Rating based on 83 reviews

Viva Loans

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

In-page navigation

Viva Payday Loans homepage
Author Viva Payday Loans. Screenshot of Viva Payday Loans website.
[Accessed March 15, 2023]

About Viva Payday Loans

We are an Australian owned short-term loan provider that goes above and beyond to ensure our customers can access the credit they need - when they need it!

Pressed for time?

There is nothing more frustrating than having to wait in a queue at the bank or fill in lots of paperwork when what you really need is cash right now. At Viva Payday Loans we offer payday loans quickly and 100% online - no need to wait hours and days for the money to get to you!

Lower rates and flexible loans

We offer quick loans up to $5,000 - which is much higher than you'll find on offer with other payday lenders and to make things even better we also offer lower rates than most too!

Viva Payday Loans Services

We offer quick loans that range from a small $100 to a decent $2,000 - to people who need cash fast, right now!

Payday loans explained

Payday loans are expensive simply because you're borrowing money for a concise amount of time and the loan is always unsecured - so there is more risk to the lender. That being said, some lenders carry interest rates that go into the thousands and Viva Payday Loans simply doesn’t think that’s okay.

What can we help you with?

Do you need to take a small holiday and get some much-deserved rest? Perhaps you are planning a trip and need some extra travel money in a few days.

Or maybe you're just short on cash and have to buy groceries or pay some important and urgent bills. Whatever you need to do - a short-term loan from Viva Payday Loan can help you do it. 

Viva Payday Loans – Short-term loan

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

Benefits of Viva Payday Loans

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

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 - Reliable short-term loans

Our interest rates are much more affordable than those customers get when taking our unsecured payday loans from other online lenders.

How much do you need?

We offer payday loans online that range from a small $100 to a more comfortable $5,000. You can choose the amount that you need and then proceed to complete our online loan application form. It's fast and effortless and can be done in just a couple of minutes.

Great customer service

Whether contact us by email or by phone our staff will take care of your every need and help you get your emergency loan credited to your account as quickly as possible.

When it comes to the customer we're above the rest because we care about you, about your financial well being and strive to help you make things happen.

We will always answer your questions and assist you with your applications or loan repayment problems - all you need to do is reach out!

Loan application requirements

To apply for a loan with Viva Payday Loans you must be aged over 18, have a bank account, be employed and earning moreover a set threshold. You should also have an email account and be a resident of Australia.

We cannot offer short-term loans in Australia to clients who are bankrupt or cannot afford to make the repayments with their primary income.

Applying for a loan shouldn’t take you more than a few minutes since the applications can be made online and the funds will be transferred to your account usually on the very same day.

Why you should use us

  • We're a direct lender
  • We're discreet
  • We're more affordable than other payday lenders
  • We offer an online application - no paperwork
  • Applications are secured with leading technology
  • We have an experienced team available to assist you
  • You can borrow up to £2,000

Making your loan application

To make an instant loan application with Viva Payday Loans simply visit our website and click on our "Apply Now" tab. This application form will only take a few minutes to complete and will be processed fairly quickly by our highly efficient staff.

We will gather your personal and employment information, ask you about your monthly income and expenses and your bank account details - after which we will conduct the required check and send you’re your cash!  

man holding thumbs up

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

In our review, Viva Payday 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 Payday Loans is a registered credit provider in Australia: ACL 487316

Customer Reviews & Testimonials

November 2018

If you find yourself pressed for time and money, Viva Payday Loans is the lender that you need to see. They know how to make the borrowing process easier on the applicant. When I found myself in ...

Dwayne P
— Kempsey —

January 2019

The service at Viva Payday Loans is the next level – they know how to make their customers feel like royalty. They understand the importance of getting the right loan for the situation which is w...

Jonah T
— Maitland —

April 2019

When it comes to completing applications I have to say that Viva Payday Loans has got it spot on – their application is online which saves you time, money and effort. It is also easier to send al...

Stacy J
— Richmond —

February 2019

Viva Payday Loans short-term loans are superior to others that I have come across in my financial journey. From interest rates to borrowing terms and amounts, they are better across the board.

Jodi H
— Sydney —

Viva Payday 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