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Viva Payday Loans > Loans in Los Angeles

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 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  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 Loans in Los Angeles

Bad Credit Loans in Los Angeles

Your bad credit score may have resulted in denials or rejections in the past when trying to get loans in Los Angeles with traditional banks and financial institutions. At Viva Payday Loans, you won’t have to worry about that!

We collaborate with lenders who specialize in offering loans to borrowers with bad credit. Instead of concentrating on your past financial troubles, lenders will consider your income and expenses to determine whether you’re in a better position to pay back loans than you were in the past. If you can afford the repayments and earn enough each month, there’s every reason to apply for a bad credit loan at Viva Payday Loans.  

At Viva Payday Loans, your application won’t be automatically rejected. Lenders will help you find a solution and treat you as an individual – they have a habit of approving loans case by case. As a bonus, our Los Angeles bad credit payday loans are small and easy to repay, ranging from just $100 to $5,000. If you make your payments on time and in full, it will help improve your credit score.

Best Installment Loans in LA

Installment loans are personal loans where you receive the whole amount you borrow immediately. You then pay it off with interest in regularly scheduled payments known as installments.  At Viva Payday Loans, you can get anywhere between $100 loans to $5,000 loans when applying for installment loans in Los Angeles, and you can select how you wish to repay it – the options range from 2 to 24 months.

You can choose a convenient monthly payment according to your budget then follow simple steps to apply. Once you’re approved, you’ll get a one-time lump sum payment into your account.

At Viva Payday Loans, you can get installment loans in LA for all your emergencies and financial needs. You can use it to further your education, improve your credit score, spruce up your home, pay down debt or take a vacation – the options are limitless.

Immediate No Credit Check Loans in Los Angeles

Not so keen on having people pry around your credit history? We don’t blame you! Often, having a poor financial past can hang over you like a dark cloud for life! Not at Viva Payday Loans, though. With no credit check payday loans in Los Angeles, you can get approved for a loan without a credit check. Whether your credit history is non-existent or inadequate, Viva Payday Loans connects you to lenders who are most likely to grant you a loan without credit checks. And just to put your mind at ease, many of our lenders specialize in no credit check loans and bad credit loans too.

Think of a no credit check loan as a quick approval loan. Instead of spending time digging into your credit history, lenders focus on determining whether or not you can afford the loan by calculating your income vs. expenses.

Most no credit check loans range between $100 and $2,000, but some lenders offer up to $5,000, depending on your affordability. You’ll get a fixed interest rate ranging between 5.99% and 35.99% APR (Annual Percentage Rate) and a fixed period to pay back. The best part is that some lenders offer same-day payouts on no credit check loans, which means there’s no waiting around.

Easy Payday Loans in Los Angels

Payday loans in Los Angeles can come in handy when you need to cover a minor and sudden expense or emergency. They’re typically a cash advance of your next paycheck, and you have to repay it on the day you get paid.

Payday loans are usually small short-term loans. You can easily apply for a cash advance online when you need easy cash fast. At Viva Payday Loans, lenders offer $100 to $5,000 payday loans in LA with repayments periods of 7 to 30 days. Of course, extended repayment periods are possible. You can expect quick approval and transfer of payday loans within 24 hours or even the same day.

Los Angeles Loans Quick Unemployed

Not being traditionally employed shouldn’t discourage you from applying for a loan when you need a financial boost. Viva Payday Loans offers unemployed loans in Los Angeles. Any American can borrow money online and get instant payday loans even without a payslip.

You only need to have an alternate source of income, meet the eligibility criteria, and prove you can afford the loan to get approved. At Viva Payday Loans, lenders offer loans to the following types of unemployed people:

  • Self-employed individuals
  • Freelancers
  • Recipients of government benefits
  • Trust beneficiaries
  • Side hustlers
  • Casual or seasonable workers

And any other type of borrower with an untraditional source of income. At, you can get between $100 and $5,000 with repayments periods between 2 and 24 months.

Most lenders will require that you have a monthly income of at least $1,000. This can be from any source, including disability income, benefits, spouse or parent salaries, dividends, child support, retirement income, and many others.

Fast Secured Loans

To get secured loans in Los Angeles, you need to give up one of your assets as collateral. The asset basically acts as security for the loan if you default. It can include your home, car, machinery, equipment, stocks, bonds, jewellery, art, and other valuables.

Lenders can possess your asset and sell it to recover the loan costs if you default on your loan. As a result, secured loans are fast-approval loans because the lender knows you’ll be motivated to pay back the loan. After all, no one wants to lose their valuable assets.

With secured loans, you may also find that lenders offer desirable terms like an extended payment period with low interest rates, and you’ll be able to borrow higher amounts than if you applied for an unsecured loan.

Unsecured Loans in Los Angeles, California

Unlike secured loans, you don’t need to use your assets as security to get unsecured loans in Los Angeles. Unsecured loans are sometimes referred to as signature loans, character loans, or good faith loans. They often only require a promise to pay and your signature as collateral.

At Viva Payday Loans, the lenders on our panel offer unsecured loans in LA ranging from $100 to $5,000, and you’ll get to repay in 2 to 24 months. To determine your eligibility for a loan, lenders may consider your credibility, but their primary focus will be on your monthly expenses and income to determine affordability.

Even with a bad credit score, you can still get approved for unsecured loans. However, you’ll get higher interest rates and a shorter repayment period.

Fast and Easy Student Loans

Whether you’re planning on going to campus physically or logging in for online learning, you’ll need a way to pay for college expenses. Federal loans may not be enough to cover all the costs, and this is where student loans from Viva Payday Loans come in.  Bridging cash for students is not an uncommon concept, and you will find many lenders are our panel are more than willing to help a student in financial need.

You can get student loans in Los Angeles to cover the gap between what you can afford and what you need. You can use student loans to buy books, cover tuition balances, room and boarding, and other student-related expenses.

Student loans are different from scholarships and grants, as you have to pay them back. You can use guarantors or cosigners to improve your chances of approval if you have a poor or non-existent credit history. Of course, you will also need to prove that you earn enough to repay the loan. Acceptable forms of income include part-time jobs, allowance (from parents or trust), freelance work, and so on.

Features of 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 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 Los Angeles Payday Loans

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 Loans in Los Angeles

Advantages of Short Term Loans

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 Quick Approval Loans


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 a Cash Advance

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 Cash Advance 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 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!


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.