Viva Loans

Warning: Late repayment can cause you serious money problems. For help go to
We are an authorised credit broker and not a lender.

Fast Transfer
On average funds are transferred within 15 minutes*
Representative 1192% APR
Instant Decision
Our form takes 2 minutes to complete, decision provided instantly!*
Representative 1192% APR
A secure service
We will never share your personal details without consent
Representative 1192% APR

Warning: Late repayment can cause serious money problems, for help or advice please go to

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Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Max Loan Length is 12 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable). We are a credit broker not a Lender.

Christmas Loans

We all know that Christmas can be a drain on finances. A report by The Independent claims that almost 8 million Brits admit to spending so much over this period which is why Christmas loans have become such a popular safety net.

Loans for Christmas time used to be difficult to get quickly, often requiring meetings at the bank which could take weeks to get. Today, Christmas loans can be arranged in minutes and, thanks to Viva Loans, you won't need to wade through each individual direct lender to find the best deal.

Let's take a look at how loans for Christmas can be applied for quickly, and what you can do to make sure that you're eligible.

What Can Christmas Loans Be Used For?

Christmas loans work in the same way as any other type of short term loan in that they can be borrowed over a few weeks or months to help get you through an expensive time of year.

You can use Christmas loans for any personal expense whether you need to stock up on gifts, food, drinks or any other seasonal purchase.

Away from the formalities of the festive period, Christmas loans can also come in handy due to the adverse weather conditions. Whilst we all try to be as careful as we can, Christmas loans can be a huge help should your car break down, you be unable to get to work, or an accident occurs around the home.

Am I Eligible For A Christmas Loan?

Each lender that offers loans for Christmas uses a different set of criteria when making their individual assessments. These might include using credit scoring as well as taking down some information about your residential and employment statuses.

No matter what Christmas loans lender you choose, you'll need to fulfil some basic qualifying criteria, including:

Paying Christmas loans back on time and in full will actually help to improve your credit rating, so the next time you need credit you'll be able to attract a wider range of loans for Christmas or any other time of the year.

How Can I Apply For A Christmas Loan?

Applying for a Christmas loan has never been easier thanks to the Viva Loans comparison platform which does the legwork on your behalf in minutes.

We take the information you provide and simultaneously search hundreds of lenders in order to help you find the most suitable, competitively priced product for your needs. You'll be presented with a range of information regarding each Christmas loan which you should take into account when choosing a suitable lender.

After completing some final assessment details with your Christmas loan lender, you'll receive an instant online decision before receiving a credit agreement if accepted. This needs to be electronically signed and returned at which point your Christmas loan will be transferred straight to your bank account.

Most loans for Christmas are transferred within 24 hours although there are multiple Christmas loan lenders who offer a same day service.

Get a great deal on your next Christmas loan today by filling out one short application that will help you to find the best Christmas loans lender for your needs.