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Viva Payday Loans > Loans in New York

Payday Loans in New York

Financial emergencies can sneak up on anyone, and they come in many shapes and forms. Whether you have a stable income or not, you’ve at one point or another faced an emergency situation where you need easy cash fast. No matter your situation, if you need to borrow money in New York, you can get the cash you need right here at Viva Payday Loans.

Paydays loans in New York:

  • Amount: $100 to $5,000
  • Terms: up to 24 months

When applying for a cash advance with Viva Payday Loans, you will find that we offer all types of loans in New York City. We’ve got a loan for you for every need, occasion, and budget, from small loans to something more substantial for both good and bad credit borrowers. And best of all, the entire process from application to receiving the cash takes just a few simple clicks!

Payday Loans in New York (NY) and How They Work

Fast loans are small short-term loans suitable for emergencies, sudden expenses, or when you need a little boost to get you to your next payday, thus the name of personal loan is often being used. By ‘payday,’ we don’t mean you need to have an official job to get payday loans in New York. After all, NY is a city of exceptional opportunity. Here you can see people freelance, side hustle, and entrepreneur their way through monthly expenses like the versatile and innovative New Yorkers they are.  The term payday loan really just applies to a loan where the installment is paid on the same day you receive your salary/wages. And the  “payday” referred to can be any day you get your funds from any source. This means borrowers without traditional jobs are more than welcome to apply.

Our loans in New York are designed to be quick and easy to pay back, so you’ll not be indebted for long.  And because our short term loans in New York are quickly approved, and you can get money in your account pretty fast.

The question begs to be answered; how do our instant payday loans in New York work?

Viva Payday Loans offers different kinds of short term loans in New York, and they’re all meant to be paid back in whole or part on the day you get paid. Think of it as a cash advance of part of your next paycheck. You can easily make a loan request by completing and submitting a short loan application form. It will only take two minutes or less to know whether you qualify!

After getting approved, Viva Payday Loans connects you directly to a lender to discuss terms, ask questions and finalize the process. The loan process is swift, and once you agree to the terms, you can have money in your pocket within one business day.

You’ll also enjoy the convenience of automatic debits set up by the lender—no more worrying about budgeting or missing payments. Your income or salary takes care of the loan repayment automatically when it enters your account! Life in New York is all about convenience, right!

Types of Payday Loans in New York City

At Viva Payday Loans, we offer the following types of payday loans in New York.

Payday Loans In New York State

Through Viva Payday Loans, you can borrow payday loans in New York State. We work with reputable lenders who make payday loans available in New York for all kinds of borrowers.

In payday loans in New York, you repay in whole or part on the day you get paid. You can borrow from $100 to $5,000 and get repayment periods of 7 to 30 days or 2 to 24 months.

Payday Loans For Bad Credit In New York

Bad credit can make it challenging to get loans, especially among traditional lenders. Viva Payday Loans connects you to lenders who specialize in payday loans for bad credit in New York.

Lenders will only consider your current circumstances instead of your financial past. They’ll look at your current income and expenses to determine if you qualify for payday loans for bad credit in New York.

Best Payday Loans In New York

You’ll find the best payday loans in New York among lenders at Viva Payday Loans. They feature flexible loan amounts and repayment periods that suit your budget and payment schedule.

You can choose payday loans in New York from $100 to $5,000 and choose a suitable repayment schedule of weekly, fortnightly, or monthly payments.

Guaranteed Payday Loans In New York

Our lenders offer guaranteed payday loans in New York as long as you’re eligible and can afford repayments. Unlike other lenders who keep you waiting and wondering about your application, lenders at Viva Payday Loans guarantee instant approvals within minutes!

Payday Loans In New York Online

Viva Payday Loans allows you to borrow payday loans in New York online through a few simple clicks! Say goodbye to tedious loan application processes or looking for physical storefronts to access payday loans in New York.

The entire process from application to payout takes place online, and you don’t have to leave the comfort of your home. Simply download the Viva Payday Loans app or use our website and follow the simple steps to apply for payday loans in New York online!

Payday Loans Law In New York 

Some incorrect interpretations of payday loans law in New York brand payday loans in New York State illegal. However, as long as lending businesses are licensed and adhere to strict lending regulations, then there’s no illegality.

At Viva Payday Loans, we only connect you to licensed New York State lenders. Our lenders will not charge you interest rates that exceed the set criminal and civil usury limits for payday loans in New York. These include 16% and 25% APR.

Payday Loans In Brooklyn, New York

Viva Payday Loans also connects you to lenders who offer payday loans in Brooklyn, New York. If you live in Brooklyn and need a quick financial solution, look no further than Viva Payday Loans.

We’ll connect you to reputable lenders licensed to operate in Brooklyn at no cost to you within minutes!

Payday Loans In Buffalo, New York

Payday loans in Buffalo, New York, are an excellent financial solution if you live in Buffalo and need prompt financial help. Our lenders are licensed to advance from $100 to $5,000 to eligible Buffalo borrowers over 18. All you need is to show you can afford to repay the requested loan amount.

Payday Loans In Bronx, New York

Residents of the Bronx are not left out! Viva Payday Loans provide quick access to payday loans in Bronx, New York. Whether you need a few bucks to get you through the month or something more substantial, we got you covered!

Our lenders are licensed and offer flexible loan amounts and repayment periods.

Quick Payday Loans In New York

At Viva Payday Loans, we’re all about quickness. Urgent financial needs and emergencies can’t wait, and we won’t keep you waiting either. With a quick online application process, instant approval, and payouts, you can access quick payday loans in New York.

We’ll connect you to lenders who offer same-day payouts for payday loans in New York to help you sort that urgent need or emergency.

Features of Payday Loans in New York (NY)

Quick Approval Loans and Speedy Payouts

Many lenders at Viva Payday Loans offer same-day payouts, and you can get quick money to help you out in an emergency. Once you’re approved for a loan, you can expect to have your account funded within 24 hours at the latest.

Borrow Money Online

You shouldn’t waste time looking for storefronts all over New York or making countless calls to make a loan application. Viva Payday Loans gives you the ultimate digital experience as you borrow money. You can easily and quickly apply for loans online at from the comfort of your home.

Flexible Loan Amounts and Repayments

We pride ourselves in small and sweet loans that are affordable, with the option to choose a repayment schedule that fits your earnings and lifestyle. At Viva Payday Loans, you can get amounts between $100 and $5,000. This means you can borrow small quantities suitable for your needs instead of having to take higher amounts you don’t need.

Trustworthy Lenders

At Viva Payday Loans, we only work with reliable, respected, and transparent lenders to ensure you’re safe and don’t get disappointed in any way. You can confirm this by performing your due diligence. You can easily find their contacts and information about their charges, fees, and terms of service. Check their reviews and comments from other customers, make inquiries and ask questions.

Costs and Regulations Surrounding Payday Loans in New York

Payday loans and other short-term loans are under strict legislation in New York.  All lending businesses are required to have a license to operate in the state. State laws also prohibit lenders from charging rates that are higher than New York State’s usury limits.

The usury cap is set at 25% APR under New York’s Penal Code 190.40. Also, the General Obligations Law 501 sets the civil usury cap at 16% APR.

Advantages and Disadvantages of Payday Loans in New York City

Advantages of Fast Payday Loans in New York

All Credit Scores are Welcome

At Viva Payday Loans, borrowers with all kinds of credit scores can get loans in New York City. Our lenders will consider your loan application whether you have a poor, excellent, or non-existent FICO score.

Fast Approval Loans

The loan application process and decision take only a few minutes. As long as you meet the requirements, you can get a fast approval that guarantees money in your account for that urgent need. Say goodbye to waiting around to know your fate with our instant feedback online system.

Access to the Most Suitable Lenders

We work with many of the best lenders in New York and have a comprehensive panel to choose from. Once you submit your application, we’ll approach the lenders who will most likely approve your request according to your needs, urgency, and financial situation.

Disadvantages of Instant Payday Loans in New York


Instant payday loans and other short-term loans feature higher interest rates because they often don’t require security. Lenders will sometimes charge the maximum rate to mitigate the risks involved in providing loans to borrowers with bad credit scores and poor financial histories.

Eligibility Criteria for Payday Loans in New York

Although different lenders use their own criteria, some of the essential criteria include;

  • Be at least 18 years of age.
  • Be a US citizen or permanent resident of New York.
  • Have a valid bank account in your name.
  • Have a regular source of income to repay the loan.

Application Process

You can apply for loans in New York at Viva Payday Loans in 3 quick and easy steps;

Step 1: Gather Your Documents

Having the required documents at hand will help process and approve your loan faster. All lenders will require verification documents like;

  • Identification documents issued by the government like a driver’s license or passport
  • Proof of residence like a utility bill
  • Proof of income like a bank statement or tax return

Step 2: Capture Your Details

Complete the easy and user-friendly application form right here at so you can qualify for a loan. You’ll need to fill in information like your name, email address, zip code, the amount you need, and the repayment period. You’ll also fill in your employment status, financial details, and monthly expenditure.

Step 3: Get Approved and Funded

After you’ve submitted your form, you’ll get a decision on your request within minutes. Once it’s accepted, you’ll be connected to a lender to finalize the agreement. Take this opportunity to ask questions and inquire about their charges, terms, and fees. They’ll then ask for verification documents and send you a loan contract. Review the terms and conditions carefully and if it’s satisfactory, sign it and return it to the lender, and that’s it. You should receive the approved loan amount in your account within 24 hours.


Is Viva Payday Loans a lender in New York?

Viva Payday loans is not a lender but a loan matching and brokerage service that matches customers with the most suitable third-party lenders.

Can I apply for multiple loans at once?

Although it’s possible, it’s not advisable to apply for more than one loan at the same time. Only take out the loans that you need, and you can pay back comfortably.

How long will I have to repay a loan?

Most lenders will give you loan terms between 2 and 24 months, depending on the amount and other factors. Payday loans have repayment periods between 7 and 30 days.

How much money can I borrow at Viva Payday Loans in New York?

Lenders at Viva Payday Loans can offer you loan amounts ranging from $100 to $5,000.

How much should I be earning to get a loan?

Most lenders require that you earn at least $1,000 every month to get approved for a loan.