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Viva Payday Loans Reviews Compilation (2025)
Viva Payday Loans is an online loan broker service that connects borrowers with lenders offering short-term loans ranging from $100 to $5,000. As the name indicates, their core-business are payday loans.
Rather than being a direct lender, Viva operates as a matching service that helps potential borrowers find loan options through their network of third-party lenders.
Do We Recommend Viva Payday Loans?
Yes, we recommend Viva Payday Loans as a reliable financial institution. Keep reading to see the Viva Payday Loans Reviews Compilation in details.
How we rate Viva Payday Loans
| Category | Rating |
|---|---|
| Affordability | ⭐⭐ |
| Application process | ⭐⭐⭐⭐ |
| Loan terms | ⭐⭐ |
| Transparency | ⭐⭐⭐⭐⭐ |
| Customer support | ⭐⭐⭐ |
| Overall | ⭐⭐⭐ |
What You Need To Know About Viva Payday Loans
Before applying for a loan through Viva Payday Loans, it’s important to understand exactly what they offer and how their service works.
We’ve researched extensively to provide you with a comprehensive overview of this loan broker. Check out the main information:
| Characteristic | Viva Payday Loans |
|---|---|
| Company Type | Loan broker/matching service (not a direct lender) |
| Loan Amounts | $100 – $5,000 |
| Loan Terms | 2 – 24 months |
| APR Range | 5.99% – 35.99% |
| Approval Time | Decision within 2 minutes |
| Funding Time | Typically next business day (same day in some cases) |
| Credit Requirements | All credit scores considered |
| Minimum Income | $1,000 monthly |
| Age Requirement | 18+ |
| Application Process | 100% online |
| Operating Hours | Mon-Fri: 8am-10pm, Sat-Sun: 9am-10pm |
| States Not Served | Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, Minnesota |
Viva Payday Loans was created to help people in financial need access short-term loans quickly and efficiently. They achieve this through a platform that connects borrowers with potential lenders. This connection it’s completely free for the borrower.
Viva Payday Loans processes applications within minutes and provides borrowers with decisions almost instantly. Their service is designed to be accessible to people with all types of credit histories, including those with poor credit scores who might struggle to obtain loans through traditional banking institutions.
States Not Served
It’s important to note that Viva Payday is available for most of the United States, operating in 40 states. However, they don’t serve AR, CT, IN, NH, NY, MN MT, SD, VT nor WV.
Te best part is about the funding: the company emphasizes that most customers can receive funds in under 15 minutes once approved. This makes Viva Payday Loans an excellent option for those facing urgent financial needs.
Viva Payday Loans doesn’t charge applicants for using their service – instead, they receive commissions from the lenders in their network when a loan is successfully arranged. This business model allows them to offer their matching service to borrowers at no upfront cost.
Viva Payday Loans Requirements
Applying for a loan through Viva Payday Loans is designed to be straightforward and accessible. Their online application process takes just minutes to complete, and many applicants receive instant decisions.
Besides, getting approved for a loan through Viva Payday Loans is generally easier than through conventional financial institutions, but there are still some basic requirements you’ll need to meet:
Age Requirement – You must be at least 18 years old to apply for a loan through Viva Payday Loans.
Regular Income – You need to demonstrate a regular monthly income of at least $1,000. This doesn’t necessarily have to come from traditional employment – many lenders in their network will consider alternative income sources like disability benefits, self-employment, or retirement income.
Valid Identification – You’ll need to provide a government-issued photo ID to verify your identity.
Active Bank Account – An active checking or savings account with direct deposit capability is required for loan funds to be deposited and for automatic repayments to be processed.
Permanent US Address – You must have a permanent residence address in one of the 40 states Viva Payday Loan serves.
Contact Information – You’ll need to provide valid contact details, including a phone number and email address.
Items to be approved for Viva Payday Loans
Viva Payday Loans requirements are very simple, and approval rates are higher than traditional banks, making them an option worth considering for those who have been declined elsewhere. This might be enhanced by the fact that their partner lenders may consider borrowers with poor credit histories.
Understanding Viva Payday Loans Credit Check
Viva Payday Loans Credit Check is different – and that’s good news if your credit isn’t perfect. Most lenders in Viva Payday Loans’ network perform what’s called a “soft credit check” initially, which doesn’t impact your credit score.
This is different from the “hard pulls” that traditional banks do, which can drop your score by several points each time.
Viva Payday Loans’ lending partners typically evaluate income verification and employment stability. They want to see if you earn at least $1,000 monthly and if you have steady income. That said, perfect credit makes no difference.
They might also look at your banking history and at your credit history. But this would be a different look, since income verification and employment stability would do the trick.
All credit socres are welcome
If you’re struggling to get a loan, but has a low credit score, now is your time to shine! Viva Payday Loans does not look to your credit alone, but in your ability to pay off the debts.
Also, the credit check process is remarkably quick compared to traditional lenders. While a bank might take days to review your credit, Viva Payday Loans’ lending partners can usually complete their evaluation in minutes – not days or weeks.
Here’s a breakdown of what happens during Viva Payday Loans credit check process:
| Stage | What Happens | Timeframe |
|---|---|---|
| Initial application | Basic info collected | 2-3 minutes |
| Preliminary check | Soft credit pull (no impact on score) | Almost instant |
| Lender matching | Your profile is matched with potential lenders | 1-2 minutes |
| Final verification | Lender may do additional verification | Varies by lender |
If you’re worried about credit checks because of past financial problems, Viva Payday Loans might be your answer. Actually, for those with particularly challenging credit situations, some lenders in Viva’s network offer loans specifically designed for bad credit.
Steps to Apply for Viva Payday Loans
Ready to get the cash you need? Applying for a loan through Viva Payday Loans is straightforward and quick. Follow these simple steps and you could have money in your account as soon as tomorrow.
Viva Payday Loan Application Process
Steps
Step 1
Access Viva Payday Loan’s Platform
First thing is to go to Viva Payday Loan’s website. Click here to go directly to there with no mistakes.
Step 2
Determine Your Loan
Decide exactly how much money you need and how long you’ll need to pay it back. Viva Payday Loans offers:
- Loan amounts from $100 to $5,000
- Repayment terms from 2 to 24 months
Be realistic about what you can afford to repay. Taking out more than you need might seem tempting, but remember you’ll be paying interest on every dollar borrowed.
Step 3
Complete the Online Application
After selecting your loan conditions, click on Request Funds. Now you’ll have to fill an online form. It’s simple and quick, during 2-3 minutes.
You’ll need to provide:
- Personal information (name, date of birth, address)
- Contact details (phone number, email)
- Employment information
- Banking details for fund transfer
- Monthly income and expenses
Step 4
Make Your Decision
Once you submit your application, Viva Payday Loans’ technology goes to work matching you with potential lenders. This matching process happens almost instantly. Then, you’ll be presented with loan offers from lenders willing to work with your situation. Each offer will clearly outline:
- The loan amount you qualify for
- The interest rate and APR
- Total repayment amount
- Repayment schedule
- Any applicable fees
Step 5
Review and Accept Your Loan Offer
Take a moment to carefully review the loan terms before accepting. Pay special attention to:
- The total repayment amount (principal + interest + fees)
- When payments will be due
- Whether there are any penalties for early repayment
Once you’re satisfied with the terms, electronically sign your loan agreement. This creates a legal contract between you and the lender.
Step 6
Receive Your Funds
After accepting the loan offer, the lender will process your application and transfer funds directly to your bank account. Some lenders in Viva’s network offer same-day funding if you complete your application during regular banking hours.
Repay Your Loan
Most lenders in Viva Payday Loans’ network set up automatic repayments from your bank account. This means you don’t have to worry about remembering to make payments – they’ll be withdrawn automatically on the scheduled dates.
Make sure to keep enough money in your account to cover these payments to avoid any potential late fees or overdraft charges.
This entire process from application to funding is designed to be as simple and stress-free as possible – exactly what you need when facing financial pressure.
Is Viva Payday Loans Legit
If you’re looking for quick cash and considering this company, you’re probably wondering: “Is Viva Payday Loans Legit? Can I trust this company with my personal information? Will they actually help me get a loan?”
After analyzing all available information, including Viva Payday Loans reviews in the whole internet, we can confirm that Viva Payday Loans is a legitimate loan matching service.
Viva Payday Loans operates as a loan broker, not a direct lender. They’re run by Payday Ventures Ltd, a company registered in London, UK with a legitimate business address at 86-90 Paul Street, London, EC2A 3NE.
This is an important distinction because when you apply, you’re using their service to connect with actual lenders, rather than borrowing directly from Viva.
Here are several factors that establish their legitimacy:
1. Transparent Business Model
Viva Payday Loans clearly states they are a matching service, not a lender. Their website clearly explains: “Viva Payday Loans allows customers in the United States to have quick and easy access to the market of payday loans direct lenders only.”
2. A Free Service
They don’t charge applicants fees – instead, they earn commissions from lenders when successful matches are made. This business model is common in the industry and legitimate.
3. Regulated Privacy Practices
The company has a comprehensive privacy policy that explains how they collect and use personal information. They follow standard data protection practices for the financial industry, which includes:
- Secure data collection
- Clear explanation of how information is shared
- Options to opt out of marketing communications
- Compliance with relevant regulations
4. Clear Terms and Conditions
Viva Payday Loans provides detailed terms of service that outline your rights and responsibilities when using their platform. While payday loans typically carry higher interest rates than traditional loans, they disclose this information upfront.
Their representative example states: “If you borrowed $5,000 over a 48 month period and the loan had a 8% arrangement fee ($400), your monthly repayments would be $131.67, with a total pay back amount of $6,320.12.”
This transparency about costs is a sign of a legitimate operation.
5. Established Online Presence
Viva Payday Loans has been operating for several years and maintains a professional website with customer support options. Their customer service is available 7 days a week with extended hours (Monday-Friday: 8am-10pm, Saturday-Sunday: 9am-10pm).
6. State Regulation Compliance
Viva Payday Loans doesn’t operate in states where their business model would violate local lending laws. According to their website, they don’t provide services in: Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, or Minnesota.
This selective operation demonstrates compliance with varying state regulations – another indication of legitimacy.
Alternatives to Viva Payday Loan
While Viva Payday Loans offers a legitimate service for quick cash needs, it might not be the perfect fit for everyone’s financial situation. Different lenders have different strengths, and the best choice depends on your specific circumstances, credit profile, and how quickly you need the funds.
If you’re looking for options beyond Viva Payday Loans, it’s worth exploring alternatives that might offer better rates, different loan terms, or features that better match your needs. Check out some alternatives to Viva Paydya Loan.
Your Premier Lending
Your Premier Lending is also a Loan Broker, as Viva Payday Loans. But you an find offers up to $20,000 an terms up to 6 years. So, if you need cash for a long-term condition, they can be a better solution.
5k Funds
If you don’t have a perfect credit, 5k Funds can be the best option. They’re know for loans without a credit check, offering up to $35,000.
Chosen 81,486 times- Check Rates without Credit Impact
- No Minimum Credit Score
- Large Network of Lenders
Min Loan Amount500
Max Loan Amount35000
Lowest APR5.99
Highest APR35.99
Min Loan Term2 Months
Max Loan Term6 Years
Accepts bad credit:Yes.
Minimum Age18
OppLoans
OppLoans is not the lowest APR you’ll find, but they have a funding as fast as you can say I need money, and also without a credit check.
Chosen 13,189 times- Fast funding
- No credit checks
- Loans from $500 to $5,000
- Bad credit loans available
Min Loan Amount500
Max Loan Amount4000
Lowest APR160.00
Highest APR179.00
Min Loan Term1 Year
Max Loan Term1 Year , 6 Months
Accepts bad credit:Yes.
Minimum Age18
Remember, no matter what type of credit or company you’re considering, Financer.com’s Loan Finder is a free tool that helps you compare multiple offers in one place with just a few clicks. It’s an easy way to shop around and potentially find better rates and terms.
Viva Payday Loans FAQ
What Are the Interest Rates and Fees for Viva Payday Loans?
Viva Payday Loans’ lending partners offer APRs ranging from 5.99% to 35.99%, with the actual rate depending on your financial profile. A representative example shows a $5,000 loan over 48 months with an 8% arrangement fee ($400) would have monthly payments of $131.67, totaling $6,320.12 in repayments. Some lenders may charge origination fees between 1-10% of the loan amount. Remember that payday loans typically carry higher rates than traditional bank loans due to their short-term nature and accessibility to borrowers with challenging credit.
What Credit Score Do I Need for Viva Payday Loans Approval?
Viva Payday Loans works with lenders who consider applications from borrowers across the entire credit spectrum, with no strict minimum score requirement. Unlike traditional banks that might require scores of 670+, many lenders in Viva’s network approve borrowers with scores as low as 500 or even lower in some cases.
How to Apply for Viva Payday Loans Online?
Applying for a Viva Payday Loans takes just minutes through their streamlined online process. Their digital application can be completed in approximately 2 minutes, with decisions typically provided within minutes rather than days. Simply visit their website, select your desired loan amount ($100-$5,000) and term (2-24 months), complete the application form with your personal and financial details, receive an instant decision, review your loan offer if approved, and accept the terms electronically. Upon approval, funds are typically deposited into your bank account by the next business day.
What Are the Repayment Terms for Viva Payday Loans?
Viva Payday Loans offers flexible repayment terms ranging from 2 to 24 months, depending on the loan amount and lender. Most borrowers select terms between 3-6 months for smaller loans under $1,000, while larger amounts typically extend to 12-24 months. Payments are typically structured as automatic withdrawals from your bank account on your scheduled pay dates (weekly, bi-weekly, or monthly). The specific repayment schedule will be clearly outlined in your loan agreement, and some lenders may offer early repayment without penalties.
Can I Get Viva Payday Loans With Bad Credit?
Yes, Viva Payday Loans specializes in connecting borrowers with challenging credit histories to willing lenders. Their network includes lenders who approve applicants with FICO scores below 600, focusing more on current income than past credit mistakes. Instead of traditional credit assessment, these lenders emphasize your ability to repay based on your current income (minimum $1,000 monthly), employment stability, and banking history. While approval isn’t guaranteed, their service significantly increases your chances compared to conventional bank applications.
What Is the Maximum Loan Amount at Viva Payday Loans?
Viva Payday Loans offers loans ranging from $100 up to $5,000, with the maximum amount depending on your financial profile and the state where you reside. First-time borrowers typically qualify for $300-$1,000, while returning customers with good repayment history may access the full $5,000 limit. The amount you qualify for depends on your monthly income (minimum $1,000), employment stability, credit profile, and existing debt obligations. Larger loan amounts generally require stronger financial credentials and may come with longer repayment terms.
