About Us

Viva Payday Loans was created to help people within the United States get a short term payday loan in their time of need. We do this through cutting-edge technology that matches the customer with a lender that can meet their needs.

We always wish to provide a completely open and fair service to our customers. Our team has many years of experience in helping customers in financial difficulty and can provide the best possible assistance when called upon.

Most main stream lenders will force you to go through a lenghty process and then revert back to you later. Viva Payday Loans understands time is of the essence, and this is why we can usually provide access to funds in under 15 minutes.

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Copyright © 2026 vivapaydayloans.com. Loans available to over-18s only, subject to status and further checks by the lender. Viva Payday Loans does not make loan or credit decisions, and is not a lender.

How We Fund This Website: We do not charge any fees for your request. Lenders, Lender Networks and other marketers in our network pay us if they offer you a loan or alternative loan option after reviewing your information through our service.

We Are Not A Lender: The operator of this website is not a lender, does not broker loans to lenders and does not make loan or credit decisions. It is not an agent, representative or broker of any lender and does not endorse any lender or charge you for any service or product. This Web Site does not constitute an offer or solicitation to lend. This site allows you to submit the information you provide to a lender. We exercise no control over the lenders or lending partners in our network and are not responsible for any of their actions. We are not their agents or representatives. The loan request you submit on Viva Payday Loans is not a loan application.

Available Options: Viva Payday Loans does not have access to all lenders or all available loan products. You should not assume that any offer you receive using our service is the best available option for you. You should always compare other options and make your own informed decision about the best products or services for your unique situation.

Representative Example: 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 $6320.12 which including the 8% fee paid from the loan amount, would have a total cost of $1720.12. Representative 18.23% APR.

APR & Rates: We do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders – the APR range is from 5.99% to 35.99% Max APR. Loans repayment period: minimum 61 days. Although some providers offer rates from 5.99% up to 35.99% APR, rates that low are only available to certain customers. The repayment terms are for close end loan products, and is not reflective of all loan products offered in our network.

State Availability: Some lenders and services may not be accessible to residents of all States based on lender’s preferences and legislation particular to that State. We do not provide our service in the following states: Arkansas, Connecticut, New Hampshire, New York, Montana, South Dakota, Vermont, West Virginia, Indiana, Minnesota.

Credit Checks: Lenders may or may not perform credit checks with the three credit reporting bureaus: Experian, Equifax, or Trans Union. Lenders may perform alternative credit checks or consumer reports through alternative providers. By submitting your request for a referral, you are authorizing our referral sources including lenders to independently verify the information you submitted and your credit worthiness.

No Guarantee: The completion of the application form does not guarantee approval of a loan. The installment loan amount will vary depending on the lender who accepts the application within our database. $5000 may not be available to every customer. The time taken to transfer a cash advance loan may vary. This website does not directly endorse a particular product and service. Any information on this website should be taken as opinion only.

*We do not have control over the APR you will be offered. We display a Representative APR only as it is based on data offered from multiple lenders – the APR range is from 5.99% to 35.99% Max APR. Loans repayment period: minimum 61 days. Although some providers offer rates from 5.99% up to 35.99% APR, rates that low are only available to certain customers. The repayment terms are for close end loan products, and is not reflective of all loan products offered in our network.

About Us

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