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
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Our form takes 2 minutes to complete, decision provided instantly!*
Representative 1192% APR
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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.


What is a ‘payday loan’?

A payday loan is a small loan that a borrower is expected to pay back on or before their next payday.

At Viva Loans, we help you borrow up to £2,000 from direct, responsible lenders over flexible terms, ranging from 3 to 12 months.

Have payday loans always been around in the UK?

Yes. Quite surprisingly, and in contrast with popular belief, payday loans have been around in the UK for decades, albeit under different names and forms.

Traditional ‘employer credit’ – a credit that employees get against their next paycheque – is perhaps the best known and the oldest form of a payday loan. Also, cash advances, credit advances and High Street salary advances are other formats that payday loans can trace their origins back to.

Payday loans are believed to have attained their present form in the early 90’s.

Who is eligible to get a payday loan in the UK?

The eligibility criteria to get a payday loan in the UK are quite broad, and largely inclusive. To get a payday loan from a direct lender in the UK, you need to:

How do I go about getting a payday loan in the UK?

The most conventional way to get a payday loan in the UK is to simply walk to any reliable High Street lender. However, in this day and age, it would seem quite anachronistic and inconvenient for many to follow this route – and quite rightly so.

That’s why, applying for a payday loan online becomes a more convenient and quicker option. Instead of applying to several lenders separately, you can just apply for a payday loan at a free credit broker like Viva Loans to get quotes from interested lenders without lengthy paperwork.

Is it cheaper to get a payday loan online?

In most cases, yes, it is cheaper to get a payday loan online. This is because online payday lenders do not have to pass on unnecessary overheads like shop rent and local taxes to borrowers.

Is it possible for the unemployed to get a payday loan in the UK?

Yes, it is possible.

If you are presently unemployed, you can still get a payday loan, provided that you have an alternate source of regular monthly income in the form of pension, benefits or credit interests from other investments/properties.

That said, it should also be mentioned that most payday lenders are likely to favour applications from full time/part time employed applicants.

Why are payday loans called ‘instant loans’ or ‘same day loans’?

Payday loans are often referred to as ‘instant loans’ or ‘same day loans’ because of the following reasons:

What are ‘no credit check’ payday loans?

‘No credit check’ payday loans are instant payday loans that are granted by payday lenders without running hard credit checks. Since these involve no credit check/soft credit check, these leave no ‘footprints’ on applicant’s credit history, and hence, are called ‘no credit check’ payday loans.

Does this mean I can get a payday loan despite having a poor credit score?

Yes. As long as you fulfil the necessary criteria of qualification and you have an assured source of monthly income at your disposal, most payday lenders will be willing to lend to you – even when you have a poor credit score.

Is the payday loan industry in the UK affiliated to banks or credit agencies?

No. Payday lenders operate privately, independent of any bank or credit agency.

How big is the payday loan industry in the UK?

While no official stats are made available, it is widely believed that the payday loan industry in the UK collectively grants loans worth over £2 billion each year. There are over 200 registered payday lenders presently operating in the UK market.

Is the payday loan industry in the UK regulated?

Of course. Payday loan industry in the UK is well regulated with a number of regulatory agencies. These include the Financial Conduct Authority (FCA), the Office of Fair Trading (OFT) and the Competition Commission (CC).

Since the payday loan industry is regulated in the UK, it can be implied that it’s absolutely safe to get a payday loan from a responsible lender, as long as you are confident that you will be able to settle it on schedule.