Payday Loans are short-term, low-interest loans that are provided by financial institutions. These loans must be repaid once the borrower’s next paycheck arrives. Payday Loans are a relatively new financial product which can help people with complicated financial situations. There are many misconceptions about payday loans. Consumers have questions about how and when to repay it. These doubts are addressed by the following guide on guaranteed cash advance loans get them instantly with Ipass.

#1 Payday Loan with Guaranteed Approval – Viva Payday Loans

How can I apply online for an instant payday loan?

Many payday lenders offer an easy-to understand online platform, where you can easily access your financial products. While the process might vary slightly from lender-to-lender, the core steps are generally the same. Let’s say you want to apply with Viva Payday Loans. They are a lending broker. The broker provides an entirely transparent system that can provide loans to applicants in under 15 minutes.

You can apply for guaranteed online payday loans instantly by following the four easy steps outlined in this guide.

  1. Locate a reputable loan provider – Use a reputable bank or loan finder service like Viva Payday Loans. The official website has details on the APR rate of the loans.
  2. Submit the application Viva Payday Loans will send you a short application asking for the amount that the borrower would like to borrow. There are two types of loans: $100 and $5000. Lending terms may range from 3 to six months.
  3. Get your decision. After the borrower makes a decision about how much to borrow money, some additional information concerning personal information is required. Viva Payday Loans guarantees confidentiality for personal information.
  4. Approve your loan. Most applicants will get a decision within just a few minutes after applying. Viva Payday Loans are easy to get loans because there is no credit check required. If you’re approved, your loan will be available within 60 minutes.

What are Instant Payday loans?

In-the-moment payday loans are short term financial credit products that help financially weak individuals meet immediate cash demands until their next paycheck. These loan products are more expensive than traditional loans. They typically have double-digit annual percentage rates (APRs) that can be as high as 12% and terms of between three and six years.

Payday loans operate differently from other personal or consumer loans. An individual may be able get immediate payday loans either through an online broker or a physical broker depending on where they are located. Online payday loans can be obtained from many payday loan lenders in the United States. Payday loans might be subjected to various state and federal laws. This may limit how much interest you can get or how much you can borrow.

Once you have been approved, you will be able to receive the loan either in cash or by check. Or the money can be sent directly into your bank account. The loan must be repaid in full within the agreed loan term. The loan amount and lenders will determine the finance charges. Payday lenders charge steep APRs in order to offset the risk involved in providing loans to individuals.

Most people who apply for guaranteed payday loans do not have many options when it is time to get credit. They are often low in income and have poor credit histories, which makes them disqualified from traditional bank loan products. They may not feel comfortable asking for help from their family and so they resort to these reliable, discreet, and instant lenders who can provide short-term relief. Payday loans can be easy to obtain with minimal paperwork.

Direct lenders have much lower requirements than traditional payday loans. They also don’t require credit histories or high credit scores. These factors allow for faster approvals. Most lenders don’t do a credit search and require only valid identification documents. Working with multiple lenders increases your chances of getting payday loan approval. Lending brokers offer borrowers access and flexibility to different loan products, with lenders that offer better rates. It saves time and energy as the borrower does not have to apply for payday loans through individual lenders.

5 Best Instant Loan Providers Were Reviewed

Online lenders and payday loan brokers have increased in popularity due to the growing demand. Here are some top brokers who can provide guaranteed payday loans regardless what.

1. VivaPaydayLoans – The Best Payday Loan Provider

Payday Ventures Ltd. operates which is a reliable online payday loan provider. It is not an actual lender but works in conjunction with a network lenders who use a matching system. It does NOT make loan decisions or credit decisions. The application process is simple. You can apply for loans in many denominations and amounts, including $1000-$5000. Depending on your terms, the typical repayment period can be from 90 days up to 6 monthly. The interest rates for loans range from 5.99% – 35.99%.


    • The broker has an easy-to use website.
  • It may be purchased in most of the United States.
  • Their decision-making time is just 2 minutes.
  • It is home to a vast network of lenders which makes it easier for you to find the best payday products.
  • There is no charge for using their search engine.
    • Viva Payday loans may not be available in some states.
  • Direct lenders are not the best option for some borrowers.

2. Credit Clock – Best for quick funding 24/7 (another payday broker) uses a unique algorithm that matches the borrower’s needs to their lenders. They match the borrower’s preferences and information. The broker does this without charging a fee.


    • It has an easy-to use application form that you can fill in in a matter of minutes.
  • For a payday loan, you can only apply for $5000.
    • The brokerage does not provide services in Montana. South Dakota. Vermont. West Virginia. Montana. South Dakota. Vermont. West Virginia. Vermont. West Virginia. Vermont. West Virginia. Montana. South Dakota. Vermont. West Virginia. Vermont. West Virginia. Arkansas. Connecticut. New York.

3. Money Lender Squad: Best for a broad range of lending options makes it easy to get a line of credit. The website is very simple, and allows you to easily navigate through the options to enter your preferred loan terms. The maximum term of loans available is six months. It works with many lenders within its network, which may conduct background checks for borrowers.


    • Allows anyone to apply for and receive loans in just a few hours.
  • It cannot conduct credit checks.
    • The website is not very detailed about the lenders that are part of its network.

4. Very Merry Loans-Best for Guaranteed Decision within 2 Minutes

Very Merry Loans (USA) is a broker that connects potential lenders to borrowers at no extra cost. They earn a commission every time a successful loan connection is made. The best rated broker can provide funding for many different needs, offering loans from $100 up to $2000. Very Merry Loans have relationships with over 30 lenders and loan companies, increasing your chances for acceptance.


    • With lenders with varied qualifications, your chances of getting a loan are high.
  • 24/7 customer service available with rapid response times.
  • Very Merry Loans works even on weekends, bank holidays and offers 24-hour application processing.
    • Borrowing cost cannot be guaranteed. It can vary from lender to lender.

5. HeartPaydays – The best option for an extensive range of installment loans, a bad credit loan provider for people with poor credit ratings, is designed for those individuals who have been turned down for loans elsewhere. They often offer lenders with APRs of less than 4 to 35%. This will depend on the quality and quantity of the lenders that are matched up with the borrower.


    • Lenders can take a couple of days or hours to obtain the loan amount.
  • Lenders can choose the terms and period they want.
  • Loans usually get approved within one or two days.
    • This broker doesn’t give any details about the brokerage team, nor other aspects like registration.

Features of an InstantPayday Loan with Guaranteed approval

Instant payday loans, although the legal definition is unclear, are short-term, high quality loan products that cost between a few hundred and $5000. Payday loans come with a number of federal and state laws. These laws may limit the amount you can access. While guaranteed approval payday loan features are very similar to traditional loans and have many common elements, the key differences can be seen below.

Smaller amounts

Payday loans are offered in smaller amounts than conventional loans like mortgages and installment loans. Viva Payday loan offers loans up to $5000.

Structure of the loan

Payday loan repayments are often made in one or more installments depending on the terms of your lender. The terms of the loan agreement that was presented to the borrower are also used to determine the due date for each monthly payment. Some lenders allow repayments that are made prior to the due date. This saves them significant interest.


The borrower grants the lender authorization to debit the funds electronically from his or her bank account. They may choose to repay their loans directly according to the repayment terms.

Credit requirements

These lenders won’t question an individual’s repayment ability while granting loans, as these products are especially aimed at individuals with poor credit scores and credit histories. It is therefore up to you to determine whether you can repay your loan amount on the due date.

Higher interest rates

These payday loan lenders offer loans with higher interest rate than normal. This is to compensate for the risk these lenders take in providing credit lines to financially challenged individuals.

There are several states that offer instant payday loans with guaranteed approval

Payday loans are not available in all U.S. states as the state law is not flexible enough. Many states won’t allow payday lender to operate as they charge higher than what is allowed by state regulations.

16 states prohibit extremely high-cost pay lending:

  • Georgia
  • New York
  • New Jersey
  • Arkansas
  • New Hampshire
  • South Dakota
  • Arizona
  • North Carolina
  • Connecticut
  • Maryland
  • Massachusetts
  • Pennsylvania
  • West Virginia
  • Vermont
  • District of Columbia

Benefits and drawbacks of online guaranteed payday loans

Payday Loans are available to many individuals who have financial difficulties. These people may not be eligible for regular loans from banks or financial institutions due to technical reasons such as a lower credit score, bad credit history, or a decline in their credit rating. Payday loans are guaranteed to be available the same day, helping such people to alleviate their financial burden. Although payday loans come with some drawbacks, there are many benefits to this type of lending that we will detail in the following paragraphs.

Most rapid access to credit

Payday loans have the best feature: they are accessible immediately. Borrowers don’t need to wait for approval and don’t need to fill out complicated paperwork. In most cases, borrowers get the loan amount within one day of applying. After the borrower submits their online application, payday lenders issue a decision immediately. Because it is online, many of these services work 24 hours a days. Payday loan lenders make it easy to get a payday loan.

No risk of seizure

Payday loans provide instant financial relief by providing quick cash in much smaller amounts. These loans are unsecured, and they are not attached to any borrower’s assets (such as a home/car). This allows the borrower to have some peace of mind knowing that any payments are on time and cannot be repossessed. In the event of default, lenders won’t be able repossess your property as with mortgage loans.

There are less strict requirements

Traditional loans from banks and financial institutions require that borrowers provide documentation, such as social security numbers and photo IDs. Proof of income and credit score details are also required. The borrowers also need to show proof that they are able to repay the loan. Payday loans, however, do not require any paperwork. Most brokers require only a bank address, proof of citizenship, and an email address.

Credit checks

Because of their poor credit history, traditional financial institutions like banks will often reject many applicants. These people need to borrow money immediately, in order to avoid credit inquiry. While lenders might access your credit records and past history, the requirements to be granted loans are extremely low.

However, payday loans aren’t without their problems.

Debt cycle

If one fails to plan the repayment schedules correctly, one can become trapped in a debt cycle that will require you to take on new loans to repay any existing loans. Payday loans can lead to this scenario because the interest rates as well as APR are very high. The additional fees charged by some lenders can cause financial strain and make it difficult to repay the loan.

Legal hassles

Payday loan borrowers can sometimes find themselves involved in legal disputes that can have a negative impact on their finances, time, energy, reputation, and financial health. It can also have a negative affect on your credit score. This can result in heavy fines and even imprisonment in extreme situations.

Criteria for Eligibility

Payday lenders such as Viva Payday Loans don’t have rigid eligibility criteria. This allows people who are financially strapped to quickly receive cash. A payday loan is possible for nearly all FICO ratings. These are the main criteria for getting payday loans.

  • Applicants for Viva Payday Loans must be at minimum 18 years of age.
  • Must be the holder valid U.S. citizenship documents.
  • Use a valid telephone number and/or email address.

Application Process

The application process at Viva Payday Loans can be done quickly and easily. The website has been professionally designed. It is easy to navigate and provides information on all available loan amounts. The online form is very easy to use and takes just minutes.

A broker will require additional information to determine if an applicant is qualified for a payday loans. The information sent by applicants will remain private and only shared with the lenders. Once the form is completed, you can submit it to start the loan approval process.

Viva Payday Loans has a reputation for quick approvals. This is ideal for applicants seeking immediate financial relief. No matter your credit history, nearly all applicants will be matched to a third-party lender. After connecting with the lender, the borrower is notified within the next day and given detailed instructions how to access the funds.