{"id":50502,"date":"2023-12-27T10:21:00","date_gmt":"2023-12-27T18:21:00","guid":{"rendered":"https:\/\/financer.com\/?post_type=company_single&p=50502"},"modified":"2025-03-23T11:35:38","modified_gmt":"2025-03-23T18:35:38","slug":"viva-payday-loans","status":"publish","type":"company_single","link":"https:\/\/financer.com\/company\/viva-payday-loans\/","title":{"rendered":"Viva Payday Loans Reviews Compilation (2025)"},"content":{"rendered":"\n

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<\/a>.<\/p>\n\n\n\n

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.<\/p>\n\n\n

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Do We Recommend Viva Payday Loans?<\/h3>

Yes, we recommend Viva Payday Loans as a reliable financial institution. Keep reading to see the Viva Payday Loans Reviews Compilation in details.<\/p>

\n\t Apply for a loan now <\/a>\n\t<\/p><\/div>\n\n\n

How we rate Viva Payday Loans<\/h2>\n\n\n\n
Category<\/th>Rating<\/th><\/tr><\/thead>
Affordability<\/td>\u2b50\u2b50<\/td><\/tr>
Application process<\/td>\u2b50\u2b50\u2b50\u2b50<\/td><\/tr>
Loan terms<\/td>\u2b50\u2b50<\/td><\/tr>
Transparency<\/td>\u2b50\u2b50\u2b50\u2b50\u2b50<\/td><\/tr>
Customer support<\/td>\u2b50\u2b50\u2b50<\/td><\/tr>
Overall<\/td>\u2b50\u2b50\u2b50<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

What You Need To Know About Viva Payday Loans<\/h2>\n\n\n\n

Before applying for a loan through Viva Payday Loans, it’s important to understand exactly what they offer and how their service works.<\/p>\n\n\n\n

We’ve researched extensively to provide you with a comprehensive overview of this loan broker. Check out the main information:<\/p>\n\n\n\n

Characteristic<\/th>Viva Payday Loans<\/th><\/tr><\/thead>
Company Type<\/td>Loan broker\/matching service (not a direct lender)<\/td><\/tr>
Loan Amounts<\/td>$100 – $5,000<\/td><\/tr>
Loan Terms<\/td>2 – 24 months<\/td><\/tr>
APR Range<\/td>5.99% – 35.99%<\/td><\/tr>
Approval Time<\/td>Decision within 2 minutes<\/td><\/tr>
Funding Time<\/td>Typically next business day (same day in some cases)<\/td><\/tr>
Credit Requirements<\/td>All credit scores considered<\/td><\/tr>
Minimum Income<\/td>$1,000 monthly<\/td><\/tr>
Age Requirement<\/td>18+<\/td><\/tr>
Application Process<\/td>100% online<\/td><\/tr>
Operating Hours<\/td>Mon-Fri: 8am-10pm, Sat-Sun: 9am-10pm<\/td><\/tr>
States Not Served<\/td>Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, Minnesota<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

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.<\/p>\n\n\n\n

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.<\/p>\n\n\n

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States Not Served<\/h3>

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.<\/p><\/div>\n\n\n

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.<\/p>\n\n\n\n

Viva Payday Loans doesn’t charge applicants for using their service \u2013 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.<\/p>\n\n\n

Click here to apply now<\/a><\/div>\n\n\n\t\t

Compare loans from 48 lenders<\/h3>

Find the cheapest rate with one click<\/p>

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Viva Payday Loans Requirements<\/h2>\n\n\n\n

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.<\/p>\n\n\n\n

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:<\/p>\n\n\n

    Items to be approved for Viva Payday Loans<\/h3>

  1. Age Requirement<\/strong>\u00a0– You must be at least 18 years old to apply for a loan through Viva Payday Loans.<\/p>\n<\/li>

  2. Regular Income<\/strong>\u00a0– 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\u00a0disability benefits, self-employment, or retirement income.<\/p>\n<\/li>

  3. Valid Identification<\/strong>\u00a0– You’ll need to provide a government-issued photo ID to verify your identity.<\/p>\n<\/li>

  4. Active Bank Account<\/strong>\u00a0– 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.<\/p>\n<\/li>

  5. Permanent US Address<\/strong>\u00a0– You must have a permanent residence address in one of the 40 states Viva Payday Loan serves.<\/p>\n<\/li>

  6. Contact Information<\/strong>\u00a0– You’ll need to provide valid contact details, including a phone number and email address.<\/p>\n<\/li><\/ol><\/div>\n\n\n

    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.<\/p>\n\n\n

    Click here to apply now<\/a><\/div>\n\n\n

    Understanding Viva Payday Loans Credit Check<\/h2>\n\n\n\n

    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.<\/p>\n\n\n\n

    This is different from the “hard pulls” that traditional banks do, which can drop your score by several points each time.<\/p>\n\n\n\n

    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.<\/p>\n\n\n\n

    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.<\/p>\n\n\n

    <\/div>

    All credit socres are welcome<\/h3>

    If you’re struggling to get a loan, but has a low credit score, now is your time to shine!\u00a0Viva Payday Loans does not look to your credit alone, but in your ability to pay off the debts.\u00a0<\/p><\/div>\n\n\n

    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.<\/p>\n\n\n\n

    Here’s a breakdown of what happens during Viva Payday Loans credit check process:<\/p>\n\n\n\n

    Stage<\/th>What Happens<\/th>Timeframe<\/th><\/tr><\/thead>
    Initial application<\/td>Basic info collected<\/td>2-3 minutes<\/td><\/tr>
    Preliminary check<\/td>Soft credit pull (no impact on score)<\/td>Almost instant<\/td><\/tr>
    Lender matching<\/td>Your profile is matched with potential lenders<\/td>1-2 minutes<\/td><\/tr>
    Final verification<\/td>Lender may do additional verification<\/td>Varies by lender<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    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\u00a0loans specifically designed for bad credit<\/a>.<\/p>\n\n\n

    Click here to apply now<\/a><\/div>\n\n\n

    Steps to Apply for Viva Payday Loans<\/h2>\n\n\n\n

    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.<\/p>\n\n\n

    Viva Payday Loan Application Process<\/h3>

    Steps<\/h4>
    1. Access Viva Payday Loan’s Platform<\/a><\/div>
    2. Determine Your Loan<\/a><\/div>
    3. Complete the Online Application<\/a><\/div>
    4. Make Your Decision<\/a><\/div>
    5. Review and Accept Your Loan Offer<\/a><\/div>
    6. Receive Your Funds<\/a><\/div>
    7. Repay Your Loan<\/a><\/div>