Payday Loans | 5 Best Payday Loans Online in 2021


Ever considered using online payday loans to get you through tough times? Financial hurdles have a nasty habit of cropping up at the most inopportune times, don’t they? Rest assured that most people encounter an urgent financial crisis at some point in their lives – even the most prepared among us! And when financial urgency arrives, it can bring a double helping of stress with it.

In such situations, a payday loan is a suitable option – in fact, it’s possibly the most viable option! You won’t even have to worry about finding a physical storefront, thanks to advancements in technology. Most of the best lenders in the US are now online, and you can borrow payday loans online with a few simple taps and slides on your mobile phone’s screen.

Don’t be discouraged if you have a bad credit score or you’re unemployed. Some specialized lenders can help you get fast, guaranteed no credit check loans regardless of your credit history or employment status. All that matters is affordability.

While there’s no shortage of money lending platforms online, only a few are legitimate, and finding the most suitable one for your situation can be daunting. But don’t sweat, we’ve got you!

In this ultimate payday loans online guide, we’ll review some of the best, most trustworthy, and reliable platforms in the US that connect you with direct lenders who offer online payday loans. You’ll get to learn what payday loans are, how to qualify, common uses, the best payday loans for your situation, types of payday loans, and the states where you can or can’t get a payday loan.

To ensure you make an informed decision, we’ll also review the advantages and disadvantages of payday loans and how to get payday loans from direct lenders. So, relax and read on to find the best platform for your needs in no time!

#1 Payday Loan in 2021 – Viva Payday Loans

Best Payday Loans Online – Quick Pick

  1. Viva Payday Loans – Overall Best Payday Loans Online. Visit Now.
  2. Credit Clock – Good for Payday Loans Online with Bad Credit. Visit Now.
  3. Money Lender Squad – Good for Payday Loans Online Instant Approval. Visit Now.
  4. Very Merry Loans – Good for Payday Loans Online Quick Deposit. Visit now.
  5. Heart Paydays – Good for Payday Loans Online Unemployed. Visit Now.

What Are Payday Loans?

True to their name, online payday loans are short-term loans that you must repay when you get paid. They’re suitable if you need something to get you through to your next payday, cover an urgent financial need, or quick cash to get something you want.

Payday refers to the day you receive funds from any source, not just a paycheck. It includes any income you regularly receive, including unemployment benefits, pensions, self-employment earnings, or allowances.

The best payday loans come in various shapes and sizes, which we’ll explore further in the types of payday loans section.

A payday loan is quick and easy to repay to ensure you’re not indebted for long. For the ultimate convenience, lenders will set up an automatic debit on your account, so you’re not constantly worrying about budgeting for repayments or missing them. Your income or salary takes care of it when it enters your account!

A payday loan features incredibly fast disbursements, and you can get funded on the same day you apply. Getting approved is relatively easy, even if you have a bad credit score. Lenders will typically assess your affordability based on your current income and expenses when deciding whether to advance the loan.

How To Qualify for Payday Loans (Eligibility Criteria)

You don’t require much to be eligible for payday loans in the USA. While most lenders will use their criteria to determine eligibility, the most basic qualification requirements include:

  • 18-years of age or older.
  • A valid identification (ID)
  • Proof of regular income.
  • Proof of residential address.
  • Have an active checking or savings account.

Common Uses of Payday Loans Online

You can use a payday loan however you like without any restrictions. You can get one depending on what you want, and as a rational borrower, you should make appropriate spending decisions based on your needs. Common uses include:

Relieving Financial Distress

No one is immune to the conditions that necessitate borrowing, with unemployment and low income only exacerbating such situations. Many individuals suffer financial distress in periods of unemployment.

High unemployment rates and financial difficulties have resulted from the Coronavirus pandemic. With the end of the CARES Act in early September, many Americans remain in financial distress.

Having limited funds to make ends meet can be mentally and emotionally draining, especially when your funds get depleted before your subsequent income and expenses or bills start piling up. In such situations, payday loans are an attractive option. They’ll help you:

  • Get the funds you need in a short period with minimal delay.
  • Live a decent lifestyle free of excessive and unnecessary suffering.
  • Improve your overall well-being by allowing you to meet your urgent needs and break the feeling of uselessness. While it’s only a temporary solution, it has a substantial psychological impact that gives you hope in the face of uncertainty.

Consolidating Debt

If you’re struggling with other types of loans like credit cards, you can take out a payday loan to pay them off all at once and remain with only one debt to repay. This is known as debt consolidation, and it allows you to combine your debts and pay them off with a loan to give you relief and help you regain control of your finances.

Taking out a payday loan to consolidate debt makes sense if the interest rates are lower than the rates of your current, multiple debts. Making monthly payments for various, high-interest debts can be overwhelming. Payday loans make it possible to pay them off and remain with one manageable monthly payment.

Personal Needs

Online payday loans can help you cover different personal financial needs and purchases, especially around the holidays. Giving is the best expression of love. When a holiday like Christmas catches you short of cash, you may wonder how you’re going to afford all those gifts.

Payday loans online provide an avenue for fast cash as you wait to receive your income. If you’d rather avoid explaining to a toddler why you can’t afford gifts when Santa supposedly gives them freely, then a payday loan makes sense. The important thing is to ensure you borrow responsibly, choosing amounts you can comfortably afford.

Improving Credit

Getting a loan from traditional lenders like banks can be a challenge when you have bad credit. They only lend to borrowers with excellent credit scores and hardly approve loans for those with negative or inadequate credit scores.

Payday loans lenders consider more than your credit score when assessing your application. You can get payday loans online with bad credit, and they’ll help you improve your credit score provided you repay diligently. Bad credit payday loans are small and easy to repay. Your credit score will be turning positive in no time, showing lenders you’re reliable and helping you qualify for even higher loan amounts.


Most times, emergencies will catch you offside or inadequately prepared. It’s often the case with medical emergency expenses that come with considerable costs depending on the needed treatment.

A payday loan can come to the rescue if you don’t have insurance or enough savings to cover the cost. Like most debts, medical bills can build interest if you don’t clear them straight away. A payday loan can provide quick cash to cover any balances then you can sort it out once you receive your income.

Best Payday Loans Online – Fully Reviewed

1. Viva Payday Loans – Overall Best Payday Loans Online

Viva Payday Loans was established to help everyday Americans access fast payday loans when they need them most. Findings from the latest Survey of Household Economics and Decision-making (SHED) show that 36% of all Americans had difficulty paying a $400 emergency expense at the end of 2020.

Viva Payday Loans comes in in such situations to help you solve financial needs with quick approvals. They provide you with the ultimate convenience of borrowing money online from anywhere. You can borrow at any time, and only minimal effort is required to get the job done.

  • Flexible Loan Amounts
  • Flexible Repayments
  • Instant Approval and Disbursement
  • All Credit Scores Welcome

Viva Payday Loans allows you to borrow from $100 to $5,000, ensuring you have the option to take out what you can afford. They make it easy for borrowers by providing access to short and sweet loans that are quick and easy to repay.

There’s no point in taking out unaffordable loan amounts that will put you in trouble, and it’s recommended you only borrow what you need. With years of experience helping customers in financial difficulties, Viva Payday Loans do their best to serve any unique requests you may have.

Lenders at Viva Payday Loans provide flexible repayment periods from 2 to 24 months. You’re free to choose when you make loan repayments or the schedule according to your earnings and lifestyle. You can select frequencies of weekly, fortnightly, or monthly repayments.  If you take out a substantial amount, you can choose several months to repay, and if it’s only a small amount, you can select a few weeks.

Viva Payday Loans understands that time is of the essence, and they’ll never keep you waiting for a decision. They’ve designed an online system that provides instant outcomes on loan applications. Once you submit your application, a decision in under two minutes is guaranteed. If you’re approved, you’ll be connected to the lender directly to finalize the process and await funding within 24 hours. Viva Payday Loans has a comprehensive panel of the best direct lenders in the US, and they’ll connect you to them free of charge.

Note that Viva Payday Loans will not give you loans themselves. They link you directly to suitable direct lenders who fit your specific circumstances. Through cutting-edge technology, Viva Payday Loans matches borrowers with lenders who can meet their needs.

With Viva Payday Loans, you’re sure to discover a lender who meets your requirements and find a loan as quickly as possible. They also feature a wide range of options and welcome Americans with all kinds of budgets and credit scores. You can apply for loans like no credit check, bad credit loans, or unemployed loans with a few simple steps.

Simply fill out the online application form, get matched instantly, and wait for a suitable lender to decide within a few minutes. Once you’re approved, simply sign the agreement and get funded on the same day you apply or the next business day at the latest.

Viva Payday Loans welcomes all eligible Americans regardless of their credit history. You’re guaranteed no judgments or discrimination because of your credit scores. Gone are the days when l0w credit scores spelled doom to your loan applications.

Lenders at Viva Payday Loans help American borrowers with all kinds of FICO scores, including the very low and non-existent ones.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


  • Flexible loan amounts
  • Flexible repayments
  • Instant approval and disbursement
  • All credit scores welcome


  • Not available in certain states

Viva Payday Loans allows you to leave tedious and frustrating loan application experiences behind. The platform ranks as the overall best for payday loans online by ticking all the right boxes.

With a simple application, you can apply for payday loans with the top direct lenders in the US in a matter of minutes and get funded within 24 hours. No worrying, nail-biting, or wondering about the outcome of your loan application regardless of your credit score or budget.

2. Credit Clock – Good for Payday Loans Online With Bad Credit

Credit Clock is the go-to lender if you’ve faced a hard time getting a payday loan because of bad credit history. They have a vast network of direct lenders, and they strive to assist Americans with bad credit get much-needed financial assistance.

  • All Credit Scores Accepted
  • Access To Many Specialized Lenders
  • Dependable

Creators of the Credit Clock platform had bad credit borrowers in mind. Like Viva Payday Loans, they’re not lenders. They only connect borrowers who need loans to suitable and reputable direct lenders. Thanks to their vast network, they give you access to specialized lenders who offer payday loans with bad credit.

With bad credit, it can be challenging to find lenders who will even consider your loan request. Credit Clock will help you forget about your fears by helping you find a loan regardless of your credit history. Their lenders are understanding and will never reject your application automatically based on your credit score.

Credit Clock quickly connects you to a comprehensive panel of direct lenders specializing in advancing bad credit payday loans. Their extensive network of specialized lenders gives them an advantage in the lending market and allows them to help a wide variety of Americans.

Best of all, using their services and getting access is free of charge, so you have nothing to lose!

If other platforms or lenders have denied you a loan or rejected your application, you’re guaranteed better luck with Credit Clock. They provide the best possible assistance to bad credit borrowers and even those with no credit history to speak of. When assessing your payday loans application, they consider more than your credit score and base their decision on current facts.

Instead of concentrating on your past financial troubles, they look at how you handle your finances now and your affordability based on current income and expenses. Whether you have a terrible, poor, or non-existent credit score, Credit Clock is your best bet for accessing credit options.

They feature a fast and easy online application process that captures your details and allows Credit Clock to understand your situation and needs. They then forward your request to a suitable direct lender from their network who makes a lending decision within minutes. Once you’re approved, all you have to do is review and accept the offer and await funding within 24 hours.

Credit Clock also offers guidance on the loan application process, how you can avoid future debt and how to repay quickly and efficiently to improve your credit score.

Credit Clock is only a platform that connects borrowers to lenders, and the rates and terms you get are at the lender’s discretion. Different lenders have varying terms and rates for bad credit borrowers, and some may view you more positively than others.

Some may cap the amount they can offer for payday loans bad credit, while others may charge the maximum interest rate depending on your level of risk. It’s wise to shop around before accepting an offer, and Credit Clock will help you get the best payday loans online.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


  • All credit scores accepted
  • Access to many specialized lenders
  • Dependable


  • Rates and terms vary from one lender to the next

Thanks to Credit Clock, the financial troubles of your past can no longer affect your access to financial help right now. Whether you defaulted on an account or were bankrupt many years ago, all that matters are the current facts. They’ll treat you as an individual, no matter your circumstances, so you don’t have to worry about your past financial hurdles.

If you have a bad credit score and need access to quick payday loans, don’t shy away from checking out Credit Clock!

3. Money Lender Squad – Good for Payday Loans Online Instant Approval

Money Lender Squad is a third-party platform that matches direct lenders with borrowers online for payday loans with instant approvals. If you’re looking for a safe and secure way to apply for fast payday loans online, is the place to go.

You’ll get access to a network with a wide range of lenders of varying scope and sizes. When you apply through Money Lender Squad, you’re not borrowing from the company. Instead, they connect you with suitable lenders based on your circumstances and needs.

  • Rapid Approvals
  • Easy To Use Website
  • Privacy And Security Guaranteed

Money Lender Squad’s website features a customer-oriented and easy-to-use platform. Even if you’ve never used a similar platform, you’ll not find it hard to navigate or find what you need based on your interests and needs.

The easy-to-follow online application form is simple, and you can fill it in within a few minutes. The website is reliable, and you can count on a smooth application process free of any glitches or downtime.

With Money Lender Squad, you can be sure of your peace of mind when it comes to privacy and security. Thanks to modern encryption technology, your data remains protected, and a secure online experience is guaranteed.

You can easily access their privacy policy on their website to know more about how they use and protect your information. Money Lender Squad is committed to protecting and respecting your personal information at all times. Your privacy rights are acknowledged and safeguarded when using the platform, so you have nothing to worry about.

The application process is quick and straightforward. Simply capture your personal and financial details in the online application form, get matched, receive an offer once you’re approved, sign the agreement, and await funding within one business day.

Instant approvals are guaranteed among all lenders at Money Lender Squad. Once you submit your application, it’s shared with multiple direct lenders at once, which helps avoid the exhausting and time-consuming process of approaching different lenders individually. With many lenders looking at your application simultaneously, you get higher chances of instant approvals.

Emergencies and urgent financial needs can’t wait, and neither should you.

With Money Lender Squad, you save time by accessing multiple lenders simultaneously. The no credit check option further hastens the approval process to ensure you don’t wait around to know your fate.

Rapid approvals enable quick payouts, and you can get funded on the same day you apply or before the end of the next business day at the latest. To make the approval time even shorter, try and have the required documents ready when you apply.

Most lenders at Money Lender Squad offer payday loans with no credit check. With no time wasted conducting a soft or hard credit check, you’re guaranteed instant approval, provided you can afford the requested amount and are eligible.

You’ll get loan offers within minutes of submitting your loan request. You’re free to choose the offer you find suitable and accept it after carefully reviewing the terms and conditions. Money Lender Squad will guide you through the entire process with even quicker response times.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


  • Rapid approvals
  • Easy to use website
  • Privacy and security guaranteed


  • You can only take out one loan at a time

Money Lender Squad doesn’t allow borrowers to take out more than one loan at the same time. If you wish to get more significant amounts that can’t be accessed with a single loan, this can be an inconvenience. However, it’s not necessarily a bad thing.

It safeguards you from overindebtedness that can make it hard to repay. An appropriate solution is to quickly pay off your first loan before you apply for new payday loans!

If you’re looking for payday loans online with instant approval and guaranteed confidentiality, Money Lender Squad is your go-to platform. You’ll love the smooth interface that makes it easy to get fast cash for emergencies or a deal that you just can’t miss. Plus, your data remains encrypted to protect it from any potential security breach.

4. Very Merry Loans – Good for Payday Loans Online Quick Deposit

Very Merry Loans is a breath of fresh air for many Americans who are used to waiting days or weeks to get funded after applying for loans. They offer payday loans online with quick deposits through a swift and painless application process.

  • Instant Cash
  • Excellent Customer Support
  • Flexible Terms

As the name suggests, Verry Merry Loans will turn your sorrows into merrymaking with instant cash when you’re in a financial mishap. With the entire process taking place online, it only takes a few minutes from application to approval.  Once you’re approved and e-sign the agreement, it takes less than 24 hours to get funded. Some of the fastest payday loans online from Verry Merry Loans feature debit card deposits, and it doesn’t take long for the money to reflect.

It’s a quick way to have your cash in hand because you don’t have to wait for transactions processed between bank accounts. You’ll be swiping away and spending on what you need before you know it!

Whether you need a small amount or something more substantial, Verry Merry Loans allows you to choose from $100 to $5,000. This ensures you only take out what you need and not more or less. Remember, the amount you qualify for will rely on your affordability.

Lenders may offer amounts that are smaller than your request depending on your monthly income and expenses. You’ll also get the freedom to choose suitable repayment periods from 2 to 24 months and schedules that make repaying the loan feel like a breeze.

Like other companies in this review, Very Merry Loans is not a direct lender. They only function as a channel and guide to connect borrowers looking for fast payday loans online with potential direct lenders. They don’t charge for their services, and you can get funded in no time.

The application is pretty straightforward. Simply fill in the online application form to get connected to suitable direct lenders for quick deposits once you’re approved. The immediate deposit is made possible by fast approvals and almost instantaneous loan processing.

Even with a bad or non-existent credit score, Verry Merry Loans has your back! You can choose a no credit check option or get connected to specialized lenders who offer payday loans online for bad credit borrowers.  Regardless of your situation or choice, you’re guaranteed a quick deposit after approval and finalization.

How fast you get approved and receive the funds will depend in part on how quickly you provide verification documents. Lenders will request these to verify and confirm your personal and financial details. Ensure you have them ready when applying to avoid any delays.

You can expect to get funded within hours on the same day you apply or before the end of the next business day. For guaranteed quick deposits, apply early within a business day. Disbursement can be influenced by bank operating hours since most close early and don’t work on weekends.

The experienced Verry Merry Loans team is always available to guide you through the loans application process and answer any questions you might have. You’ll soon be praising their professionalism once you use their services while recommending the platform to your friends and family.

If you face any issues during the application process, customer support is always at hand to assist. You can also contact them quickly through an online contact form, phone, email, or social media handles.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


  • Instant cash
  • Excellent customer support
  • Flexible terms


  • Loan amounts may be considered small

Verry Merry Loans provides payday loans online with quick deposits to help you cover urgent financial needs and emergencies. Instant cash is guaranteed, provided you’re eligible and can afford the requested loan amount. In addition, excellent customer service and flexible terms make them an attractive option if you’re looking for hassle-free payday loans online.

5. Heart Paydays – Good For Payday Loans Online Unemployed

Heart Paydays is another excellent platform that connects borrowers with suitable direct lenders across various states in the US. They’re not lenders but will connect you directly to a vast number of lending partners. Thanks to their wide network, you can easily find lenders specializing in advancing payday loans online for unemployed borrowers.

  • All Income Types Accepted
  • Many Lenders To Choose From
  • No Obligation Eligibility Checks

Most people think they can’t access payday loans online because they’re not traditionally employed. It might have been the case in the past, but nowadays, it’s no longer a distant dream, thanks to platforms like Heart Paydays. Having no job doesn’t exclude you from accessing online payday loans.

You can quickly check whether you’re eligible for payday loans before applying with no obligation to take out the loan. Eligibility checkers feature no checks, so you’re sure your credit score will not be affected in any way.

Unlike traditional lenders who only approve borrowers with formal employment and a paycheck, lenders at Heart Paydays accept all income types. Being unemployed doesn’t necessarily mean you don’t have an income from alternative sources.

Provided you receive at least $1000 in your account every month from any source and can afford the loan, you’ll get approved for payday loans online for the unemployed.

Heart Payday’s vast network allows it to offer payday loans suited for Americans from all backgrounds and budgets, including the unemployed. All that matters is that you have an alternative source of regular income to afford loan repayments.

You’ll need to show lenders that you get at least $1,000 in your account every month. This can be from rental income, dividends, freelance earnings, benefits, pensions, alimony, allowances, and many more. You’ll still be considered for a loan even when you’re unemployed and have a bad credit history.

You’ll only need to fill out an easy online application process and let Heart Paydays work in finding you a loan that meets your needs in a matter of minutes. They’ll then match you with suitable direct lenders to start receiving multiple loan offers that fit your qualifications.

Some lenders may charge high-interest rates to reflect the risk of lending to unemployed borrowers, especially if you have bad credit and no guarantor.

Loan Amount Range APR Rate Loan Term Range Star Rating
$100 – $5,000 5.99% – 35.99% 2 – 24 Months *****


  • All income types accepted
  • Many lenders to choose from
  • No obligation eligibility checks


  • Strict qualifying criteria

Heart Paydays disproves the notion that you can’t access payday loans if you’re not formally employed. Payday loans online for the unemployed are a lifesaver for Americans who’ve been laid off, retired, or have never been employed but have other alternate sources of income.

Types Of Payday Loans

No Credit Check Payday Loans

With no credit check payday loans, your loans request is approved with no checks. If you don’t like the idea of lenders poking into your credit history, this is a suitable option.

They’re suitable for those with bad credit scores or those with no credit history. They’re usually small loans ranging from $100 to $2,000, but depending on your affordability, you can get up to $5,000.

Get a No Credit Check payday loan here >

Bad Credit Payday Loans

Bad credit payday loans are suitable for borrowers with past financial troubles or no credit history. You may have defaulted on a previous loan, gone bankrupt, or missed a repayment.

If you’ve never borrowed or opened a bank account, you’ll still be considered a bad credit borrower. Lenders offering payday loans to bad credit borrowers focus on your current monthly income and expenses to determine affordability.

Get a Bad Credit payday loan here >

Guaranteed Payday Loans USA

You can get guaranteed payday loans in the USA if you meet the eligibility criteria and prove affordability. Lenders will determine whether you can afford the requested loan amount based on your monthly income and outgoings.

Get a Guaranteed payday loan here >

Payday Loans Direct Lenders

Borrowing payday loans from direct lenders is the best option, but you first need access to them. This is where platforms like Viva Payday Loans come in, especially if you have bad credit scores or are unemployed.

They connect you to payday loans direct lenders suitable for your situation free of charge! This ensures you don’t waste your time or money with unsuitable lenders.

Get a Direct Lenders payday loan here >

Payday Loans Same Day Deposit

Payday loans same-day deposits are loans where you get the quick funds on the same day you apply. They can come in handy when you’re facing an emergency or urgent need.

Get a Same Day Deposit Payday Loan here >

Payday Loans with No Employment Verification

Payday loans with no employment verification are approved without the need for employment proof. In such cases, lenders will only look at your bank statements to verify income details from alternative sources.

Get a No Employment Verification Payday Loan here >

Payday Loans Easy Approval

These are payday loans that are quickly approved without tedious and frustrating loan processes. Easy approval is possible if you’re eligible and can afford the loan.

Get a Easy Approval Payday Loan here >

Payday Loans That Check Your Online Banking

To guarantee quick approval and payouts, lenders will check your online banking details to verify your income. Everything is conducted online without any need for paperwork.

Get a Online Banking Payday Loan here >

Payday Loans No Tele Track

Thanks to the digital convenience of the internet, many lenders offer payday loans with no tele track or phone calls. The last thing you want is to spend hours on a phone call sorting out a loan application.

The entire process from application to approval and funding takes place online!

Get a No Tele Track Payday Loan here >

States Where Payday Loans Are Available

States Available States Unavailable
  • Alabama
  • Alaska
  • Arizona
  • California
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Mississippi
  • Missouri
  • Nebraska
  • Nevada
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin
  • Wyoming
  • Arkansas
  • Connecticut
  • New Hampshire
  • New York
  • Montana
  • South Dakota
  • Vermont
  • West Virginia
  • Indiana
  • Minnesota

Advantages of Payday Loans

Quick Lending Decisions

Payday loans feature quick lending decisions, and you can get approved within minutes of submitting your application.

Welcomes All FICO Scores

Your past financial hurdles don’t get in the way of accessing payday loans online. Payday loans lenders help borrowers with all kinds of credit scores.

Instant Cash

Payday loans allow you to access quick funding when you need it within 24 hours. You don’t have to wait days or weeks for payouts.

Disadvantages of Payday Loans


Payday loans feature high interest rates that make them an expensive financing option.

How to Get Payday Loans

Step 1: Visit Viva Payday Loans

Viva Payday Loans allows you to apply for payday loans online through a few simple steps. Simply visit, choose the loan amount you need from $100 to $5,000 and a suitable repayment period from 2 to 24 months.

Step 2: Complete the Application Form

After you’ve chosen the loan amount and term, the next step is to capture your details by completing the easy-to-follow online application form. You’ll be required to provide personal information, financial information, and expenditure information.

Step 3: Get Your Decision

Once you’ve submitted your payday loan application, you’ll get a decision from the panel of lenders at Viva Payday loans within minutes! When infirm you if your application is denied and if you’re approved, you’ll be connected directly to an independent lender.

They may contact you to discuss loan arrangements and request verification documents. Ensure you inquire as much as possible about the terms and any additional fees.

Step 4: Receive Your Loan

The lender will then send you a payday loan offer at this point. Read the agreement carefully while considering any fees, the repayment schedule, and the terms and conditions.

If you’re okay with the terms, e-sign it and return it to the lender. Once this is complete, all you have to do is await funding in your account within 24 hours!


The extensive review shows that the best place to get payday loans online is at Viva Payday Loans. They offer all the features available on the other platforms and then some! If you’re looking for quick, fast, and guaranteed payday loans online, with bad credit or no credit checks, Viva Payday Loans is your best choice.

Request Your Payday Loan at our Top Rated Provider – Viva Payday Loans


What is a FICO Score?

Who Do I Contact for Inquiries After Receiving My Loan?

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Will I Be Charged to Use Viva Payday Loans?

Do Payday Loans Require Security?

About Jayme Wium PRO INVESTOR

Jayme is a professional freelance writer specializing in personal finance, business, nutrition, botany and mental health. She has studied extensively in these fields and spends a considerable amount of her time creating content to help simplify complex concepts for the everyday person.


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