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.

Warning: Late repayment can cause you serious money problems. For help go to

Fast Transfer
On average funds are transferred within 15 minutes*
Representative 669.35% APR
Instant Decision
Our form takes 2 minutes to complete, decision provided instantly!*
Representative 669.35% APR
A secure service
We will never share your personal details without consent
Representative 669.35% APR

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

Get a quick estimate for your loan
How much cash?

How long for?
  • 3 months
  • 6 months
  • 12 months
Your Loan Summary
Repayment by:
In your account by*: 07:09pm
Total to repay:

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 2 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). We are a credit broker not a Lender.

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 2 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).


In case you are unsure about any of our products and services, we’ve put together a list of the most frequently asked questions. If, after reading these, we still haven't satisfied your query, then don’t hesitate to get in touch via our contact page.

Short Term Lending

Q: How much can I borrow?
A: You can borrow between £100 and £2000.

Q: What is Auto Decisioning?
A: Auto Decisioning allows lenders to make a decision on your loan application without the need for human interaction, for more information please contact your lender or see their privacy policy.

Q: How long can I borrow for?
A: You can borrow funds for any period between 2 - 12 months.

Q: When can I contact Viva Loans customer support?
A: You can contact our customer service staff on weekdays between 8am and 10pm. On weekends they will be happy to help between 9am and 10pm. If you are calling on a Bank holiday, please check in advance. Please view our contact page. for more information.

Q: I can't remember my Viva Loans password, please help.
A: Locate the 'forgotten your password' link on our website and click on it. A new password will be supplied by email.

Q: Will you check my credit score?
A: We do not at any time carry out any credit checks on our clients. However, lenders may use external credit reference agencies and credit scoring services to ascertain your eligibility for a loan or finance product. Whether you are eligible for a loan or finance product is at the lender's sole discretion. In accordance with the terms of our Privacy Policy, we may pass your personal information to prospective lenders to enable them to consider/decide whether to make a loan to you. This may involve credit and identity checking, and may involve third parties as appropriate.

Q: How long does the application form take the fill out?
A: On average, it takes users between 2 and 10 minutes to fill out our application form.

Q: What are the eligibility criteria?
A: This may vary based on the loan requested, however generally you must be aged 18 years or older, be a UK resident, have an active bank account into which you can receive direct debits and have a regular source of income.

Q: How will I receive my funds?
A: Typically a payday loan will be transferred electronically into your account via electronic transfer.

Q: How long will Viva Loans keep my credit agreement in the database?
A: As per the Data Protection regulations, your file will remain there for 6 years.

Q: Why is the representative APR so high?
A: APR Annual Percentage Rate and it is the amount of interest that approximately 51% or more customers will receive against their loan. Because RAPR is calculated on an annual basis, it is more often suited to assist customers in comparing the suitability of longer term loans (taken for 12 months or more) and therefore it is less representative of how much you will look to re-pay on a shorter term loan. As a result, we prefer to focus on exactly how much you will re-pay rather than the RAPR.

Further Frequently Asked Questions

Q: What service does Viva Loans provide?
A: Viva Loans provides customers with access to a UK payday and short term lenders panel through one simple application form. Viva Loans is not a lender and doesn’t directly offer loans there is absolutely no charge to use the service and during your application you will be under no obligation to accept a loan.

Q: How long does it take to apply and receive my funds?
A: We will take your details; run them through our panel of lenders and a few moments later we will let you know whether or not you have been accepted for a loan. If you have, we will forward you to the lender’s completion page so that you can sign for your loan electronically.

Q: Will lenders check my credit score?
A: Lenders will check your credit score.

Q: Will my credit score affect my application?
A: Not necessarily. Many of the lenders on our panel specialise in working with individuals who have a poor credit rating, so no matter what your credit score you can still apply for a loan. There may still be lenders willing to accept your application, but there may be fewer of them when you complete the qualification process. However, if you are experiencing financial hardships we strongly advise that you seek professional help and refrain from taking out further credit.

Q: How soon could I receive my funds?
A: If you make your loan application and you are accepted by a lender on a weekday before 3pm, you could receive your money on that very same day. However, if you make your application and you are accepted for a loan after 3pm or on a weekend/bank holiday, you will often receive your funds on the next available working day. The time a loan takes to get paid out can vary from Lender to Lender. You should always confirm this with the lender directly.

Q: How can I payback my Payday Loan?
A: When you sign up, the terms of the loan that you are trying to qualify for are made clear to you within the lender agreement. In most instances a payday loan re-payment will be automatically debited from your account on the agreed re-payment date. This means that all you need to do is ensure that you have the correct funds in your account and your lender will do the rest!

Q: Can I defer my payment?
A: Many lenders will allow you to defer or re-arrange your payment should you be unable to meet the original agreed re-payment date. However, VivaLoans does not advise renewing or rearranging your re-payment date as this could mean that you incur further charges as a result. Please only take out a payday loan if you feel sure that you will be able to re-pay what you owe.

Q: What should I do if I have problems repaying?
A: If you have any issues regarding the re-payment of your loan you must contact your lender in the first instance. They will be able to discuss any options that you have moving forward and offer advice about how you can re-pay what you owe.

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