Viva Loans


Are There Alternatives To Cash Loans?

Find out what options there are before taking out a cash loan.

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Yes, there are some alternatives that you can explore before applying for a payday loan. However, if you are in need of a small loan – and that too, quite urgently – payday loans can be an option worth exploring.

What is the easiest alternative to payday loans?

The easiest alternative to payday loans is borrowing money from your friends and family. You can also request your employer for a cash advance ahead of the payday.

Do banks offer any alternatives to payday loans?

There are a few ways in which you can use banking services associated with your bank account to access extra credit relatively quickly.

How can credit cards be used as alternatives to payday loans?

If you are thinking of getting a payday loan, it’s highly likely that you have exhausted your available credit.

In that case, the best you can do is to request your credit card provider/bank to temporarily increase your credit limit. If that works out, you will end up paying lower interest than a payday loan.

Can I use my Centrelink account to draw some early credit as an alternative to payday loans?

Yes, you can. Most Centrelink benefits do allow for an early drawing of credit before the payday, provided that you have a healthy enough credit score against your name.

What other alternatives do I have?

Other alternatives include: