Viva Loans

Fast Application
Our form takes 2 minutes to complete.
A secure service
We will never share your personal details without consent
Help when you need it the most
Our support team will help you quickly and efficiently

Warning: Late repayment can cause you serious money problems.
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We are a free credit broker and not a lender.
We are aware of a scam circulating. does not charge any fees to customers. Please be aware of suspicious phone calls from anyone claiming to be from

Get a quick estimate for your loan
How much cash?

How long for?
Your Loan Summary
Repayment by:
In your account by: 06:06am
Total to repay:

Rates from 278% APR to max 1576% APR. Minimum Loan Length is 3 months. Max Loan Length is 12 months. Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92. Interest charged is £161.92, interest rate 161.9% (APR variable).

Viva Loans is regulated and authorised by the Financial Conduct Authority with Interim Permission (Reg: 665425) and follows the data protection act set by the Information Commissioners office (Reg: ZA064129). Please Read our terms and conditions before applying for a loan.

We are a credit broker not a Lender.

Features & Services
How it works
How it Works!

Some short term loan sites make it very confusing when it comes to getting a loan! Not Viva Loans.

Read our helpful guide and be on your way in just moments!

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Get a Quick Quote!

Nobody likes hanging around, especially when waiting for a short term loan.

Apply today and you'll receive a lender quote in under 2 minutes after application!

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Support Service

Our friendly customer support representatives provide the assistance you need with your loan.

Opening Hours
Mon - Fri: 08:00 - 22:00
Sat & Sun: 09:00 - 22:00

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For instant and hassle-free payday loans

If you ever find yourself in an emergency situation where just a few hundred pounds can help you find a way out, a payday loan can be an option worth considering. Think medical emergencies, sudden travel expenses, car repairs, house renovations, special occasions, unforeseen cash shortages or a delayed paycheque – for every urgent cash need, a payday loan can come in quite handy.

Payday loans in a nutshell

A payday loan is:

What we do

We, here at Viva Loans, help you find direct, responsible UK payday lenders who are willing to lend money to you at the cheapest interest rates (APRs). By filling in a common application form, you can explore dozens of loan opportunities – at no extra cost or hidden fees!

It must be noted that Viva Loans is a free credit payday loan broker, and not a direct lender.

Why choose Viva Loans

Are you eligible to get a payday loan?

Unlike bank loans or cash credits, payday loan eligibility criteria are extremely broad and widely inclusive. To be eligible to get a payday loan, you need to:

It doesn’t matter if you are a single parent, a retiree, a benefits recipient or an immigrant – If you fulfil the criteria mentioned above you will have little trouble finding a suitable payday lender!

No credit checks

Get instant payday loans without lengthy credit checks. Even if you have a poor credit score, there are responsible lenders willing to lend to you, and we will help you find such lenders.

Things to keep in mind

Have questions?

For any and every question you may have regarding payday loans and our services, do feel free to head to the FAQ section of our website. It’s also quite easy to directly get in touch with us online as well as offline.


APR: The APR provided above is an example only, the rate offered will be shown after your application.

Renewal Policy: The renewal policy is completely dependent on your circumstance. We recommend fully evaluating your offer upon it being provided.

Collection Practices: In most cases the money will be debited based on the agreed repayment schedule. If this fails then you'll be contacted in order to arrange an alternative method.

Credit Score: Your credit score will not be effected whilst applying for a loan at However if you are accepted by a lender and you choose to continue your application with them, they will conduct a full credit search on you to ensure you can afford to repay the loan. If you do not repay your loan on time, the lender will report this to credit agencies which will show on your credit report.

Financial Implications: Viva Loans is a non-charging broker, you will not be charged any fees by us for the use of our service. Interest rates will vary depending on the lender which accepts you, the interest rate may raise if you default on your repayments. You will never repay more than twice the loan amount you borrowed.

Licence: Viva Loans is a registered trading name of Season Marketing Ltd registered in England and Wales (Company number 08901402). Season Marketing Ltd's registered office; Season Marketing Ltd, 5 Roundwood Lane, Enterprise House, Harpenden, Herts, AL5 3RW. Season Marketing Ltd is authorised and regulated with interim permission by the Financial Conduct Authority with interim permission and is entered on the Consumer Credit Register under reference number: 665425. Licensed by the Information Commissioners Office, (registration number ZA064129).

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