Viva Loans


No Credit Check Payday Loans

Do Viva Payday Loans offer "loans with no credit check"?

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Can I get a loan with no credit check?

Some lenders in our panel may only utilise your bank statements as part of their underwriting, however, some lenders may check your credit history too. By applying on our website, your current and past credit history may be checked - if you are approved or declined for a loan, please check with the lender.

Defaulting on repayments and/or requiring an issuance of enforcement directives from a court will hurt your credit score.

If you are grappling with bad credit scores and you are in need of a short and quick loan that can be easily obtained, cash loans can be a good option for you.

Source of income

One factor which is taken into consideration, is your source of income. If you have a regular source of income that’s good enough to help you pay the loan back come your next payday, lenders will see this as a positive factor in your loan application.

If you have ever approached a bank for a loan, you would know that without a credit check, you will not be able to get a loan, even when you have a strong and regular source of income in place. One poor piece of money management can make your credit score take a plunge, leaving you reeling - despite having a job. That’s why, it’s important to know that direct lenders will look at your credit history and credit score.

Your credit history will be checked!

Your credit history can and will likely be checked by direct lenders.

This is in compliance with the rules and norms for small loan disbursement set up and overseen by the Australian Securities and Investments Commission. These norms state that at any given point of time, an individual can have up to no more than 3 cash loans against their name.

Hence, to make sure that you don’t have any other outstanding cash loan, direct lenders may check your credit history.

Every cash loan you take (and even apply for!) will be reflected in your credit history in the following format:

Defaulting on cash loans will bring your credit score down!

In the same vein, if you do not repay the loan you have received from a lender on or before the due date, it will be considered to be a defaulted payment.

Most direct lenders will issue at least two reminders to let you know that you have defaulted on the repayment. If you still are not able to repay, legal intervention may be sought by the lenders.

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