Viva Payday Loans Review | Compare Loan Options | Credit Raters us-lenders
Last updated: 2nd Apr 2020

Viva Payday Loans Review 2020

What happens when you can’t pay your rent or feed your family because of unexpected financial difficulties? Payday loans are an ideal solution to all your financial crisis that can’t wait till tomorrow. You’ll also find that payday loans lenders will deposit the money into your account on the next business day.

If you are at a similar financial crisis and aren’t sure where to find help, Viva Payday Loans is an excellent marketplace worth trying. Viva Payday Loans is an online lending platform that connects borrowers to potential lenders. The good thing about Viva Payday Loans is that they accept all credit profiles. The application process is simple with fundamental minimum requirements.

Before you apply, it’s essential to understand all its features, terms and conditions. This review covers all the details you need to know.

How much do Viva Payday Loans cost?

The good thing with Viva Payday Loans is that they give you an approximate of what to expect from their loans. In Viva Payday website, you’ll find a quick estimate calculator that allows you to test different loan amounts and repayment terms. The calculator gives you an estimate of the amount that you’ll have to pay back. Here is a quick summary of what Viva Payday Loans entail;

  • Loan amount – $100 to $5,000
  • Initial Maximum loan amount – $1,000
  • Loan term 3 to 6 months
  • APR – 5.99% to 35%

Features of Viva Payday Loans

While the internet is a resourceful place to find solutions, it’s also quite dangerous. The legitimacy of any parties is, therefore, the number one factors to keep an eye on. As with Viva Payday Loans, they are legitimate and adhere to all the state rules and regulations.

Besides, the application process only takes about 5 to 10 minutes. After submitting your loan application, it takes less than 2 minutes to be matched with a suitable lender. Again, Viva Payday Loans don’t offer loans based on specific purposes. Whatever purpose you will use your loan on is up to you. You can pay bills, refinance other loans, take vacations, or pay medical emergencies.

Viva Payday Loans accept both excellent and poor creditworthiness. While poor scores may attract high-interest rates, as long as you are able and willing to repay the loan, then you may be considered. However, Viva Payday Loans won’t offer you a loan if you don’t have a steady source of income.

Since all the Viva Payday Loans are unsecured, they want to make sure you have a good source of income to enable you to repay the loan.

Here are some of the upsides and downsides of using Viva Payday Loans;


  • No collateral
  • Easy and quick application process
  • Fast funding
  • Accepts all credit profiles
  • Favorable repayment terms


  • Must have a steady source of income of $1,000 or more


How much can I qualify for?

The initial maximum loan amount you can qualify for with Viva Payday Loans is $1,000. However, return customers with good repayment history can access up to $5,000. The minimum amount of credit is $100.

What are the repayment terms? What happens if I don’t pay in time?

Viva Payday Loans repayment terms are flexible and ranges between 16 days to 1 year. If you worried that you might miss a payment, the best way to go about it is to contain the lender. You may be offended an extension. On the other hand, a late repayment fee may be imposed.

How long does it take for my loan to be funded?

At Average, it takes between 1 to 2 business days for your loan to be deposited into your bank account.

Eligibility Criteria

All borrowers must meet some basic requirements before they can be considered for a loan. They include;

  • Must be 18+ years old
  • Must have been employed for the last 3 months
  • Have an active bank account
  • A monthly minimum income of $1,000

State availability

Viva Payday Loans offer Payday loans to all the states of the United States except;

  • Montana
  • New york
  • South Dakota
  • West Virginia
  • Indiana
  • Minnesota
  • New Hampshire
  • Arkansas
  • Connecticut
  • Vermont

Customer support

Viva Payday Loans customer support team is very responsive and will guide you through any challenges or assistance you can wish to have. As well, they will reply to all your queries timely.

The application process

To apply for a loan with Viva Payday Loans, visit the website application page and click Apply Now. Here, you are required to enter your personal and financial information. You may be requested to provide;

  • Your full name
  • Email address
  • Driver’s license number
  • Date of birth
  • Bank checking account
  • Social Security Number
  • Residential address
  • Active Phone Number
  • Income information

After filling all the required fields, click submit and wait for a response. Within a few minutes, you’ll be matched with an ideal lender based on your financial needs.

If you select a specific lender, you will be directed to the lender’s website for further assistance.

Here, you may be requested to provide proof of income and personal information for verification purposes. They may include;

  • Valid identification documents – they may include your State license, voters ID, Driver’s license, or passport.
  • Proof of residence – provide proof of utility bills, house registration certificate, or a rent deed.
  • Bank statements – 3 consecutive months

If the lender is comfortable with your application, you’ll be offered a loan offer and agreement to sign. Ensure that you read your loan agreement thoroughly before signing. Only sign the deal if you’re comfortable with all the details. Otherwise, you are not under any obligation to sign the loan agreement if you don’t wish to move forward.


In summary, a Viva Payday Loans is a great marketplace to solve almost your financial problems. Regardless of your credit ratings, state, or financial needs, you can try your luck today with Viva Payday Loans.