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Viva Payday Loans > Payday Advance – Best Payday Advance Apps

Payday Advance – Best Payday Advance Apps

When life presents you with some unexpected expenses, a payday advance comes in handy. It’s never been easier (or faster) to borrow money online, whether it’s for a broken fridge, a car that won’t start, or a vacation deal you can’t pass up.

Viva Payday Loans can put you in touch with providers of the best payday advances online that are safe and reliable.  When you apply for payday advance loans through Viva Payday Loans, you can be confident that we will work with the best lenders in the country to offer you the greatest loan deal possible when you need it most.

It has to be noted that the entire financial process at Viva Payday Loans is ever so easy. If you currently have decent credit, look for low-interest payday advances, or look for payday advance for bad credit if you need to enhance your credit score. Use our payday advance calculator to figure out which choice is best for you!

What Is a Payday Advance & How Do They Work?

With so many loans available, youre probably swimming in options. But how can you know which one is best for you? We specialize in online payday advance loans ranging from $100 to $5,000 with terms ranging from 2 to 24 months at Viva Payday Loans.

What Is The Definition Of A Payday Advance?

When you apply for easy payday advance loans, you will get a one-time lump sum payment into your bank account, unlike when you apply for a credit card. Then, over the course of the loans duration, you repay the principal plus interest in monthly payments until the debt is paid off.

At Viva Payday Loans, How Does It Work?

You can choose a monthly payment that fits your budget after youve decided on the amount you want to borrow and then apply using a quick and easy online application form. Then all you have to do is make sure you pay your installments on time every month. Given that you set it up yourself, this should be a home run for you!

A payday advance isn’t always only required in an emergency. Advance payday loans can be used for a variety of purposes, including home upgrades, education, debt repayment, credit score enhancement, and even a family trip. Viva Payday Loans can assist with any necessity (or desire) you may have!

Knowing what factors influence your credit score is critical to financial success, and this document will detail the interest rates, payback plan, and other interesting bits of information when applying for a payday advance.

Even if you have bad credit and have taken out one of our easy payday advance loans, you can improve your financial situation by repaying your loan on time and in full.

Types of Easy Payday Advance Loans at

Payday Advance App

A payday advance app gives you the ultimate convenience of borrowing money right at your fingertips through your phone. One of the best payday advance apps is the Viva Payday Loans app which allows you to borrow against your future income.

Simply download the app and sign up with your details. The app will link to your bank account and automatically detect your income. When you need a payday advance, just open the app, request the loan, and get money into your account. The loan amount plus interest is repaid automatically on your next payday.

Payday Advance Near Me –  Payday Advance Places Near me

If you’ve been looking for a payday advance near me, then Viva Payday Loans is your best bet! You no longer have to look for a storefront and go through frustrating and tedious loan application processes. Simply visit or download the Viva Payday Loans app for an easy online application process from the comfort of your home.

It doesn’t get closer than the smartphone in your hand if you’re looking for a payday advance near me or payday advance places near me. Just fill out an online form, wait for the lenders on our panel to decide within minutes, sign the loan agreement and get money in your account! You can get a payday advance for all types of needs, budgets, and occasions, with amounts ranging from $100 to $5,000.

Payday Advance Online

Viva Payday Loans enables you to get a payday advance online through your smartphone or computer. Simply visit or log in to the Viva Payday Loans app and conveniently borrow a payday advance online through a quick and easy online application process.

You can complete your application and get a decision in under five minutes. The platform is user-friendly, and you’ll love the easy-to-follow online process to conveniently borrow a payday advance online from anywhere in the US.

Payday Advance No Credit Check

Payday advance no credit check loans are excellent if you don’t want lenders poking into your credit history or have no credit history. All eligible Americans are welcome, and you’ll not be discriminated against or judged because of poor or non-existent credit history.

You can get approved for Payday advance no credit check loans without a credit check. Lenders will only look at your monthly expenses and income streams to determine affordability. They’re usually small amounts ranging from $100 to $2,000, but some lenders can offer you up to $5,000, depending on affordability. You’ll get a fixed repayment period and interest rate, and you can have the funds in your account on the same day you apply!

Payday Advance Bad Credit –  Poor Credit Payday Advance

At Viva Payday Loans, we work with lenders who will not hold the financial hurdles of your past against you when you need a payday advance. Payday advance bad credit loans are available to borrowers with a poor or bad credit history.

We’ll connect you to understanding lenders who only consider your income and whether you can afford the requested loan amount instead of judging you based on your credit history. Poor credit payday advance loans are small and easy to repay, which will help improve your credit score in no time!

Payday Advance for  Unemployed & Self Employed People

The belief that you can’t apply for a payday advance and get approved because you’re not formally employed is misguided. You can get a payday advance for unemployed and a payday advance for self employed borrowers at Viva Payday Loans! We’ll connect you to lenders who don’t discriminate, and we won’t charge you a penny for our services.

Lenders can approve a payday advance for unemployed and payday advance for self employed borrowers as long as there’s an alternate income source that can repay the loan. We work with specialist lenders who give payday advances to freelancers, the self-employed, students, and anyone without a traditional mainstream job.

Payday Advance For Social Security Beneficiaries

People on benefits or social security income also need access to fast and affordable financing. Viva Payday Loans can connect you to lenders who can offer a payday advance for social security or a payday advance for beneficiaries of government aid.

They’re similar to other payday advances but are suitable for borrowers who get all their income or part of their income from government welfare and benefits. You can apply online and get a payday advance of your social security or benefits within 24 hours! You can get a payday advance for social security or benefits ranging from $100 to $2000 to ensure affordability: the lower the loan amount, the higher your chances of getting approved.

Payday Advance Without Bank Account – Payday Advance With Prepaid Debit Card

Lenders at Viva Payday Loans also offer payday advance to unbanked individuals without a checking or savings account. Unlike other lenders who require an active bank account and bank statements, we’ll connect you to lenders who readily offer a payday advance without a bank account. You can also get a payday advance without a checking account, and all you’ll need is a prepaid debit card!

Prepaid cards are a convenient way of paying for daily expenses and needs with a single swipe. You have to find lenders who can give a payday advance with a prepaid debit card, and this is where Viva Payday Loans comes in. We’ll easily link you to the top lenders in the country who can give you between $100 and $5,000 without a bank account for free! They’ll also set up an automatic debit to your card to cater for the repayments in a worry-free process.

Payday Advance Without A Check Or Direct Deposit

Thanks to debit cards, you can get a payday advance without a check or a payday advance without a direct deposit. This is one of the most convenient payday advance options available at Viva Payday Loans. Simply follow the easy online application process, and once you’re approved, the funds are deposited directly into your debit card.

Unlike checks or direct deposits, you won’t have to wait for the money to make its way into your account and look for ways to withdraw. The funds reflect on your debit card almost immediately, and it’s an expeditious way to get cash in hand when you need it!

Features of a Payday Advance

When you apply for a loan through our online broker site, you will notice that the loans we can arrange all share the following features:

Schedule of Repayment

When you apply for a payday loan via the Viva Payday Loans website, you will be requested to provide proof that you’re able to repay the loan. You don’t have to have spans of money in your bank accounts, so don’t worry about that. Instead, you will need to provide accurate information about your employment, such as your income and pay dates, along with pay stubs to support your claims. 

Lenders want to collect loan repayments on the same day that you’re paid your salary, and this is accomplished by direct debit from your bank account. You will have the option of bi-weekly, weekly, or monthly installments as part of the repayment options available to you. You will need to provide the lender with your account information in order for them to set up the automatic direct debit to repay your personal loan.

This ensures that you will never be late for a payment and will never face the consequences (some lenders charge a penalty for late payments) unless you have no money in your account on the day of the payment. In such a case, the bank will charge you a dishonoured payment penalty, and the lender will most likely penalize you for late payment too.

Repayment Terms

The payday advance loan’s term refers to the time period during which you must repay the borrowed funds. If you ask for payday advance loans, you can anticipate repaying the amount you get within seven to thirty days. If you request short term loans, they can be repaid over a longer period of time, with the offered loan terms ranging from two to twenty-four months for convenience and affordability. 

Payment terms are determined by your specific financial condition and ability to repay. Lenders will often take a look at how much of your monthly income is spent on servicing debt. It’s best to keep your debt to less than 43% of your total income. 

Cost of the Payday Advance Loan

The monthly installment of your installment loan is not the only cost associated to your loan.  To begin with, you will be charged interest on your loan, which is calculated as a percentage of the total loan balance and usually included in the monthly installments, you are quoted.

Interest is charged along with a service fee of between $10 and $30, but it can vary from lender to lender.  The majority of lenders attempt to maintain competitiveness by charging approximately $15 in service fees and lowering their interest rates on quick payday advance loans. While the lenders on our panel are generally transparent, your loan contract may include unexpected expenditures, so it’s critical to discuss any hidden fees with your lender. These fees include those associated with paying your loan principal off early or making a late payment on your account.

You could also be faced with collection fees if you skip payments on your payday advance, and the lender has to acquire the services of a professional debt collector to intervene. Consumer Financial Protection Bureau (CFPB).

Decent Payday Advance Loan Amounts

Each of the payday lenders servicing our client’s loan requests offers substantial payday loan amounts without making them unaffordable. When you use to borrow money as a payday advance, you can expect to get quick and easy access to loans of up to $5,000. How much you can borrow is determined by your credit score, work status, income-to-debt ratio, and the state’s legislation. The better your credit score, the more money you can borrow. A good FICO score also often means lower interest.

The Reputation of Payday Lenders

Transparency and ethical lending are two things we cherish at Viva Payday Loans and just happen to be valued by our associated payday lenders too. We make a point of collaborating with a panel of trustworthy lenders who are clear about their loan plans and fees.

Additionally, providers of the fast payday advance loans that we work with make their contact information readily available to their consumers and provide them with a loan agreement that contains all of the contract’s terms and conditions. If you’re worried that your lender is unethical or a scam, conduct an online search and check online reviews. When you interact with a broker site like, you can rest assured that all of the offers provided to you are legitimate and that you will not be scammed as each of our lenders are licensed and vetted in the states they operate in.

Fast Loan Disbursement

Being cash-strapped can be a difficult situation. No, scrap that. It can be downright uncomfortable, not to mention stressful too. Personal loans and payday advance loans offered online are aimed to assist individuals who require cash in a hurry. There’s no time to wait around when emergency expenses or sudden bills crop up.

At, we understand the urgency involved, and as such, we have gone to every effort to ensure our online application is optimized for speed. Complete the application form in a few minutes, and you will receive feedback on your acceptance within two minutes. Yes, it really is that quick!  Payouts on payday advances are typically processed the same day; however, we guarantee a 24-hour turnaround if the payment isn’t made on the same day.

Examples of Easy Payday Advance Loans Near Me

Here’s what to expect when you apply for a loan via the portal.

Lender Interest APR Loan Amount Payout
Avant 9.95% to 35.99% $2,000 to $35,000 24 hours
CashNet USA 129 – 449% $255 – $3,400 24 hours

The above table presents examples that are subject to change at any time.

Advantages & Disadvantages of  USA Payday Advances

When applying for payday advance loans, these are the advantages and disadvantages to expect.

Advantages of Payday Advance at Viva Payday Loans

Repayment Schedules According to Your Finances

For short term loans as a payday advance, you will not be asked to adhere to the same repayment schedule as everyone else. That’s because the payday lenders we work with consider each application on a case-by-case basis.  Rather than force everyone into a standard repayment schedule, the lender will discuss with you to arrange the most convenient and cost-effective payment schedule for you.

If you are paid weekly, biweekly, fortnightly, or monthly, the majority of lenders will assist you in establishing repayment schedules that are compatible with your income dates. An automated debit is set up to retrieve the repayment from your bank account on the agreed dates in your personal loan contract to make it even simpler.

Application Takes Just a Few Minutes

You can complete your payday advance loan application in less time than it takes to make a sandwich! If you have a few minutes to spare, applying for the no credit check loans or payday loans available via Viva Payday Loans will only take a few minutes of your time. Filling out the online application form takes approximately five minutes, and the subsequent approval process takes only two minutes longer.

Get Your Money in 24 Hours

We call them fast payday advance loans because that’s what they are; fast!  The payday lenders we work with will send the money directly into your bank account within 24 hours of loan approval.

Collateral – Free Payday Advances

Unsecured loans are excellent for minor payday advance loans because they do not require any form of collateral to be approved. These loans are occasionally referred to as signature loans, and if granted, you receive the cash you require without risking the loss of your possessions. However, when you borrow money without security, you can expect the loan to have a higher interest rate; they are just as straightforward to obtain.

Low & No Credit Individuals Welcome

Making a few financial blunders in the past does not imply that you will be doomed financially for the rest of your life. It is possible to apply for bad credit short term loans, which are designed exclusively for persons with poor credit or absolutely no credit. These loans are often small in size, have short repayment durations, and have APRs ranging between 5.99% to 35.99% on average. The amount of money available for payday advances for bad credit at Viva Payday Loans range from as little as $200 up to $5,000. The loan packages we offer are available to individuals with FICO scores below 600 too.

Disadvantages of Payday Alternative Loans

The Expense

A fast payday advance’s ease of use and the fact that it does not require a credit check come at a cost. If you select for a relatively low personal payday advance, the expected APR might be as high as 400% when returned over seven to thirty days. Most lenders anticipate APRs that range from 5.99% to 35.99% for loan periods of between two and twenty-four months. 

Qualifying Criteria to Borrow Money

All of the easy payday advance loans providers serving Viva Payday Loans clients evaluate applications independently. Each individual is treated uniquely, which means that lenders will not always make the same decision.

Certain lenders are more willing to lend larger amounts to borrowers with an excellent credit history. Other lenders, on the other hand, prefer to focus exclusively on bad credit personal loans.

In either case, there are a few prerequisites for being considered for personal loans, including the following:

  • Being a citizen or permanent resident of the USA
  • Being 18 years of age or older
  • Having a bank account in your own name

Of course, numerous additional criteria are taken into account, including your credit score, salary, job, current lifestyle, and expenses. These factors all factor into the lender’s decision-making process when considering you for a loan.

Application Process for Payday Advance at Viva Payday Loans

It’s quick and simple to apply for a payday advance with Viva Payday Loans. Take the following simple steps:

Via Viva Payday Loans, you can apply for the following types of loans:

To apply for any of these loans, use the steps below.

Step 1: Document Gathering

Completing an online form is only part of the process. The most important part is when payday lenders scrutinize and verify all of your information before they approve or deny the payday advance loan. Supporting documentation can assist you in demonstrating your loan-worthiness. Make sure you have your identification, as well as a utility bill and at least 90 days’ worth of your most recent bank statements. You will also need your pay stubs.

Step 2: Click “Apply Now” and Complete the Form

On the top right of your screen, click “Apply Now” and complete the application form. You must enter the amount you wish to receive as a payday advance and the number of repayment months that you desire. Take care not to exceed a reasonable borrowing amount with your affordability in mind. The smaller the loan, the more likely you are to get approved.

Once you’ve entered all of your information (be as truthful and accurate as possible), click the “Submit” button. The wait for approval (or denial) is just two minutes. If you are authorized to borrow money for a payday advance and a lender is available to grant one, you will be routed directly to the payday advance provider to finalize the procedure. In the event that your payday request is denied, you will be told immediately so that you can obtain the funds from another source. Our automated system and our lenders won’t keep you waiting around either way.

Step 3: Sign the Loan Agreement and Get Money in 24 Hours

The lender will quickly supply you with a copy of a payday advances agreement customized to your financial situation and outlining the amount offered, terms, and conditions. Go over everything carefully and sign the contract. Once the lender receives the agreement, the loan will be activated, and the funds will be deposited and reflect on your bank balance as soon as the next business day.


How Can I Improve My Prospects for Obtaining a Payday Advance?

You certainly can. To begin with, a good credit report will boost your chances of being approved for a payday advance. If you have a low credit score, do not despair; there is still hope. To improve your chances of acceptance, attempt to minimize your monthly expenses to the point where your affordability assessment yields acceptable findings. Additionally, verifying that you satisfy all qualifying standards and possess all necessary supporting documentation will assist you. Earning $1,000 per month is critical. Make careful to include any additional income in your loan application.

Should I Apply for a Secured Loan or an Unsecured Loan?

A collateral loan is the best option for quick payday advance loans. Secured loans need some type of collateral to decrease the lender’s risk, but they are easier to obtain. To secure the loan, you must pledge your car, property, or other valuables. Unsecured loans need no security, but you must have good credit and be able to afford the loan.

Are Payday Advances Provided to People Who Have Declared Bankruptcy?

You can qualify for a loan once your insolvency is finalized, which typically takes four years. Unfortunately, you are not allowed to apply for any easy loans during bankruptcy without official court approval.

Why Was My Payday Advance Rejected?

If your application for a personal loan was declined, there are various plausible explanations. To begin, you may have a very low credit score. Among the other causes include an unsatisfactory debt-to-income ratio, inadequate monthly income, and inability to meet eligibility standards.

Can People with Bad Credit Get a Same Day Payday Advance?

Making use of negative credit payday advances increases acceptance rates. These loans are for people with bad credit. The lender will be more concerned with your income vs. expenses.

Can Freelancers and Self-Employed Individuals Get Small Payday Advances?

They are. You don’t need regular employment or pay stubs to apply for a loan with Viva Payday Loans. If you make less than $1,000 per month but can repay the loan in other ways, you may still qualify for a small loan. Financial records, tax returns, and documents confirming payments to you can all be used to establish your regular income. Certain freelance sites will even give you an earnings statement.

Is Receiving a Payday Advance Harmful to My Credit Score?

No, if you pay your payday loan on time, it will not affect your credit score. If you skip payments on your payday advance loan, it may affect your credit score

I am a Tourist in America. Can I Apply for Payday Advance Loans?

You are not permitted to. The same-day payday advance deals offered by Viva Payday Loans are available only to US citizens and registered permanent residents of the United States.

Can I Get a Payday Loan in Any State?

Sadly, no. Some states have outlawed payday loans. Vermont, Pennsylvania, Massachusetts, Maryland, and Connecticut are among them.