Viva Payday Loans review: is Viva Payday Loans legit?

Viva Payday Loans does not make loans itself; it passes your application to partner lenders.

APR: 4.99% to 1,386%
Amounts offered: $100 to $5,000
States: 41 states
Complaints to the CFPB: None filed
Enforcement actions: None found

Viva Payday Loans on file

Product: This site matches loans by sending requests for payday, installment, and personal loans to outside lenders and buyers
Repayment length: 61 days to 72 months
Credit checks: A soft inquiry is advertised by the site for its 2-minute request, though no credit decision is made there and lenders might check Experian, Equifax, or TransUnion or use other providers.
Time to get the money: If a lender approves, money can arrive as early as the next working day; marketing pages also claim same-day funding after approval

Taken from what Viva Payday Loans publishes, CFPB complaint counts and public enforcement files. All sources are listed at the foot of the page

Good to know about Viva Payday Loans

It matches loans but does not lend; lenders and marketers pay it, and it may share your data with lead buyers.
While its own disclosures permit APRs up to 1386% for cash advances, marketing pages highlight APRs from 5.99% to 35.99%.
The service does not operate in 10 states, among them NY, IN, MN and WV.
No company name is given; only a suite address in Orlando, FL appears, and terms follow Wyoming law

States where Viva Payday Loans lends

Viva Payday Loans names 41 states on its own site. Each link opens that state's payday and small-loan rules as general background, not a ruling on Viva Payday Loans's own loans, which may come under a different state law or a partner bank. 11 of them cap small-loan rates, marked capped.

States Viva Payday Loans lists as off limits: Arkansas, Connecticut, Indiana, Minnesota, Montana, New Hampshire, New York, South Dakota, Vermont and West Virginia (10 in all).

Viva Payday Loans complaints and lawsuits

No complaints sit in the CFPB database under Viva Payday Loans's name.

Our search of CFPB, FTC and state enforcement records turned up nothing against Viva Payday Loans.

Want a cheaper loan than Viva Payday Loans?

Talk to a specialist about lower-cost choices in your state, credit union loans included. Talk to someone about cheaper options: 855.947.5189

This line reaches a debt and loan options specialist. We are not Viva Payday Loans and cannot reach your Viva Payday Loans account.

Viva Payday Loans alternatives: loans like Viva Payday Loans

Lender	Type	APR	Amounts	States named	CFPB complaints
Viva Payday Loans (this record)	Loan broker	Set by partner lenders	$100 to $5,000	41	None filed
Green Dollar Loans	Loan broker	Set by partner lenders	$100 to $35,000	–	None filed
Zippyloan	Loan broker	Set by partner lenders	$100 to $15,000	–	None filed
ACE Cash Express	Storefront and online lender	122.4% to 769.1%	$100 to $3,500	9	2,147
BrightLending	Tribal lender	325% to 725%	$300 to $3,000	41	None filed

– means the company does not publish it. Complaint counts are totals, not rates: a bigger company draws more. Open any name for its full record.

Questions about Viva Payday Loans

Is Viva Payday Loans legit?

Viva Payday Loans forwards your request to other lenders instead of lending itself. No complaints appear under its name in the CFPB complaint database.

Does Viva Payday Loans check your credit?

According to Viva Payday Loans: the site itself makes no credit decision; a lender may check Experian, Equifax or TransUnion, use alternative providers, or not check at all; the site advertises a soft inquiry with its 2-minute form.

How fast does Viva Payday Loans send the money?

After a lender approves, Viva Payday Loans says the quickest timing is the next working day; promotional pages claim same-day cash once approved.

Has Viva Payday Loans been sued or fined?

Our search of the official sites found no enforcement action by the CFPB, FTC and state regulators against Viva Payday Loans.

Where the Viva Payday Loans facts come from

The service matches loans but is not a lender itself.; The operator makes no decisions regarding loans or credit.; Your data goes to independent third parties, such as lead purchasers.vivapaydayloans.com
The same-day page displays marketing claims about APR and loan terms.vivapaydayloans.com
A CFPB company search finds no match for Viva Payday.consumerfinance.gov
Searching the CFPB for 'Viva' only returns Viva Finance Inc., a name unused on any Viva Payday Loans page.consumerfinance.gov