Viva Payday Loan – How to get Loan in 2024 from them?

When you need loans, you may end up with the long application process and starts thinking about your credit scores. So it is better to find out where you can get them instantly. Most people don’t want to be delayed when they want to take out a loan. Also, finding the right lender is essential; find someone who will understand your needs. Here the role of vivapaydayloan comes, If you want to know how to borrow loan from them, what is the APR, Who is Eligible then stay with this article until the end.

What is Viva payday loan?

Every lender in the United States needs to run a credit check on their borrowers, so it’s hard for people with bad credit to find proper lenders. Viva Payday Loans can be available even for bad-credit borrowers. They provide loans that come at a low interest rate and are meant for those who have bad credit histories; their APR starts at 5.99%.

Viva payday loan

How to get loan from Viva payday loan?

To get a loan from Viva Payday, you will need to go through three simple steps.

Step 1- Visit to get loan.

Step 2- Now on the homepage you will see “How much Cash” section select the amount.

vivapayday loan

Step 3- After selecting the amount, you will be redirected to the new page where you will need to enter the asked details like your name, email address, DOB, etc.

Step 4- After Entering all the details correctly, Click on the next button given there.

payday loan

Step 5- This is the four steps process. In step 1, you need to add your details. In step 2, you need to Register yourself. In step 3, you need to Identify yourself and in the last step you will receive the money.

What is the application Process?

vivapayday loan application process
Image Source – Vivapayday
  • They have a loan form that you can use to let your lenders know how much you need for yourself. You can ask for loans up to $5000, and that can be for a period of 3–12 months.
  • Certain details need to be furnished so that the lenders can be sure you are eligible for the loan.
  • After you submit the application form, it will only take the organization 2 minutes to confirm if you will receive a loan from them.

Who is Eligible?

Before starting the loan application process you must know if you are eligible for it or not. There are some basic requirements that you must fulfil if you want the loan from them. Lets look into them.

  1. You must be 18 years old.
  2. You must be earning more than $1000 per month.
  3. You must be the Permanent resident of the United States.
  4. You should have a Saving or checking account.

Do payday loans check your credit?

Payday loans don’t get listed on credit reports. The lenders won’t also run a routine credit check on you. So, there won’t be any hard inquiries on your credit report. Also, once you get a loan from them that too will not get reported to the credit reporting agencies.

Example of Payday loan

If you need a Payday loan from Viva, you need to understand a few facts;

  • Amount of loan: $100 to $5,000
  • Loan term: 16 days to 1 year
  • Time duration for receiving funds: 15 minutes or on the same day
  • Establishment fee: Applicable on loans less than $2,000 and is 20%.
  • Monthly fee on loans less than $2,000 is 4%
  • Interest rate for loans above $2,000 is 48%

Viva payday loan reviews Payday loans are expensive, and people should use caution when taking them. High fees and rates are applicable. Lenders are not reputable, and there is a chance your credit score might be impacted.

Viva Payday Loan Reddit Reviews

The reviews related to Viva payday loan are mixed on reddit. Mostly complaints of the high interest rate but some says they have a good experience with them. Always check the reviews and other details before applying for the loans.

viva payday loan reddit reviews
payday loan reviews

Contact Details

Email Address[email protected]
TimingMon – Fri: 08:00 – 22:00
Sat & Sun: 09:00 – 22:00

FAQs (Frequently Asked Questions)

Is Viva payday loans legit?

Viva payday loans are absolutely legitimate and offer a cushion, but they can cost you a lot if and when you can’t afford a timely repayment..

Which payday loan gives the most money?

Lend You is one of the biggest platforms to offer easy and quick loans.

Can payday loans hurt your credit?

Usually payday loans are not reported to the credit bureaus, but if some lender reports them, it can hurt your credit scores..

How much do payday loans give you?

Loan amounts can be anywhere between $50 and $5,000, and payday loans are generally granted quickly, so you should think before you take up a payday loan as they have a high rate of interest..

Are payday loans easy to pay back?

They usually have a high rate of interest and can easily burden people who already don’t have enough.


Here’s a bit about what you must know about Viva Payday Loans and some general questions around payday loans. If you plan to take one, ensure you are quick enough to return it, as it can cost you a sum if you fail to do so.

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Joe Lombardi
Joe Lombardi
Joe Lombardi is a dynamic author known for his out-of-the-box thinking and creative prowess. With a track record of successfully initiating and delivering projects, he thrives in minimal supervision environments. Joe's ability to strategize, write, edit, and proofread is unmatched

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