Funds as soon as the same business day.
Request options online and get funds deposited as soon as the same business day. Every credit type welcome.
We've made it easy to request, connect, and get funded — all in just a few clicks.
Our fast, and secure online form can be completed in just 2 minutes.
Our lenders consider all credit score ratings, from no rating to excellent!
Select your lender and receive your funds as soon as the same day, if approved by a lender.
Viva Payday Loans connects you with lenders built for speed. Soft inquiry to apply, every credit type welcome.
| Loan Amount | Term | APR | Estimated Fee* | Monthly Payment | Total of Payments |
|---|---|---|---|---|---|
| $500 | 6 months | 24.99% | $25 | $89 | $534 |
| $1,000 | 12 months | 18.23% | $80 | $92 | $1,104 |
| $2,500 | 18 months | 26.99% | $200 | $167 | $3,006 |
| $5,000 | 24 months | 35.99% | $400 | $295 | $7,080 |
* "Estimated Fee" reflects a representative origination or arrangement fee where applicable. Not all lenders charge fees. These examples are for illustration only and may not reflect your offer. Availability varies by state. Late or missed payments may incur additional costs.
Yes — for many borrowers, same-day funding is genuinely possible. When you apply early in the business day, receive a fast decision, and accept a lender's offer promptly, funds can be transferred via ACH direct deposit to your bank account before the business day ends.
The key factors that determine whether you'll be funded the same day are: the time you submit your application, how quickly you accept the lender's offer, and your bank's own cut-off times for same-day ACH processing. Applying in the morning gives you the best chance of same-day funding.
Unlike traditional bank loans that take days or weeks to process, lenders in our network use streamlined digital systems built for speed. The entire journey from application to funding can happen within hours — not business days.
From the moment you apply to the moment funds land in your account, the process is designed for speed. Here's why:
Automated review means lending decisions arrive within minutes — not days of waiting.
Funds are sent straight to your bank account via ACH — no cheques to cash, no waiting in line.
A short, fully digital form means you spend less time applying and more time getting funded.
No lengthy credit reviews to slow things down — lenders process all credit backgrounds efficiently.
Free to apply — no delays caused by fee collection before your application is reviewed.
Request any amount from $100 to $5,000 — same-day funding applies across the full range.
Find answers to the most common questions about payday loans with same-day funding.
Get StartedCompare payday loans with same-day funding. Free to request — no obligation.
