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Maximum charges: 20% Establishment fee and 4% monthly fee (Comparison rate 199.43%) based on $1000 repaid over 6 months. Illustrative example: Loan amount of $1,000 over 6 months repayable weekly (25 weekly repayments). $1,000 (Principal Amount) + $200 (20% Establishment Fee) + $240 (fees based on 4% per month over 25 weeks) = $1,440 total repayable in 25 weekly instalments of $57.60. Maximum charges: 20% Establishment Fee & 4% Monthly Fee. In comparison rate terms, the maximum comparison rate may be as high as 199.43%.
WARNING: This comparison rate is true only for the examples given and may not include all fees and charges. Different terms, fees or other loan amounts might result in a different comparison rate with the lender that finances your loan. The information on this web page is general information. The information does not take into account your objectives, financial situation or needs. Credit criteria, fees, charges, terms and conditions apply. Products and rates displayed are subject to the individual borrower's credit assessment. Examples only provide an estimate and are used for illustrative purposes only, not an offer for credit. The amount you can borrow, the interest rate and fees you receive along the product you qualify for may vary.
Viva Payday Loans > Borrow Money

Borrow Money

When you need to borrow money, finding suitable lenders online that can help you quickly is essential. That’s where our loan finder service at Viva Payday Loans can make this easy for you, showing trusted lenders to borrow money in Australia from in an instant. By filling in just one application, you’ll see from our panel of 15+ lenders matching offers no matter your credit history. Just tell us how you want to borrow and how long for and click apply now to start your application today.

Note: Viva Payday Loans is a lender-finder service in Australia, we do not offer financial advice. Please consider seeking independent legal and financial advice to check how the information and ideas presented on this website relate to your unique circumstances.

How to Borrow Money Online

With so many options online, it can be overwhelming choosing between lenders when you’re looking to borrow money. You could spend hours searching for the right lender and still not be any closer to getting the funds you need. Being able to compare quickly and make an informed decision is made easier by using a loan finder service like ours, where we do the searching for you. If you want to borrow money now and you don’t have the time to search through different lenders of short term loans, you can see exactly who can help you all through one application.

With just a few personal details, we’ll match you to lenders so you can view offers to borrow money online with no credit check first. It’s free to use and you can browse without your credit score being affected. Once you have chosen a lender to continue with, you can complete your application on their website and take the next step to borrow money online instantly.

Please note, whilst you are not required to have a credit check to use our service, you may be required to have a credit check by the lender to complete your application. We do not have any control over the lending decision process of your chosen lender.

Borrow Money With Bad Credit Using Our Service

We know that you may feel there is less choice available when you want to borrow money with bad credit. Whilst have a low credit score is not ideal, it doesn’t mean you have no options. Thanks to specialist lenders online, if you want to borrow money fast when unemployed, have a benefits income or just a history of poor credit, we can still help. Whilst we do not lend money directly, we can connect applicants to lenders that match their circumstances. You’ll still need to ensure you can afford repayments when you do have bad credit, so we cannot guarantee your application will be successful. However, we have helped many people borrow money with bad credit up to $2000. If you have proven affordability and a lender can determine lending to you won’t cause further financial difficulty, there is a chance you could be approved.

Eligibility to Borrow Money Online Instantly

To be eligible to borrow money in Australia using our credit broker service, you’ll need to meet the following eligibility requirements. Then you’ll be free to borrow money quick and choose a lender that offers affordable repayments.

  • Be at least 18 years of age
  • Be a current Australian citizen
  • Be able to provide proof of your income, whether from employment, Centrelink, or other government benefits
  • 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

Meeting the above requirements does not guarantee your request to borrow money fast will be approved. Each lender may perform a credit check to determine your financial history and an assessment of your finances before approving a loan.

Features of Using Viva Payday Loans to Borrow Money Online

There are many advantages to choosing to borrow money quickly online, including:

  • Quick access to cash – many lenders can pay out within 60 minutes of approval if your bank supports faster payments.
  • 24/7 access – you can view offers to borrow money without a credit check at any time of day or night.
  • Flexible repayment options – you can choose payday loans up to $2000 with repayments up to a maximum of 12 months. (Some lenders may provide up to $5000 depending on the circumstances, such as with a personal loan, and terms up to 24 months.)
  • Simple application process – you can see your lender offers fast with just one application that is simple to complete.
  • No paperwork – there’s no need to wait for paperwork to be sent, instead everything is digital and can be sent electronically fast.

Borrow Money Now Using Our Loan Finder Service

Complete an application and borrow money now using Viva Payday Loans. Quickly find what you’re looking for using our loan calculator and a few personal details. It’s free to use whenever you need to borrow money fast and you won’t require a credit check to view your offers.

Have any questions? Please contact us for more information about our loan finder service. If you require money advice in general, please visit MoneySmart or use other professional options that are available.

Borrow Money in Australia FAQs

  1. Can I Borrow Money Without a Credit Check?

    Whilst you are not required to have a credit check to use our service, the lender you choose to proceed an application with may require one. If you borrow money online with no credit check, a lender will not be able to determine if you are in financial difficulties. A credit check is designed to protect you as much as the lender and ensure responsible lending is maintained. If you are concerned that you won’t be able to borrow money without a credit check, the good news is many lenders can still help you borrow money with bad credit as they can accept many types of credit history. 

  2. Will I Get Same Day Cash if I Borrow Money Fast?

    Many of the lenders we can connect you with will offer same day cash so you can borrow money online instantly. Please check with the lender regarding how quickly this will be, but in many instances, you can receive the funds within 60 minutes of approval. This will depend on the lender and if your bank accepts faster payments.

  3. Can I Choose Flexible Repayments if I Borrow Money Quick?

    You can use our loan calculator at the top of the page to determine the repayments you could be approved for. Select how much you would like to borrow and the loan term you’re looking for, and this will provide a representative example. You can then adjust the terms to reflect what you can afford to pay each month. Only once you have submitted an application will you see your lender offers and be able to see the exact terms available.