Viva Loans


Fast Cash Loans for Australians

Find out how to get quick cash advances online

Get a quick estimate for loan
How much cash?

How long for?
Your Loan Summary
Repayment by:
In your account by: 11:20am
Total to repay:
*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.

Cash loans are the easiest, most convenient and at times, the only source from where you can receive a small sum of cash that can go a long way in taking care of your requirements.

If you are an adult Australian citizen with a regular job, you are more than likely to be eligible for an quick cash loan.

Cash Loans Are Different!

Cash loans are much different than traditional bank loans or personal loans. Some of these differences are:

Why the need for cash loans?

Urgent and unexpected need for money is not a rare occurrence for many of us. Every now and then, we are all faced with situations that demand us to arrange for some quick cash.

It goes without saying that it’s not always easy to do this. At times, especially when you have just spent all of your payday balance on essentials and the next payday isn’t due for weeks, arranging for as little as $200 can appear like an uphill task.

If you approach banks or private lenders when you have such cash requirements, you will invariably find that,

  1. They do not generally tend to service small loans as they cannot afford to engage their resources for such loans.
  2. Even if they approve your loan application, it will not be before the application has to move through the ranks and various checks. So, in essence, days (weeks, in some cases) will go by before you actually see the money.

As if to make things even more difficult, people with bad credit score stand a very slim chance of getting a loan from financial institutions like credit card companies or banks. What, then, needs to be done in such situations?

If you find yourself in such a situation where you know you need cash but you just don’t know how to get it or whom to approach, you need to stay calm and stay put. Not panicking is the first thingyou should remind yourself of. The next, probably, will be to apply for a cash loan.

If you meet these requirements, it won’t take you more than a few minutes to fill the application form in and get it submitted.

At Viva Payday Loans, we offer you the best and most compatible choices of cash loan lenders that you can choose from.

Validity and Legal Status of quick Cash Loans

Cash loans are regulated by the National Consumer Credit Protection Act 2009 (Cth). All credit providers and credit assisters (brokers such as Viva Payday Loans) must hold an Australian Credit Licence and be subject to supervision by the Australian Securities and Investment Commission (ASIC).

The law provides many protections to consumers who enter into small amount credit contracts for cash loans including that any holders of an Australian Credit Licence must comply with their responsible lending obligations.

Cash Loan Credit Charges

The credit charges applied to small amount credit contract cash loans are allowed to be much higher than the interest charges for personal loans from banks and other finance companies.

The credit charges for these cash loans are capped with an establishment fee of no more than 20% of the amount financed and a monthly fee of no more than 4% of the amount finance.

This is when a cash loan can matter!

Cash loans are suitable in an event when even a small loan that is available quickly can make a difference. Typical reasons that people get cash loans for are:

Important Features of Cash Loans

There are many distinctive features of cash loans that make them popular among borrowers. These include:


To conclude, it can be said that cash loans are useful when it’s difficult to get bank or personal loans. They can meet your urgency, all the while making sure that you don’t get tangled up in documentation and collateral management.

At Viva Payday Loans, we offer an extensive and thorough comparison of various cash lenders. We advise all the applicants to read the agreement clauses scrupulously before submitting an application.

Payday loans

Suggested reading

You may need to know