So now that you know what a Viva Loan is, you now know that there is something that you can do when you need some fast money. The bigger question now though, is where would you go to get a viva loan and how do you know that you're getting the best deal? Get ready to put some more good and important information into your brain.As with any lender, research fees before making a decision. Ask about the flat fee and loan period. Another option is to request the loan's APR to make comparisons.Fourth, budget, budget, budget. Go through three months worth of receipts -- car payments, gas, rent, utilities, phone, groceries. Find out what you're really spending, and look for things to trim away. If you go out to eat every day for lunch, pack lunches in from home -- a good sack lunch can be made for under $1. Going out to eat at $8 per meal means that over the course of one work week, you save $35. Do that for an entire pay period, and you've saved $140 -- do it for three months, and you've just accumulated $400 or more to your debt relief.

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