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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 > Cash Loans Perth

Cash Loans Perth

Cash Loans Perth can come in handy when you’re faced with unexpected expenses or need to take advantage of an opportunity. Viva Payday Loans regularly assists borrowers to access all kinds of loans in Perth, and we specialise in fast and easy loans online. Here’s everything you need to know about loans in Perth via

How Do Cash Loans Perth Work?

Cash Loans Perth are small loans designed to help carry you to your next paycheck or payday when you’re in a bind. You don’t need to be formally employed to qualify for payday loans in Perth. ‘Payday’ can be any day you receive your income from any alternative source.  Viva Payday Loans specialises in payday loans in Perth ranging from $100 to $5,000, and you can get 2 to 24 months to repay.

How Do Loans Perth Work at Viva Payday Loans?

Viva Payday Loans is in the business of making financial dreams come true by connecting you to top lenders who provide loans Perth with just one application!

Once you decide on the amount you need to borrow, you simply need to choose a monthly payment that suits your budget and then follow the easy steps to apply. Once you’re approved, you’ll get a one-time lump sum paid into your account.

Lenders at Viva Payday Loans are very speedy with the payouts, and you can get funded on the same day you apply for payday loans in Perth or on the next day at the latest. After that, you simply need to ensure that you make repayments on time every month, and this should be straightforward since you set it up yourself. You’ll have to repay the amount borrowed plus interest over the chosen term in affordable instalments until you settle the loan.

Whether you only need a few bucks to get you through the month and let you catch your breath, or something more substantial, Viva Payday Loans can connect you with lenders most likely to approve your loan ranging from $100 to $5,000.

What Are The Different Types of Urgent Cash Loans Perth

Urgent cash loans Perth come in various shapes and sizes to suit the needs of everyday Aussies. Here’s a brief overview of the types of loans available at Viva Payday Loans.

Unemployed Loans in Perth

Unemployed loans in Perth are small cash loans designed to help those not formally employed get funding when they need it most. In the past, getting a loan with no traditional job was an uphill task, but the financial world in Australia has changed for the better.

Nowadays, not having a formal job doesn’t exclude you from accessing loans in Perth! Provided you meet the borrowing criteria and can prove that you’re able to repay the loan, you’re more than welcome to apply for unemployed loans in Perth at Viva Payday Loans.

If you still earn some form of income while not traditionally employed, you can use this to repay the loan. Lenders at Viva Payday Loans accept borrowers with all kinds of income, including freelance earnings, trust proceeds, benefits, child support, dividends, government benefits, stocks and bonds or rental income.

You also need to show that you’re getting at least $350 per week in your account from your alternative source of income. Since the lender is taking on a higher risk lending to an unemployed borrower, some may cap the maximum loan amount or have higher interest rates than other loans.

Bad Credit Loans Perth

Lenders who base loan assessments solely on credit scores aren’t an ideal match for you if you’ve had financial troubles in the past. Through Viva Payday Loans, you get access to lenders who specialise in helping bad credit borrowers access the funding they need.

They’ll treat you as an individual and assess your application based on the current facts, including your affordability and how you handle your finances now. You can access bad credit loans Perth or bad credit payday loans Perth from specialised lenders at Viva Payday Loans.

The best part is that they’re easy to repay, helping you get your credit score back on track in no time!

No Credit Check Loans Perth

As the name suggests, no credit check Perth don’t require a credit check for approval. If you don’t want lenders prying into your credit history, then no credit checks loans in Perth are the perfect option. These loans are suitable for everyday Aussies with no credit history or who have had a few financial hurdles in the past. At Viva Payday Loans, lenders will not judge or discriminate against you – instead, they’re invested in helping you.  No credit check loans Perth are usually small loans ranging from $100 to $2,000, but you can get up to $5,000 depending on your affordability.

Cash Loans Perth Centrelink

Cash loans Perth Centrelink are suitable for Australians on benefits. If you get part or all your income from Centrelink benefits and are looking for a way to access instant, same day cash loans in Perth, then cash loans Perth Centrelink are an excellent choice.

You’re probably on disability pensions, age pensions, or other forms of income where you get a fixed income every month as a Centrelink customer. Most traditional lenders and banks rarely lend to borrowers on benefits, but through Viva Payday Loans, you can access specialised lenders who offer Perth cash loans. You can borrow from $100 to $5,000 depending on the lender, even if you have a bad credit score.

Personal Loans Perth

Personal loans Perth or Perth personal loans allow you to borrow a lump sum that’s paid directly into your account. You’re then required to repay the principal amount plus interest in instalments or regular monthly payments over the chosen term.

Perth personal loans have fixed interest rates and repayment amounts that don’t change over the loan period.  They’re often referred to as signature or unsecured loans since you don’t have to provide any asset as collateral for loan repayments.

Cash Loans Perth

Cash loans Perth are also called small loans Perth and they refer to short term loans meant to help you get back on your feet. They’re usually small cash amounts you can repay when you get your income.

They’re usually not offered by traditional lenders, and this is where Viva Payday Loans comes to the rescue. We connect you to lenders who offer Perth cash loans when you’re looking for urgent cash loans Perth at no cost to you! You can get quick cash loans in Perth from $100 and instantly get the money in your account.

Features of Payday Loans Perth

Payday Loans Perth at Viva Payday Loans share the following features:

· Affordable, Flexible Loan Amounts

It’s unwise to take out a loan you can’t afford to repay. To make it easy for borrowers and ensure they don’t get into trouble by borrowing what they can’t afford, Viva Payday Loans offers payday loans Perth from $100 to $5,000, keeping the amounts in an affordable range.

It ensures you have the chance only to borrow what you need based on your affordability and budget, so you don’t struggle with repayments.

· Flexible Repayment Terms

It’s possible to repay the loan on your terms. You can choose when you wish to make repayments, including monthly, weekly or biweekly. You can also choose a suitable loan period from 3 to 12 months.

Lenders will work with you to set up an automatic debit from your account to ensure that you never miss a payment. This keeps things convenient since you won’t have to worry about budgeting and the lender always gets paid on time.

· Interest

Interest is an essential factor of any loan. Lenders at Viva Payday Loans keep their interest rates reasonable, ranging from 5.99% to 35.99%. Remember, your risk profile will influence the interest rate you pay. While others may charge you the maximum, many remain competitive, which works in your favour.

· Trustworthy lenders

All lenders at Viva Payday Loans are reputable, trustworthy, transparent and reliable. They guarantee your peace of mind at all times by only working with the best lenders in Perth. Their terms of service and contact information are readily available, and you can easily find them on their website.

Advantages and Disadvantages of Loans in Perth


· Quick Borrowing Decision

At Viva Payday Loans, we believe waiting around for a decision is overrated. Our lenders understand the urgency when you’re looking for instant same day cash loans, and our online system ensures you get an almost instant outcome on your loan application. You’ll know whether or not you can get the loan you need within a few minutes of hitting the submit button.

· All Credit Scores Welcome

Lenders at Viva Payday Loans help borrowers with all credit scores, including the bad and non-existent ones. If traditional lenders have denied you a loan because of your credit score, you have better chances of accessing loans in Perth at Viva Payday Loans.

· Access to the Most Suitable Lenders

Viva Payday Loans works with an extensive panel of the most reputable lenders in Perth, and you get access to them free of charge. Once you make your loan application, we ensure it gets to lenders who are most likely to approve and pay out the loan.


· Expensive

All good things have their downsides, and the most significant disadvantage of loans in Perth is that they’re not cheap. They often feature high-interest rates, especially if you have a bad or non-existent credit score, low income or are unemployed. However, they’re affordable and can provide you with the lifeline required when no other lending institution is willing to take a chance on you.

Eligibility Criteria for Perth Loans

You can apply for loans in Perth at if you meet the following criteria:

  • You’re 18 years old or older.
  • You’re an Australian citizen or a registered permanent resident.
  • You have an Australian home address where you’ve lived for more than three months.
  • You can provide proof of earnings to repay the loan.
  • You can show that less than 50% of your income comes from benefits.

Application Process for Loans in Perth

Applying for loans in Perth at Viva Payday Loans is quick and easy. Simply visit and follow these simple steps to apply:

Step 1: Select Loan Amount and Term

Start by considering your financial situation and budget, then select a suitable amount to borrow and the repayment period you need. The loan amounts range from $100 to $5,000 and the repayment periods available are from 3 to 12 months. Of course, you must avoid borrowing more than you can afford.

Step 2: Capture Your Details

After you’ve selected the loan amount and term, you’ll need to capture your details in the quick and easy to follow online application form. The information helps verify that you indeed qualify for Perth cash loans. You’ll need to provide your personal details, income or employment information, financial details, and expenditure information.

Rest assured that everything you share remains strictly confidential between the lender and us.

Step 3: Receive Your Decision and Funds

You’ll receive a decision on applications for loans in Perth within two minutes after your application is received. Once we find a suitable third-party lender who can offer you a loan, you’ll be connected to them directly to complete the process.

They may contact you via email or telephone and may ask for further supporting documentation at this stage for verification. Ensure you have your banks statements, payslips, tax returns, proof of address and ID handy to hasten the process.

If everything is in order, you’ll get a loan contract for you to review and accept. Review the agreement carefully, the terms and conditions, repayment schedule and any fees or charges not mentioned initially. Sign it and return it to the lender if you’re happy with the terms, and you should receive the funds in your account within 24 hours at the latest.


Is Viva Payday Loans a Lender in Perth?

No. Viva Payday Loans isn’t a lender in Perth. We only provide loan matching and brokerage services between borrowers and Perth’s most reputable third-party lenders.

Will I Pay for Using Viva Pay Loans?

No. Using Viva Payday Loans services is free of charge, and you’ll not pay a single cent!

Who Do I Contact with Questions After Receiving My Loan?

The contract will exist between you and the lender once the loan is in place. If you have any questions, it’s best to contact the lender directly. They’ll share their contact details with you when setting up the contract.

How Do I Prove My Income if I’m Self-Employed?

Instead of payslips, there are other documents you can provide to prove income when you’re self-employed. They include annual tax returns, bank statements or profit and loss statements.

Can I Apply for Multiple Loans in Perth?

You shouldn’t make multiple applications for loans in Perth as it can hurt your credit score. Only apply for a single loan product at a time. When you use Viva Payday Loans, we check multiple lenders with no adverse effect on your credit score.

What Must My Credit Score Be to Apply for Payday Loans in Perth?

Even if you have a bad credit score, you can apply for a loan via our portal. Not all lenders consider your credit score the deciding factor on a loan. Instead, they will look at your income versus expenses to determine if you can afford the loan.

What is the Average APR on Viva Payday Loans?

Cash loans Perth applied for via the website come with up to 48% APR on loans over $2,000. Loans of $2,000 and below come with zero interest attached.

If I Am Self-Employed, How Do I Prove My Income?

When applying for unemployed loans in Perth, you can use your bank statements and tax returns to prove your income.

Can I Apply for a Loan if I Am Under 18 Years Old?

No, to be eligible for a loan you must be at least 18 years of age.