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Same Day Payday Loans Online

Emergencies and sudden unexpected expenses can crop up even with the best financial planning. Same-day loans are a quick and hassle-free alternative to borrow money when you need to plug a gap in your finances. Online loans same day are an ideal quick cash solution when you need fast access to funds. It’s no longer a tedious and challenging process to get hold of cash when you need it.

Thanks to the internet, the American loans world has made great leaps and bounds, and Viva Payday Loans is at the forefront of the digital revolution in lending. In addition to a convenient way to borrow money online, Viva Payday Loans also connects you to lenders who offer speedy same-day loans. And that’s not all. It’s all totally free!

In this ultimate same-day loans guide, we’ll explore what online loans same day are and how they work. You’ll learn about the types of same-day loans available at Viva Payday Loans, their features, and examples of same-day loans in the US. You’ll also learn about the advantages and disadvantages, the eligibility criteria for getting same-day loans in the US, and the application process. We’ll then answer a few frequently asked questions to ensure you stay informed.

What Are Same Day Loans And How Do They Work?

Same-day loans are types of personal loans that are processed, approved, and paid out on the same day you apply or within 24 hours at the latest. They’re short-term financial solutions that come in handy for immediate costs and other financial needs. Most people find such loans suitable for repairs, medical bills, cash to bridge you to your next payday, or for a deal you can’t miss.

Viva Payday Loans provides same-day loans that are a valuable resource when you need quick money at your fingertips. Once you decide on the amount you need to borrow, simply head to or use payday loans apps for a quick online loan application process. All you’ll need is to follow the simple steps to fill in and submit the short application form, and you’ll know whether you qualify for a same-day loan in 90 seconds or less!

Once you’re approved, you’ll receive a lump-sum payment of the loan amount to your account on the same day you apply or within 24 hours. You’ll then have to repay the amount plus interest over a fixed period until the loan is repaid. At Viva Payday Loans, lenders offer same-day loans of between $100 and $5,000 with a repayment period of 2 to 24 months. Viva Payday Loans works with lenders to bring you loan deals suitable for everyday Americans. You can get same-day loans for all kinds of needs, budgets, and occasions with a few simple clicks!

Types of Same Day Loans

You can find different types of same-day loans at Viva Payday Loans.

Online Loans Same Day

Same-day loans are types of personal loans that are processed, approved, and paid out on the same day you apply. Viva Payday Loans enables you to borrow same-day loans online through a quick and easy online application process.

The entire process from application to funding takes place online. Simply decide on the loan amount you need, complete the easy-to-fill online application form and get a loan offer within minutes! Our lenders offer same-day loans online from $100 to $5,000 with repayment periods of 2 to 24 months and interest rates ranging from 5.99% to 35.99%.

Same Day Loans For $500

We all need a little help now and then, and same-day loans for $500 can help you cover a sudden expense, emergency or give you a little boost until your next payday. At Viva Payday Loans, we’ll connect you to the most reputable lenders in the US who offer same-day loans for $255.

Most traditional lenders are reluctant about offering small-dollar loans. Fortunately, our lenders understand that sometimes you may not need a massive boost. The best way to get $255-$500 and get money in your pocket almost immediately is to apply for same-day loans for $500 through Viva Payday Loans. Best of all, it’s entirely free!

Same Day Loans With Low APR

APR refers to the annual percentage rate, and it’s the interest rate the lender charges you when taking out a loan. Lenders at Viva Payday Loans also offer emergency same day loans with the most competitive interest rates in the US. You can quickly get same-day loans with low APR between 5.99% and 35.99%.

According to your profile, we work with top-notch lenders in the country to get you the best deals for emergency same day loans with low APR. Lenders will consider factors like your income, affordability, and credit score to determine risk and give you an interest rate that reflects these factors.

Same Day Loans Near Me

Thanks to the digital revolution of the loan world in America, same-day loans have never been nearer. The best lenders are now online, and we’ll connect you to them free of charge without leaving the comfort of your home. Gone are the days when you had to look for storefronts to access same-day loans near me.  Viva Payday Loans provides you with financial options right at your fingertips. Simply download the Viva Payday Loans app or use our website to access same-day loans near me from anywhere, anytime!

Same Day Loans For Bad Credit

If other lenders have denied you same-day loans because of your bad credit, give Viva Payday Loans a try! Our lenders treat every borrower as an individual. Instead of concentrating on your past financial struggles, they consider the current facts when assessing your application.

Rest assured, we don’t automatically reject any loan request. We guarantee to get you same-day loans for bad credit, provided you’re eligible and can afford to repay. Such affordability is determined by looking at your current monthly income and expenses.

Same Day Loans For Bad Credit Near Me

Viva Payday Loans is your best bet if you’ve been searching for same-day loans for bad credit near me. We offer you the ultimate digital convenience to borrow same-day loans online from anywhere you are, even with bad credit!

With the simple push of a button on your phone, we’ll connect you to lenders who are likely to approve same-day loans for bad credit near me within minutes! Try our quick and easy online application process today to access same-day loans for bad credit from $100 to $5,000 with 2 to 24 months repayment periods.

Same Day Loans For Bad Credit And Unemployed

Having bad credit and not being formally employed can seem like a double whammy when looking for same-day loans. However, at Viva Payday Loans, we provide you with plenty of suitable options to access same day loans for bad credit and unemployed when you need it.

Our lenders welcome all eligible Americans, regardless of their credit score or employment status. All you need is to show you get at least $1,000 in your account every month from an alternate source of income, and our lenders will advance you payday loans online same day no credit check in no time.

Same Day Loans for Students

Our aim at Viva Payday Loans is to help all Americans meet their financial needs, including students. Same-day loans for students are suitable for paying tuition fees, buying books, or covering everyday student expenses.

Even without a job or credit history, you can still qualify for same-day loans for students from $100 to $5,000. All you need is a consistent income source, from family allowance, regular aid, or trust proceeds.

$255 Payday Loans Online Same Day

As a veteran, you’re eligible for different benefits that can be a valuable resource when you need same day cash loans. Lenders at Viva Payday Loans offer $255 payday loans online same day that get you the funds you need instantly with competitive interest rates.

You can use your pension, retirement, or disability benefits to access $255 payday loans online same day from $100 to $5,000 with interest rates between 5.99% and 35.99%.

Same Day Loans For Self Employed 

You don’t need to have formal employment to qualify for same-day loans at Viva Payday Loans. We’ll freely connect you to lenders who provide same-day loans for self-employed and same-day loans for unemployed borrowers.

You only need to show lenders you can afford to repay the loan amount with earnings from self-employment or any other alternate source of income. These can include monthly benefits, allowances, dividends, child support and alimony, rental income, and many more.

Same Day Loans for Unemployed

If you’re unemployed, you may worry that you can’t get a loan, but the reality is that you don’t need to have a traditional job to earn an income each month. Perhaps you receive an allowance or are on government benefits. Perhaps you’re living off your family trust. Regardless of how you receive your income, we can connect you with lenders most likely to approve same day loans for unemployed people.

Same Day Loans With Cosigner

Having a cosigner can open the doors of borrowing for you if you’ve struggled to get same-day loans individually. This involves having a friend or relative cosign the loan with you and act as a guarantor for the loan. Same-day loans with a cosigner are quickly approved because the cosigner helps lower the lender’s risk, and they can help you cover urgent financial needs.

The cosigner agrees to repay the loan if you default, making it easy for lenders to provide higher loan amounts and lower interest rates.

Payday Loans Online Same Day No Credit Check

You can have a non-existent credit history because of different circumstances. Maybe you’re a young adult, and you’ve not yet built any credit, you’ve never opened a bank account or borrowed, or you just moved to the US and can’t transfer your credit history.

Whichever the case, it can be challenging qualifying for loans with no credit history. At Viva Payday Loans, we’ll connect you to specialized lenders who offer payday loans online same day no credit check.

No Credit Check Loans Same Day

If you have a less than stellar credit record, you may want to steer clear of lenders that base their loan outcomes on credit score. At Viva Payday Loans, our lenders offer same-day loans with no credit check. Lenders approve such loans without a credit check and only focus on your affordability based on your monthly income and expenses.

Same Day Loans No Credit Check Near Me

If you’re looking for same-day loans with no credit check near me, then Viva Payday Loans is the answer. We offer same-day loans suited for the modern American who doesn’t want lenders prying into their credit history and desires the ultimate digital convenience when borrowing money.

You can choose from two options to access no credit check loans same day near me, from anywhere in the US. Either download the Viva Payday Loans app or use our website for a quick online application process that can get you no credit check loans same day!

Same Day Loans Without Bank Account

Same-day loans without a bank account are suited for unbanked Americans who don’t have a savings or checking account. Most lenders require borrowers to have an active bank account when borrowing money. At Viva Payday Loans, we’ll connect you with lenders who offer same-day loans without a bank account.

All you’ll need is a prepaid debit card, or you can choose to get funded through a cash app. There are no limits, and it all comes down to what you prefer!

Features of Same Day Loans

Payday Loans Online Same Day

With Viva Payday Loans, you’ll get the ultimate digital experience where you can borrow $255 payday loans online same day from wherever you are in the US. Many of the lenders you’ll be matched with at offer same-day payouts. Easily apply for same-day payday loans online with our quick online application process, and you can have money in your account before the end of the day.

Reputable Lenders for Same Day Loans

You’ll only be matched with licensed and reputable US payday lenders at Viva Payday Loans. It’s essential to only work with trustworthy lenders when you borrow money online to avoid the risk of hidden charges and getting scammed. We only work with reliable, transparent, and respectable lenders to guarantee your safety, security, and peace of mind when you borrow money through Viva Payday Loans.

The Federal Department of Credit (FDIC) also encourages you to make inquiries and perform your due diligence before getting into an agreement with a lender. Check out their reviews online, comments from previous customers, and call them to ask questions and find out if they’re easy to reach.

Flexible And Affordable Loan Amounts

Short and sweet same-day loans ranging from $100 to $5,000 are the main feature of Viva Payday Loans. Our amounts are flexible, and when you apply, you’ll be prompted to choose the amount you wish to borrow. You can select an affordable amount that is easy to repay based on your earnings and budget. Ensure you only borrow what you can comfortably repay.

Flexible Repayments

At Viva Payday Loans, you’ll get the option to choose the most suitable repayment schedule according to your lifestyle and the time you get paid. Repaying same-day loans will feel like a breeze. Payday lenders we work with via Viva Payday Loans will work with you to set up weekly, every two weeks, or monthly repayment frequencies.

Interest Rates

At Viva Payday Loans, we’ll only connect you to lenders who offer reasonable interest rates when you apply for same-day loans. Lenders often decide on the interest rate to charge a borrower based on the borrower’s risk profile. You should expect to be charged an interest rate between 5.99% and 35.99% by lenders at Viva Payday Loans

Charges and Fees

You can be assured that you’ll not find any hidden fees or charges among lenders at Viva Payday Loans. All our lenders are transparent about the total cost of same-day loans. You can be charged an establishment fee that comes off the top when your payout is processed. Always ask about this fee. It can vary from lender to lender and be capped to a specific limit by the lending regulations of your state.

Also, look ut for early payment, late payment, and overpayment fees. Lenders from Viva Payday Loans will clearly inform you of their expectations while entering a loan agreement.

Examples of Same Day Loans

Lender APR Loan Amount Min Credit Score Funding Time
LendUp 30.00 – 180.00% $100 – $500 None 24 hours
OppLoans 99% – 160% $500 – $4,000 Not Specified 24 hours
MyPaydayLoan 782.15% $200-$1,000 None Same Day
ACE Cash Express 399% $200 – $2000 Not Specified Same Day
Avant 9.95% to 35.99% $2,000 to $35,000 580 24 hours
Rise Credit 50.00 – 299.00% $500 – $5,000 None 24 hours

Advantages and Disadvantages Of Same Day Loans

Advantages of Same Day Loans

Borrow Money Online

With Viva Payday Loans, you can quickly borrow money online with an easy online application process. You can get same-day loans from the comfort of your home without having to look for storefronts or make endless calls to fill out a loan application. The closest place to borrow money is at if you’ve been looking for same day loans near me. The entire process takes place online in under five minutes!

All FICO Scores Accepted

Lenders we can connect you with via Viva Payday Loans help Americans with all kinds of credit scores get same-day loans. We match borrowers with credit scores ranging from bad to non-existent with suitable lenders for free! With Viva Payday Loans, you can say goodbye to being automatically rejected or denied a loan because of your credit score.

Instant Approvals On Same Day Loans

Most of the no credit check loans same day lenders offer at Viva Payday Loans are unsecured and can be approved regardless of your credit score. As such, you’ll get a response to your loan request in a matter of minutes. The last thing you want is to spend hours wondering whether you qualify for a loan or not. Fast approval is guaranteed provided you’re eligible and meet the requirements. With payday loans online same day deposit, there’s no waiting around for your money.

A Wide Pool Of Suitable Lenders

Through Viva Payday Loans, you can access many of the best lenders in the US who offer same-day loans with just one application form. We have an extensive panel of reputable lenders ready to receive your loan request. This ensures you have a higher chance of being connected with a suitable lender who will approve your loan request based on your financial situation, urgency, and needs. There’s no cost to you at all for this service.

Disadvantages of Same Day Loans

Costly Loan Option

Same-day loans are usually costly compared to other traditional loans.  They’re generally unsecured and pose a higher risk to the lender. Higher interest rates are charged as a risk mitigation strategy. A lender may choose to charge you the maximum rate for same-day loans based on your risk profile.

Easy Loans

Same-day loans are easy to qualify for and get approved at Viva Payday Loans. It’s easy to misuse the funds and buy unnecessary things you don’t need if you’re a spendthrift. With easy access to same-day loans comes the need for discipline in terms of use and payment. You have to ensure you only borrow what you need and repay according to the agreement to avoid penalties.

Eligibility Criteria For Same Day Loans

You should note that every lender will use their criteria when assessing your application for same-day loans. However, some essential eligibility criteria among lenders at Viva Payday Loans include;

  • Being at least 18 years of age.
  • Being a citizen of the US or having permanent residency, a valid long-term visa, or social security number.
  • Having a regular income that can be used to repay the loan.
  • Having a valid bank or checking account in your name.

Lenders at Viva Payday Loans will consider you as an individual since every borrower has a different profile. Lenders may also consider your credit rating, the income you get every month, your monthly expenses, lifestyle, and your job.

Application Process

To apply for same day loans at Viva Payday Loans,  follow these  easy steps;

Step 1: Gather Your Verification Documents

All reputable lenders in the US will need to verify your information and details before paying out the loan. Gathering and having your verification documents ready as you apply helps expedite your loan’s processing and approval. The documents you’ll need include;

  • Proof of where you live, such as utility or tax bills.
  • Identification proof such as a passport or driver’s license.
  • Proof of current income or cash flow can include bank statements, 1099s, tax returns, or W-2s.

Step 2: Fill In The Quick And Easy Online Application Form

Visit and carefully enter your details in our easy-to-follow online application form. Keep in mind that accuracy is paramount to avoid getting declined or rejected because of simple mistakes.

Select an amount you wish to borrow between $100 and $5,000, a suitable repayment period according to your capability, then fill in the following;

  • Personal details.
  • Financial details.
  • Monthly expenditure.

Rest assured that all information you share with Viva Payday Loans remains strictly confidential, safe, and secure. Ensure you read the terms, conditions, and privacy policy, then click on “Apply.”

Step 3: Await Approval In A Few Minutes

After submitting the filled-in application form, you should get a response on your loan request within 2 minutes tops! Many borrowers who apply through Viva Payday Loans get matched with suitable lenders swiftly, even with non-existent or inadequate credit scores.

You’ll quickly get to know whether your request has been granted or rejected, so you don’t waste time waiting.

Viva Payday Loans will connect you to a 3rd party lender directly as soon as you’re approved. The lender will then contact you through email or phone to request verification documents and finalize the process. Take the opportunity to ask questions about the loan and ensure you inquire about the terms, charges, fees, and any late, early, or overpayment penalties.

Step 4: Review Loan Agreement, Sign It And Get Funded

Once the lender has verified your details and information, they’ll send you a loan agreement containing the loan offer. It’s wise to ensure you always read through the fine print of loan agreements before you sign. Look out for;

  • The fees and charges in the contract.
  • The terms and conditions
  • The set repayment schedule.

If you’re satisfied with everything in the loan agreement, e-sign it and return it to the lender. After the lender receives the signed contract, you should get funds in your account on the same day you apply or within 24 hours at the latest.

FAQ’s About Same Day Loans

Are Same Day Loans And Payday Loans The Same?

No. Although most payday loans are paid out on the same day you apply, you can also get other types of loans on the same day. Viva Payday Loans offers different same-day loans you can choose from. They include secured loans, unemployed loans, benefit loans, guarantor loans, no credit check loans, and bad credit loans.

How Will I Know If Lenders Are Legitimate?

The first clue to telling whether a lender is legitimate is their transparency. A lender who hides information or details is questionable. They should have their contact details readily and clearly available, including their email address, phone number, website, and the physical address of their head office if available.

You should also check their reviews and comments from previous customers on their social media pages. You’ll soon find out whether it’s a scammer posing as a legitimate lender. Even if they’re legitimate, the comments and responses or lack thereof can tell you a lot about the kind of lender you’ll be dealing with.

Also, ensure you check the lender’s legitimacy and investigate their business in the Better Business Bureau (BBB), which reviews most lending businesses in the US. The BBB website provides general ratings on lenders, and you can find information on resolved and unresolved issues and claims. Most legitimate lenders will also be registered with a state agency, and you can contact them to confirm.

Why Are My Same-Day Loans Applications Getting Declined?

Your no credit check loans same day application can be rejected for various reasons. The most common cause is that you may have applied for loan amounts that the lenders think are too high for you to repay. Lenders can make such decisions by considering;

  • The stability of your income.
  • Your outstanding debts.
  • Your cash flow for every month.
  • Your monthly expenses vs. income.

How Do I Improve My Approval Chances For Same Day Loans?

If your application for same-day loans has been declined more than once, there are a few things you can do to improve your chances. These include;

  • Double-checking your application to ensure you haven’t made any mistakes.
  • Review your credit history for fraudulent activities or inaccuracy.
  • Request for smaller loan amounts.
  • Try to limit your monthly expenses and try again.
  • Pay down any outstanding debts to improve your credit score.
  • Offer collateral to secure the loan and reduce the lenders’ risk.
  • Increase your monthly income.
  • Appy for the loan with a guarantor or cosigner with a good credit rating and finances.

What Should Be My Income To Get Same Day Loans At Viva Payday Loans?

Although all lenders have their own requirements on the minimum you should be earning, most lenders require you get at least $1,000 in your account every month.

Can I Borrow $255 payday loans online same day From Any State In The US?

No. Currently, Viva Payday Loans does not offer same-day loans in the following states; Connecticut, Montana, New Hampshire, Vermont, South Dakota, Minnesota, West Virginia, Indiana, and Arkansas.

What Is The Interest Charged For Online Loans Same Day?

At Viva Payday Loans, we’ll connect you to lenders who charge interest rates between 5.99% to 35.99% APR. The rate you’re charged will be influenced by various factors, including your financial situation, credit score, income, the loan amount, and whether the loan is unsecured or secured.

How Much Can I Borrow In Emergency Same Day Loans?

At Viva Payday Loans, we’ll match you with lenders who offer payday loans online same day no credit check ranging from $100 to $5,000.

Can I Borrow More Than One Same Day Cash Loans?

Although it’s possible to borrow more than one same-day loan, it’s not recommended. This is because the repayments will compound and make it challenging to repay all the loans at once.

How Will I Repay Same Day Cash Loans?

When you apply through Viva Payday Loans, lenders will set up an automatic debit on your account to have the funds automatically deducted when you get paid. This makes it convenient for both parties since you’ll not have to worry about budgeting or missing payments, and the lender gets paid on time.