Find Your Personal Loan: $500 – $5,000


A cash advance is almost exactly as it sounds. Money advanced to you directly until your next payday. Cash advance loans are short term loans that you can use to get out of a tough financial situations such as:

Your rent being overdue and you facing possible eviction.
The electric company cutting off your power if you miss another payment or them charging you a late payment or reconnection fee.
An emergency room visit that has left you without money for basic living expenses until your next payday.
With these situations and more, ViviaFi can connect you to the direct lenders we work with who could provide after an approval with the cash advance you need. Get the money you need today, so that your bills don’t overtake you tomorrow.



At ViviaFi, bad credit isn’t as much of a concern when thinking of applying for a cash advance. With the many lenders we work, we cannot guarantee that they will not run a hard traditional credit report to determine your loan eligibility, while the lenders may utilize some form of credit check, many using alternative means of verifying your information. Your paycheck, application and soft credit checks provide many lenders the information they need to help provide you with a loan. So if fears of the big banks and your credit history have been holding you back from getting the money you need, let us help you to find a cash advance loan today through the many lenders we work with.

Unpaid bills can pile up quickly. Gas, electric, internet, cell phone. Failing to pay any of these can deny you access to necessary services and utilities down the road. Not to mention those nasty overdue notices in the mail. A cash advance from ViviaFi can buy you the time you need to catch up on bills so that you can rest easy again.

If you can’t pay an important bill, or if you are thinking about letting your checking account be overdrawn, you can avoid potential late overdraft fees and even a hit to your credit score by using a cash advance for payment. As long as you pay back the loan on time and your cash advance interest expenses are less than the potential fees, this is a quick and easy way to avoid these costly charges, and protect (or improve) your credit rating.

One way that people tend to get a cash advance is with their credit card. Head over to the ATM, swipe your card, enter your pin, and withdraw your cash.

Sounds pretty simple. Right?

Not so fast. For starters, not everyone has a credit card, and not everyone wants a credit card. Having a little piece of plastic in your wallet that’s ready to put you in debt at a moment’s notice can be pretty dangerous, depending on whose hands it’s in. Banks are all too willing to approve clients for a credit card so that you’ll max it out and end up paying heaps in interest.

Furthermore, credit cards are one of the worst ways to go about getting a cash advance. They might be fine for paying the odd bill or making online purchases, but most banks apply very high fees for cash advances from credit cards. This is because banks are taking extra risk when you take out cash than when you are paying for goods and services.

You can avoid hefty credit card fees by applying online for a cash advance through ViviaFi and our direct lenders we work with. While you might be able to get a loan in person at a nearby store front location, we meet our customers where they are at in the 21st century with a streamlined, simple, and FAST online application form to connect you with the lenders we work with. If approved after you apply, deposits to your bank account are typically the following business day depending on the lender.

The beauty of an online cash advance is that you can take care of everything from the comfort of your computer or smartphone. Fill out the application, provide your proof of income, your electronic signature, and if you are approved the money will be deposited to your account as soon as possible, often by the next business day depending on your lender.

No mailing files. No trips to the bank. No waiting in line at a store front location.

We know how intimidating it can be to navigate a loan application process. You aren’t looking for someone who is going to trick you into a loan you can’t afford with big words and confusing terms. You are looking for a lender who can give you straight forward answers in plain language. We work with many lenders, and you are free to look over the terms and ask any questions before signing should you be approved, putting you in the driver’s seat.

These frequently asked questions are meant to help you understand your online cash advance as simply as possible. Although they might not cover everything, we have tried to provide much of the most important information that you might need to know right now to apply for a cash advance today.

When you are late to pay for housing, you do more than just threaten eviction. You are affecting your credit score! If you have any hope of taking out bigger loans in the future, you can’t afford to damage your credit history by missing a rent or mortgage payment. Keep a roof over your head and preserve your future credit rating by taking out a small cash advance loan today.

When unexpected expenses pop up out of nowhere, most Americans don’t have the savings necessary to take care of them on the spot. Maybe you were in a car accident and need to pay for an ER visit, or another unexpected expense.

Whatever the case, a short term cash advance online through ViviaFi and the lenders we work with can let you take care of your emergencies sooner rather than later—because there are some things in life that you just can’t put off for another day.

Your cash advance is just one quick and simple application away.

At ViviaFi, we don’t judge and we don’t ask questions about what you need the money for. Everyone goes through tough times, but not everyone has access to money from the traditional banking system.

That’s what we’re here for.

We help connect people with less than perfect credit or no credit rating at all to be connected to lenders who will review the application when traditional banks turn them away.
We give the people with bad credit a second chance when they need help.
We provide a near instant decision on your application if you have been approved with one of the many direct lenders we work with for the money that you need.
Getting cash has never been easier.

All you have to do is follow the simple loan process, wait for an approval, and money could be in your possession before you know it.

Once the approval process is complete the funds will be deposited directly into your bank account as soon as the next day depending on the lender. Cash advances are short term loans unlike borrowing money for a new car, you can typically pay back the loan in a matter of weeks rather than several years.

A cash advance loan is often confused with a payday loan online. While the direct lenders that work with ViviaFi offer payday loans, cash advances occasionally can be a little bit different, and in some instances as they are the same loan product just with a different name. Typically, a payday loan is expected to be repaid from your next paycheck. When you receive a cash advance, some direct lenders may allow you to have a longer period of time to pay back the money. This loan type may be similar to or actually an installment loan online so please make sure to read your contract and find out all loan options available to you.

Getting your online cash advance is easy when you choose ViviaFi. All you need to do is complete our online form and provide a few basic pieces of information, some examples of required information include the following:

Name, address, phone number, and email
Checking account information
Proof of income and/or employment details
We will then use your information to provide you with a quick decision process from the lenders that we work with. Once approved by a lender for your cash advance you will be redirected to an e-signature page that will include important information such as the loan amount, interest rate, minimum payment, and length of the loan.

Once you accept the terms of the loan, the funds will be deposited directly into your checking account as soon as the next business day depending on the lender. The entire process can be completed online much faster than applying for a loan or credit card through a bank.

You can use the money you borrow for whatever you need. Many borrowers typically take out a cash advance loan for reasons like these:

Emergency medical bills
Pay utilities, rent, or mortgage
Make a car payment on time
Purchase necessary school supplies

© ViviaFi 2024. All Rights Reserved.

-ViviaFi is not a lender in all states. ViviaFi uses various credit reports, data sources, and application information as part of their underwriting. Not all applications are approved. Approval and loan terms vary based on applicant qualifications and by state. Decision may take longer if additional verification or documents are required.

†Applications approved before 1:30 p.m. CT Monday-Friday are generally funded same business day, subject to your bank's processing times. Applications approved other times are generally funded the next business day. Some applications may require additional verification. In such cases, if approved, funds will be disbursed by the following business day after the additional verifications are complete.