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.

Home Improvement Loans

Whether you're looking to make basic repairs to your home or have ambitions for wide scale refurbishments, paying for these in one lump sum can be draining on finances.

Home improvement loans are designed to help homeowners to spread the costs of home refurbishment over months or years into affordable repayments, leaving you to focus on making your home look fabulous.

What Can Home Improvement Loans Be Used For?

Home improvement loans can be used for a variety of jobs around the house which are geared towards improving your living space and ultimately increasing the value of the property.

From garage and loft conversions to new carpets or a completely refurbished kitchen, home improvement loans can be used to finance the whole spectrum of house-related projects.

They work in exactly the same way as traditional loans in that you'll receive a cash lump sum paid directly into your personal bank account. The amount borrowed is then repaid in instalments, including interest, until the balance has been settled.

Had problems with credit in the past? Not a problem! We also work with lenders who specialise in helping those with bad credit to attract the funds needed for refurbishment. Each lender uses different assessment criteria when deciding on whether to accept an application, so just because you've been turned down elsewhere doesn't mean that other lenders will come to the same decision.

How Can I Apply For Home Improvement Loans?

No matter what refurbishment you're planning on undertaking, the application process is the same with each lender. It all starts by comparing your loan options with Viva Loans using our online comparison service.

Simply let us know a little bit more about you, your finances and the refurbishment, and we'll help you to find the most competitive home improvement loans for your circumstances. Once approved, you'll need to sign and return your credit agreement online before funds are released.

Remember – it's important that you keep a copy of your credit agreement for all home improvement loans as this will detail the amount borrowed, when repayments are due and the total amount that you'll repay.

Turn your house into a dream home by getting a fantastic rate on your next line of credit at Viva Loans today.