Lenders who consider all credit scores — even below 580. Free soft inquiry.
Poor credit, past collections, or a thin file — request options from lenders who look beyond your score.
We've made it easy to request, connect, and get funded — all in just a few clicks.
Our fast, and secure online form can be completed in just 2 minutes.
Our lenders consider all credit score ratings, from no rating to excellent!
Select your lender and receive your funds as soon as the same day, if approved by a lender.
Viva Payday Loans connects you with lenders who often look past a low score. Soft inquiry to apply, every credit type welcome.
| Loan Amount | Term | APR | Estimated Fee* | Monthly Payment | Total of Payments |
|---|---|---|---|---|---|
| $500 | 6 months | 24.99% | $25 | $89 | $534 |
| $1,000 | 12 months | 18.23% | $80 | $92 | $1,104 |
| $2,500 | 18 months | 26.99% | $200 | $167 | $3,006 |
| $5,000 | 24 months | 35.99% | $400 | $295 | $7,080 |
* "Estimated Fee" reflects a representative origination or arrangement fee where applicable. Not all lenders charge fees. These examples are for illustration only and may not reflect your offer. Availability varies by state. Late or missed payments may incur additional costs.
Yes — and here's why. Traditional banks rely almost entirely on your FICO credit score to decide whether to approve you. If your score has taken a hit from missed payments, collections, or financial hardship, a conventional lender will likely turn you away.
Many lenders in our network weigh factors like your current income, employment status, and monthly cash flow more heavily than your credit history alone. That means people who have been rejected by banks often still find options through a short online request.
Viva Payday Loans connects you to that network through a single 2-minute form. All credit types are welcome — poor credit, no credit, and even borrowers who have been through bankruptcy. Approval is never guaranteed.
Lenders who work with bad credit have helped thousands of borrowers who thought they had no options. Here's what sets them apart:
Lenders assess income and repayment ability — your credit score is just one small part of the picture.
Your application won't create a hard pull on your credit report, protecting your score from further drops.
Get a lending decision in minutes — no waiting days to find out if you qualify.
Once approved, funds can be deposited to your bank account as fast as the same business day.
Request from $100 to $5,000. Flexible amounts to fit your exact emergency need.
No fees, no obligations. Review your offers and only accept if the terms work for you.
Find answers to the most common questions about payday loans for bad credit.
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