Rating based on 9 reviews

Viva Loans

  • Short-term loans up to $5,000
  • Low-interest starting from 199.43%
  • Repayment up to 12 months

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Viva Loans homepage
Author Viva Loans. Screenshot of Viva Loans website.
[Accessed May 2, 2023]

Viva Payday Loans - They have fast loan turnaround times

Viva payday loans were created as a short-term loan solution for Australian citizens they offer payday loans for people in their time of need.

They use the latest technology to match you with a lender that will meet your individual needs. They aim to put their customers first and provide you with the best service. Their application process can be completed online and you will receive an outcome within minutes and the funds will be paid directly into your bank account.

How much can you borrow?

Their payday loans range from $100 to $1000 and must be paid by your next payday. They aim to get you the money that you need as quickly as possible.

100% free to apply

To apply for one of your payday loans is a 100% free and there is no obligation to take the loan so there is no reason not to see if you qualify.

Loans up to $2,000

They offer easy, convenient, affordable loans when you need them most.

Their fast loans can be paid into your nominated bank account within minutes of your loan application is approved. Even if you have a bad credit history or credit score you may still be able to get a loan.

When you need a bit of extra cash or you have a bad sales month their short-term loans will help you in your time of need.

To apply for a Viva Payday loan is very simple. Just follow these 3 easy steps

  1. Apply online. Chose how much you need to borrow up to$2000 and up to 30 days to pay. The loan must be paid back by your next payday.
  2. Provide them with your personal details and additional information.
  3. Get a decision within minutes. If your online loan application has been approved, the funds will be paid directly into your nominated bank account.

Viva Loans – Short-term loan

  • Loan Type Short-term loans
  • Interest Rate from 199.43%
  • Loan Amount up to $5,000
  • Repayment 1 month to 12 months

Benefits of Viva Loans

  • They offer lower interest rates
  • They are a direct lender of short-term loans
  • Quick and easy online loan applications

Short-term loan calculator

The interest rate of a loan will vary based on your credit score and risk profile.
This short-term loan calculator is for illustration purposes only.
The use of this loan calculator is subject to our terms of use.

Viva Payday Loans - They have affordable loan options

Viva Payday Loans is a responsible lender and they only encourage you to take a loan if you are in the financial position to pay it back easily and taking a loan won’t cause you to fall into a debt trap.

If you are having money problems and you can’t afford to take a loan, they suggest that you visit moneyadviceservice.org.uk or speak to a debt counsellor. For help with financial management please call 1800007 007 for free from anywhere in Australia to speak to a financial counsellor.

How to apply

  • Apply by visiting their website and filling in the online application form.
  • Select the amount that you would like to borrow and the loan term up to 30 days, then select the purpose the loan will be used for.
  • Supply your personal details, your address details and your employment details.

Financial solutions when you need them

Sometimes the people that need a loan the most are declining because they have a bad credit score or a flawed credit history. They understand that you might be in need of a loan and they offer bad credit loans to those with bad credit of up to $2000 and give you up to 30 days to pay the money back. The money will be paid directly into your bank account on the very same day.

Do you qualify?

  • You must be an Australian citizen
  • You must be 18 years or older
  • You must have a job and a regular income
  • You must have a valid bank account

Your credit history won’t count against you

  • Because the loan needs to be paid back in full by the next payday your bad credit history will not be held against you and you will still be able to qualify for a loan.
  • Payday loans are auto-withdrawal loans this means that the amount will be deducted in full on your next pay date there is no way that you are able to miss a payment
  • Your credit score will not count against you as the loan is based on your income

What does having bad credit mean?

  • Non-payments of past loans
  • Defaulting on credit card repayments
  • Using loans services too often
  • Not paying instalments on time for goods and services

There are ways to improve your credit score they include:

  • Don’t apply for short-term loans that you don’t need
  • If you have a loan make the full payments on time
  • Don’t miss any payments on credit cards and pay on time for goods and services
  • Pay all your bills on time
  • Don’t overdraw on your bank account or let your account reach $0
  • Save and have a credit buffer in case of emergencies

When should you consider a short-term payday loan?

  • Needing money for a medical emergency
  • Needing to urgently pay a bill before a service is suspended
  • Paying an account to prevent defaulting and affecting your credit score further
  • When you need an emergency loan and doing so will not affect your financial status

Higher interest rate 

A short-term loan is charged at a higher interest rate than other bank loans and are usually for a small amount of cash that needs to be paid back in a short period of time.

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Viva Loans is a trusted & reliable provider of short-term loans

In our review, Viva Loans adheres to the compliance criteria in accordance with the National Consumer Credit Protection Act 2009, where the granting the loan will not cause financial distress to the consumer.

✅ Viva Loans is a registered credit provider in Australia: ACL 487316

Customer Reviews & Testimonials

A monthly salary sometimes exceeds our expenses due to unexpected circumstances. When that happened to me I was able to run to Viva payday to enquire a payday loan. I didn’t want to have a long t...

Lucas W
— Newcastle —

Friendly consultants. I felt welcomed when I was in the branch.

Stefan B
— Adelaide —

Viva Loans Contact

Physical Address

  • Unit 4, 134 Constance St, Fortitude Valley Brisbane Queensland 4006 Australia
  • Get Directions

Opening Hours

  • Monday 09:00 – 22:00
  • Tuesday 09:00 – 22:00
  • Wednesday 09:00 – 22:00
  • Thursday 09:00 – 22:00
  • Friday 09:00 – 22:00
  • Saturday 09:00 – 22:00
  • Sunday 09:00 – 22:00