Viva Loans

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

Fast Transfer
On average funds are transferred within 15 minutes*
Representative 305.9% APR
Instant Decision
Our form takes 2 minutes to complete, decision provided instantly!*
Representative 305.9% APR
A secure service
We will never share your personal details without consent
Representative 305.9% 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
  • 4 months
  • 6 months
Your Loan Summary
Repayment by:
In your account by*: 02:23pm
Total to repay:

Rates from 278% APR to max 1576% APR. Minimum Loan Length is 3 months. Max Loan Length is 6 months. Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £559.68 in 3 monthly instalments of £186.56. Interest charged is £159.68, interest rate 161.9% (variable). interest rate 161.9% (APR variable). We are a credit broker not a Lender.


If you wish to proceed with a short term loan then VivaLoans is here to help you over those temporary financial problems everyone has from time to time. See how to apply below:

Just follow these three simple steps:

1. Begin by getting a quick loan estimate using the panel to your right. Decide on the amount that you need to borrow by clicking the appropriate figure or entering the amount you wish to borrow in the box marked 'Other amount.' Next, select the term period for your loan (the maximum borrowing period is 6 months and the minimum is 3 months.) The amount you can borrow will depend on your circumstances, up to a maximum of £2000.

2. You'll be taken to our loan application form online - this asks personal questions about you and your financial circumstance, it should only take a few minutes to complete. Once your details have been received, we will return a decision within one minute, informing you as to whether your application has been approved by one of our panel of lenders.

3. If your loan is approved* then you'll receive further instructions on how to claim your loan. Funds are generally received in under 24 hours, although this can vary.

Borrowing responsibly:

Is a loan right for you?

You need a little extra cash to tide you over until short term.
You have an unplanned purchase or emergency bill and need some money in a hurry which you can easily pay off at short term.
You have permanent money problems.
Do you need a loan right now?