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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 > How To Apply

How To Apply

Applying with Viva Payday Loans is simple, three simple steps:

1. Use the form above to select how much you want to borrow and your repayment period. Viva Payday Loans lend up to $5000 for up to 2 years, this applies to all states.
Make sure when selecting your loan criteria that you are realistic and can always pay this back in time to avoid further complications.

Once you’ve decided how much you want to borrow, you’ll need to provide us with some additional information so that we can see whether you qualify for a loan.
All information that you provide will remain completely confidential and will never be shared outside of us and your lender.

3. Once you’ve processed our form you’ll receive a decision within 2 minutes on whether a loan can be provided. Most applicants are accepted without issue regardless of credit history.
If accepted, funds are provided near instantly and detailed instructions on these will be provided.

Borrowing responsibly:

Is a cash loan right for you?

You have a small shortage of cash and can pay it back within 1 – 24 months
You need to make an emergency purchase or have an unexpected bill, and can return the funds in time
You have permanent and long standing financial problems.
You do not think you will be able to repay the loan.