Apply for your payday loan
How much cash?

How long for?
Your Loan Summary
Repayment by:
In your account by:8:11PM
Total to repay:
Apply Now
The maximum you will be charged is a flat 20% Establishment Fee and a flat 4% Monthly Fee. The maximum comparison rate on loans between $300 and $2000 is 199.43%
*Warning: This comparison rate is true only for the example given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different rate.
Viva Payday Loans

Payday Loans

How it works
How it Works!


Getting a payday loan should be simple, not difficult and lengthy! Viva Payday Loans makes getting your finance quick and easy.

Read our section on how our process works, and be on your way to get a loan in just a few minutes!

Read More

Get a Quick Quote!


If you’re short of cash, the last thing that you want to be doing is waiting around for a decision.

Viva Payday Loans queries our panel and provides you with a suitable route for your loan within just a few minutes.

Apply Now

Support Service


Have questions? Allow the support from Viva Payday Loans to help you out quickly. We’re open throughout the following hours:

Opening Hours
Mon – Fri: 08:00 – 22:00
Sat & Sun: 09:00 – 22:00

Get In Touch


Viva Payday Loans specialize in payday loans in Australia, ensuring that we process every application to find the perfect lender for all of our applicants. We are a lender-finder service that works with over 15+ lenders who offer a range of loans for your financial situation, making us a trusted payday loans service that you can count on to find the best solutions for you.

Apply with Viva Payday Loans in 2 minutes


1. Fill in our 2 minute application form

Confirm loan terms with lender


2. Confirm loan terms with your lender

Collect your loan


3. Collect your loan

*Approval by the lender is subject to credit and affordability checks


About Viva Payday Loans

Viva Payday Loans was established to help people access payday loans in Australia and receive payday cash loans in their time of need. We match our customers with a payday advance lender that can meet their needs through cutting-edge technology, constantly striving to put the customer first in all processes. Whether you’re looking for a true payday loan to repay within a month, would like a short term loan of up to a year or need even longer, you only need to fill out one simple application with Viva Payday Loans.

We also understand that time is of the essence when it comes to emergency payday loans and many mainstream lender-finding services will take you through a lengthy process to reach a decision. At Viva Payday Loans, we aim to have you matched with a lender who can offer exactly what you need, sometimes providing access to funds in under 15 minutes for our fast loans.

We are completely open and honest with every applicant. By using our online application form, you will be able to see the approximate amount of money you need to repay, if approved by a lender. Our team has many years of experience in helping customers in financial difficulty and providing payday loans for those in need.

Honest & Transparent Payday Loans

We are proud to provide a completely honest payday loans service and we ensure that all of our customers’ best interests are matched with the right payday advance lenders, guaranteeing no nasty surprises or hidden costs. While there are many other lender-finding services for payday loans in Australia, Viva Payday Loans is unique in the fact that we take a personal approach to every application.

We want every applicant to feel confident in the knowledge that our payday loans online service for finding lenders will take your affordability into account, ensuring you are able to make repayments without being left out of pocket. If we can see that you can afford the payday advance you are requesting, this will help form a decision. However, if you are unsure about your ability to repay the loan on time or in full, please contact your lender before submitting an application.

Flexible Payday Loans Online

Our online application form makes it so simple for you to submit an application at any time of the day. All you need to do is choose the fast payday loans amount you would like to borrow, starting from $100 up to $5000. You can also customise the amount if there is a specific figure that you need. You can then select how long you would like to borrow for and the numbers will change on screen to match your selection. This means that you can tailor the loan to your needs and find a balance that suits you.

Payday Cash Loans For Bad Credit

As we take a personal approach to each application, we will never conduct a credit check without explicit permission. We also offer a finding service for a selection of bad credit loans to those who may not have the best credit history, and in these cases, we consider current affordability, such as income, essential outgoings and other financial commitments. As long as you are an Australian citizen, are 18 years of age or older, and have a regular source of income, lenders will consider your application and determine an outcome that isn’t solely based on credit history.

Additionally, we may be able to help you find no credit check loans if you’d prefer not to have your credit score looked at – although many of the lenders we partner with are happy to look beyond a poor credit score.

Understanding Your Circumstances

Life is unpredictable and at Viva Payday Loans, we understand that your circumstances can change unexpectedly from time to time, affecting your ability to manage bills or pay for sudden expenses, such as car repairs or a broken boiler. This is why we offer 24/7 payday loans online in Australia, so whether it is the middle of the night or the early hours of the morning, you can submit an application with us and we will get back to you as quickly as possible.

During working hours, we strive to find lenders and make payday cash loans decisions within 2 minutes of receiving an application. If you submit a form outside of working hours, you will be our immediate priority the next working day. The unexpected can happen at some of the most unlikely of times and we want to help see you through a difficult time, providing you with a personal payday loans online service and advice.

Are You Eligible for Payday Loans in Australia?

As we work with a panel of over 15 trusted lenders who offer fast payday loans, the eligibility criteria will differ from lender to lender. To apply through Viva Loans, we only ask that you are at least 18 years old. However, some other common criteria you might see include:

  • Have three to six months’ worth of bank statements available, so that lenders are able to offer a loan that fits in with your current financial situation
  • Be able to provide details of all existing liabilities, including credit card debt and any other outstanding loan obligations
  • Be able to provide proof of your income, whether from employment, Centrelink or other government benefits

If you are 18 years old or over and need a payday loan in Australia, you are welcome to apply online today – we’ll let you know in just two minutes if we’re able to help.

Viva Payday Loans FAQs

  1. Do You Find Lenders in All Australian States?

    As a lender finding service for payday loans online in Australia, we ensure that out lender panel covers all six states and territories within the country. This means that you will be able to gain payday cash loans no matter where you are in Australia.

  2. How Much Will You Lend and How Long Can I Borrow For?

    The smallest amount we can lend is $100 and the largest is $5000, but we also offer a customisable option if there was a specific amount you needed to borrow. The amount of time that you can borrow for really depends on how much cash you request. For example, if you need to borrow up to $2000, the longest that you can borrow for is a year, but for $2000 to $5000, you can borrow for up to two years. The time toggle feature on our payday loans application form is very easy to use, so take a look to find the right loan amount and repayment term for you.

  3. How Quickly Can I Receive A Decision?

    Viva Payday Loans aim to give you a decision as quickly as possible and we pride ourselves on our fast payday loans. It should take you less than 5 minutes to complete and submit your application online. You will be asked for the last 90 days of your bank statements to verify your income and affordability before searching our network of 15+ lenders. If the lender requires more information before proceeding with their decision, a member of their team may contact you. Assuming that the lender has no further queries, you’ll have a decision in less than 60 minutes and can sometimes have the funds in your bank account within 15 minutes.

If you need any more information about Viva Payday Loans, please do not hesitate to contact us. Our friendly team are on hand to listen and assess whether you are in a good position to continue with your application for payday loans online. If you have concerns about your ability to repay payday loans, please contact your lender, or if you are ready to begin your payday loans in Australia application, then fill out our simple application form to apply today.