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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!

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 Loans in New York City

Bad Credit Loans in New York City

It can be challenging to get loans in New York with a bad credit score, especially among banks and other traditional lenders. At Viva Payday Loans, we work with lenders who understand that we all experience financial hurdles at one point or another.

You’ll be treated as an individual, and your application will be assessed based on the facts – and we mean the facts right now. Facts that will be considered include meeting the eligibility criteria and having a consistent income to repay the loan. You can quickly get an easy payday advance with bad credit today if you can prove your income comfortably covers your monthly expenses and has room for another expense; your loan installment.

Our New York bad credit payday loans are small and easy to repay, and they’ll help you improve your credit score.

Best Installment Loans in New York

An installment loan is a personal loan where you get a fixed amount of money and repay it in regularly scheduled payments or installments.  The repayment term will be longer than other short-term loans. At Viva Payday Loans, lenders offer loans of $100 up to loans of $5,000 and give you time to repay them, you can access 1 month loans all the way to 24 months loans.

Once you decide on the amount you need to borrow, you can select a suitable monthly payment for your budget and then follow the simple steps to apply. You’ll get a one-time lump sum payment into your account after approval. You’ll then pay back the amount plus interest over the chosen term in monthly installments until the loan is settled.

Installment loans are suitable for emergencies and other financial demands or needs like furthering your education, improving your home, improving your credit score, paying down debt, or simply taking a long-needed vacation.

Payday Loans No Credit Check

No credit check loans in New York are also available, and they don’t require a credit check for approval. At Viva Payday Loans, we’ll connect you to lenders who don’t require credit checks to grant you a loan.

The no credit check loans are suitable for everyday Americans who don’t have credit histories or have had financial struggles in the past. They’re quick approval loans where you’ll not be judged or discriminated against. They typically range between $100 and $2,000 to ensure affordability, but some lenders can offer up to $5,000 if they deem you can afford it.

Lenders will only focus on your income stream and whether or not you can afford the loan. The best part is you can get the money the same day you apply! You’ll also get a fixed interest rate and a fixed period to pay back.

Best Instant Payday Loans

Payday loans in New York can help get you to your next paycheck or solve a sudden emergency or expense. These are short-term loans that you pay back on the day you get paid.

Payday loans are your best bet if you need easy cash fast. They’re easily approved and quickly transferred on the same day or within 24 hours. Payday loans are usually small amounts, and many lenders only offer between $100 and $1000.

Through Viva Payday Loans, you can get payday loans in New York from $100 to $5000 with repayments periods of 7 to 30 days. Extended repayment periods are also possible, and our lenders will work with you to establish a suitable schedule.

Unemployed Loans | Loans with No Job in New York

As pointed out earlier, Viva Payday Loans doesn’t discriminate against any American. Even if you’re unemployed but have other alternate sources of income, then you’ll have access to unemployed loans in New York!

You don’t need to be formally employed to get approved for loans at Viva Payday Loans. We work with lenders who offer loans to students, freelancers, self-employed individuals, and others with non-traditional incomes. You only have to prove you can afford the loan.

You’ll have to show that you’re getting at least $1,000 in your account every month. This can be from benefits, disability income, dividends, spouse or parent regular income, retirement income, child support, freelance earnings, and many others.

Through Viva Payday Loans, you can get unemployed loans in New York ranging from $100 to $5,000 with 24 months to repay.

Quick Secured Loans

Secured loans involve giving some kind of collateral as security for the loan. Such collateral can include assets like your home, car, bonds, equipment, machinery, stocks, art, jewellery, and other valuables.

They’re fast-approval loans because the risk is offset by the collateral. If you default on the loan and fail to repay, the lender can take possession and sell the asset used as collateral. Since you face a higher risk if you don’t repay while lenders enjoy reduced risk, lenders will offer you better deals regarding the amount you can borrow and the interest rate.

Easy Unsecured Loans

Unsecured loans don’t require any security or collateral to get approved. Unsecured cash advance loans are an example of an unsecured loan since you apply for a cash advance online and get funded instantly without providing any asset as security.

Lenders will look at your income and expenses to determine affordability. You can still get approved if you have a bad credit score, but the interest rates will likely be higher because of the greater risk involved.

Student Loans in NYC

If you plan to go to college, then you’ll likely need a student loan. Student loans are suitable for covering tuition, books, room and boarding, and other school-related expenses. Federal aid may not cover the total costs, and student loans can help fill the gap.

Unlike grants and scholarships, student loans have to be paid back. Even if you don’t have a credit history, you can approach a friend, your parents, or your siblings with good credit standing and financial history. They can be your cosigner or guarantor and increase the chances of getting approved for a student loan. 

Features of 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 New York Short Term Loans 

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 Loans in New York City

Advantages of a Cash Advance Online

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


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 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.