having them ready can help expedite the approval and disbursement process. Documents you’ll need include;

  • Proof of income, such as bank statements or tax returns
  • A government-issued ID, such as your driver’s license or passport
  • Proof of LA residence

Step 2: Capture your Details

Quickly capture your details in the user-friendly online application form right here at VivaPaydayLoans.com. You’ll be required to fill in your personal and banking details, your income and employment information, and your monthly expenses. Rest assured that your information will be safe and secure and will only be shared with a suitable lender. Before you submit the form, practice responsible borrowing by taking the time to read through the privacy policy as well as the terms and conditions.

Step 3: Get Approval and Funding

After submitting your form, you’ll get feedback on your request within two minutes. Once a suitable third-party independent lender approves your request, you’ll be connected to them directly to complete the process and come to an agreement. At this point, the lender may contact you through email or phone and ask for verification documents. Ensure you ask as many questions as possible and inquire about loan fees and charges – this is your opportunity to get settle all unanswered questions.

After the lender sends you the loan agreement, review it carefully to understand the terms and repayments. Once you’re satisfied, sign it, return it, and wait to receive your cash within 24 hours or less!

FAQ’s

Will my credit score be checked when I apply for loans in Los Angeles?

Your credit score may or may not be checked depending on the type of loan you apply for. However, our lenders will never check your credit score without your permission.

Will I pay for Using Viva Payday Loans?

No. using Viva Payday Loans is free of charge.

Is the privacy of my data and information guaranteed when I borrow money online?

Your information and data will remain safe, confidential, and secure as long as you apply with the reputable lenders at Viva Payday Loans.

How will I receive the loans in LA?

Lenders will send the approved loan amount electronically to your bank account.

What should I do if I don’t like the loan offered?

You’re not obligated to accept the loan offers of any of our lenders. You can deny the loan and seek better alternatives.