Requesting short term loans online is easy. Simply fill out the form, and once it has been submitted, wait to hear back from one of the direct lenders we work with to find out if you have been approved! Our form takes just a few minutes to complete.



With ViviaFi, your chances of being approved could be better than if you applied with a storefront vendor because we send your request to multiple direct lenders rather than having to request a loan from one lender at a time until you find one that is able to work with you. With the innovative online form found on our website, you can fill out your personal loan online request right now using whatever device you are using to look at this site. It doesn’t matter if you’re on a computer, tablet or smartphone. The form works on just about any platform. Because we use industry standard best practices for security, you can count on ViviaFi to keep your personal data protected during submission. We understand that you don’t want to give your financial information to just anyone. Your privacy matters to us.

Short term loans are a type of loan that consumers use to give themselves some extra funds between paydays. These payday loans online must typically be paid back within a few days, or weeks. The term for a short term loan will be in the contract that you receive upon gaining approval from your lender and the terms for these loans can vary from lender to lender.

Requesting a short term loan with bad credit? Don’t be overly concerned with what your credit history looks like. While lenders perform some type of credit verification, there are many types of credit checks. Every lender performs either a traditional, or non-traditional credit check. The direct lenders we work with specialize in smaller dollar amounts, they are able to focus more on your ability to repay the loan now than based on your past credit history. Some companies may claim that they can offer you a short term loan with no credit check. This is dishonest, as all lenders do perform some kind of credit check.

If you want to improve your chances of your short term loan request being approved, be sure that you fill out the form and submit it during regular business hours. If you want to increase the odds that you will be approved, be sure that you only take out a loan for an amount that you can easily repay within the terms of the lender’s contract.

When requesting a short term loan, please be careful to consider why you are doing it. Short term loans are not intended to be a solution to long term financial hardship. Common reasons to request a short term loan include: unexpected repairs for your car, fixing an appliance or other type of home repair that cannot wait until your next paycheck arrives, paying a bill to avoid painful late fees or having the debt sent to a collection agency. If you are in this situation, these might be just a few of the reasons that you would consider requesting short term loans online through the lenders working with ViviaFi. If you are approved, make sure that you read your contract completely, particularly the fine print before you sign it.

It is our philosophy that everyone has the right to request a short term loan online, regardless of their credit history. If you have bad credit, no credit or a poor credit score, you should receive the same opportunity to request a short term loan as someone who has good credit. This is why ViviaFi was founded, to create more opportunities for individuals who look for an alternative approach to borrowing.

Can I get a short term loan with no credit check?
Even though some sites may claim that you can get “short term loans without a credit check,” it’s just not possible. Every type of loan comes with some sort of credit check. Whether it’s a hard check that pings your FICO score or a less traditional check that uses alternative data for a credit decision, you are still going through a credit verification process.

While a no credit check loan may not be an option, there are some short term loans online that require no collateral that you may still qualify for, even with poor credit. Each of these loan types fits a particular need whether you need short-term cash or a larger loan with a longer term payment options.

ViviaFi does it’s best to help you find a loan that fits your personal lending needs, through the lenders we work with. So, if you need cash now or have an upcoming purchase you are going to make, consider requesting a short term loan from one of the direct lenders working with ViviaFi. Fill out the form today to request your loan.

Where is the best place to get a short term loan near me?
There’s no need to go looking around for “short term loans near me” with ViviaFi on your side! You can request a short term loan online, right now. Skip the line and don’t worry about looking for your keys or getting a ride. Fill out the easy and convenient form, it takes just a few minutes, and once its complete, sit back and relax while we submit your information to the lenders we work with. Because the process takes place online, you don’t have to worry about your personal financial details getting lost in a filing cabinet or forgotten about and you don’t have to worry about the person behind you in line looking over your shoulder and reading all of your information on a form while you wait to speak to someone at the counter. You also don’t have to wait weeks for a response. Some of our lenders are capable of providing a fast decision on whether you qualify, so don’t wait! Fill out the request form today!

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-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.