Step 5: Let Us Find Your Lender

Step 5: Let Us Find Your Lender


The convenience of getting the cash you need when you need it without collateral often comes with high-interest rates and fees attached. These can include administration fees, processing fees, or establishment fees. Late payment and prepayment penalties can also apply, so you should review all the costs and possible penalties before applying. Some lenders waive such fees, so shop around to find the best deals!

Easy Money Can Lead to Misused Funds

Cash loans require discipline in terms of use and payment. With easy access to emergency cash, it’s not hard to misuse the funds and get tempted to buy unnecessary things or give yourself undeserved rewards. You also have to ensure you pay back on time to avoid high fees and penalties. Resist the temptation to take out more than one cash loan, as this only compounds your debt, makes it harder to repay, and leaves you with little or nothing at the end of the month.

Eligibility Criteria for Cash Loans

  • Be at least 18 years old.
  • Have US citizenship, permanent residency, a valid Social Security number, or a long-term visa. Some lenders can consider non-citizens with eligible cosigners.
  • Be living in a state where the lender operates. Lenders don’t operate in all states, and they’ll offer different amounts, rates, and terms depending on the jurisdiction.
  • Have a permanent address. Some may ask for proof of residential address.
  • Have an active checking account.
  • Have a valid government-issued identification.
  • Provide some proof of regular income.

Application Process

Viva Payday works with different reputable and trustworthy lenders. Applying through us ensures you’re only connected with licensed and trusted lenders. To apply for cash loans via , simply follow these steps:

Step 1: ount

Evaluate how much you really need and whether or not you can afford to repay it on time. Take some time to consider your income and expenses and ount you can pay comfortably. Remember the repayments have to fit within your budget because defaulting can attract high fees and penalties.

Step 2: Prepare Your Documents

Certain documents will be required to show you fulfill the eligibility requirements and enable quick evaluation and processing of your application. Documents you should have on hand when applying at Viva Payday Loans include;

  • Some form of government-issued ID.
  • Proof of income for the last three months. Can include bank statements or payslips.
  • Bank account details.

Step 3: Complete the Application Form

The online application form at Viva Payday Loans is easy and fast to complete. Simply click on the “Apply Now” button on the top right-hand side of the screen and fill out the online form in a few minutes. You’ll only be required to provide your personal details, including your full name, email address, zip code, the amount you need, and the repayment period. Then, click the “Next” button.

Step 4: Qualify

After choosing the amount you need and filling out the online form, you’ll need to provide additional information that includes your employment status, financial details, and monthly expenditure. This will enable us to see whether you qualify for the loan. All information you give us remains strictly confidential and will never be shared outside Viva Payday Loans and your lender.

After receiving your information, the Viva Payday Loans team will search the market for the ideal lender for you. This should take only a few minutes, and you should receive a decision on whether a loan can be provided within 2 minutes. Once one of our lenders accepts your application, you’ll be transferred directly to their site to complete the process. You’ll also get prompt feedback if you’re unsuccessful.

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