Viva Loans

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Fast Transfer
On average funds are transferred within 15 minutes*
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Our form takes 2 minutes to complete, decision provided instantly!*
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Get a quick estimate for your loan
How much cash?

How long for?
  • 3 months
  • 4 months
  • 6 months
Your Loan Summary
Repayment by:
In your account by*: 02:42am
Total to repay:

Rates from 278% APR to max 1576% APR. Minimum Loan Length is 3 months. Max Loan Length is 6 months. Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £559.68 in 3 monthly instalments of £186.56. Interest charged is £159.68, interest rate 161.9% (variable). interest rate 161.9% (APR variable). We are a credit broker not a Lender.


How it works

How it Works!

Some payday 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 payday 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 application.

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

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For quick 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 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, at the very minimum, you need to:

It doesn’t matter if you are a single parent, a retiree, on benefits, unemployed, or an immigrant – the eligibility criteria will vary between each lender.

No credit required

Get payday loans with no credit history. 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's 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. The renewal policy will vary depending on which lender accepts you, some lenders will allow you to rollover your loan but only for a maximum of 3 months.

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.

Borrow Responsibly: Payday loans are designed to be able to help people in the need of a quick and short solution and should not be used for long term borrowing under any circumstance.

Credit Score: Your credit score may be effected whilst applying for a loan at If you are accepted by a lender, they will conduct a full credit search on you to ensure you can afford to repay the loan, this will leave a hard footprint which may impact your credit score. 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: 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 3BW. Season Marketing Ltd is authorized and regulated with full permission by the Financial Conduct Authority and entered on is the Consumer Credit Register under reference number: 727385. Licensed by the Information Commissioners Office, (registration number ZA064129).

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