Viva Payday Loans Review and Complete Guide (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, the company operates as a matching service that helps potential borrowers find loan options through their network of third-party lenders.

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:

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.

The company 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.

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.

The company 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.

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 is generally easier than through conventional financial institutions, but there are still some basic requirements you'll need to meet:

Items to be approved

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.

Viva Payday Loans Credit Check is different - and that's good news if your credit isn't perfect. Most lenders in their 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.

Their 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.

Also, the credit check process is remarkably quick compared to traditional lenders. While a bank might take days to review your credit, their lending partners can usually complete their evaluation in minutes - not days or weeks.

Here's a breakdown of what happens during this credit check process:

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 their network offer loans specifically designed for bad credit.

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.

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.

If you're looking for quick cash and considering this company, you're probably wondering: can I trust this company with my personal information? Will they actually help me get a loan?"

After analyzing all available information, including reviews in the whole internet, we can confirm that Viva Payday Loans is a legitimate loan matching service.

The company 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

The company 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:

​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

It 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

It 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.

While the company 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. 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.

Upstart

Upstart has a similiar APR range, but you can get up to $50,000. Besides, they offer fast funding and no repayment penalty fees.

Remember, no matter what type of credit or company you're considering, Financer'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.