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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  • 3 months
  • 6 months
  • 12 months
Your Loan Summary
Repayment by:
In your account by*: 07:55am
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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.

Payday Loans, Direct Lenders

With so many direct lenders operating in the UK market, it can be a nightmare navigating your way through the pros and cons of each direct lender. Instead, using a broker like Viva Loans allows you to research the market in seconds, plus we charge no fees for our services.

Our panel of direct lenders cater to all financial circumstances, so whether you're looking for a short term payday loan or have a history of bad credit, we can help.

Let's take a look at how direct lenders work, and why using a broker like Viva Loans can help you to save time, money and hassle.

How Do Direct Lenders Work?

A direct lender is the term used to describe a lender who is directly responsible for assessing your application and providing you with a loan. Once accepted, the funds received from direct lenders can be used or a

There are thousands of direct lenders in the UK and comparing the merits of each individual one would take weeks of laborious research. Fortunately, Viva Loans saves you all of that hassle. By filling in one short application form, we'll compare hundreds of direct lenders simultaneously so that you can quickly and easily choose from direct UK lenders that best suits your needs.

What's more is that by using direct UK lenders, you'll have the peace of mind of knowing that you're dealing with a direct lender that's regulated by the Financial Conduct Authority.

No matter which direct lenders you decide to apply to, you'll need to fulfil some minimum criteria in order to be considered for any short term loan, including:

You'll then repay the amount borrowed from the direct lender in the instalments that were confirmed in your credit agreement. Once the loan has been repaid, your direct lender will update your credit file which will, in turn, improve your overall credit score. This can help to improve your chances of getting other types of direct lender credit in the future.

How Can I Apply To Direct Lenders?

Applying to direct lenders for short term loans has never been easier thanks to the Viva Loans comparison service. Simply complete our initial application form and we'll compare hundreds of direct UK lenders who can offer the funds you need when you need them most.

Once accepted, you'll receive a full breakdown of your loan in your credit agreement. This will detail the amount borrowed, total amount repayable, the date of your repayments and information about late repayment fees.

Almost every direct lender will transfer cash directly into your bank account within 24 hours of being accepted, however some applicants can receive their deposit in as little as 15 minutes!

Apply to a tailored panel of direct lenders today with Viva Loans and get a great deal on your next direct lender loan.