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
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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.

3 Months Loans

Taking on a 3 month loans can be the ideal solution for those with a temporary need for funds. No matter what the purpose, a 3 month loan offers the same short term benefits of a payday loan but with the repayments spread out over a more convenient period.

Each 3 month loan that we compare at Viva Loans is tailored to your individual requirements. It takes just a few minutes to complete our initial 3 month loan application form and you could even have the funds in your bank account on the very same day that you apply.

Let's take a look at how each 3 month loan works, and what you can do to improve your chances of being accepted for loans 3 months in length.

How Do 3 Month Loans Work?

3 month loans do exactly what they say on the tin. These short term forms of credit are designed to help borrowers through a temporary shortfall in finances with the lump sum repaid in equal instalments over a 3 month loan period.

They can be used for almost any personal purpose so no matter whether you've received an unexpected bill, need to make home repairs or simply wish to have a bit of extra cash to tide you over, you're welcome to apply.

Can I Apply For 3 Month Loans With Bad Credit?

Yes, you can apply with bad credit. Just because other 3 month loan lenders have refused you for credit doesn't mean that the 3 month loans on offer at Viva Loans will do the same. Each application is assessed on its individual merits and, to qualify for loans 3 months in length, you'll simply need to show that you can afford the repayments without putting yourself into financial hardship.

Aside from your credit history, there are number of fundamental factors that you'll need to have in order to apply for any 3 month loans, including:

Some 3 month loan lenders may also insist on other factors such a particular residential status, employment status or minimum take home income. However, these 3 month loans will be explained in full prior to you beginning your application.

How Do I Apply For 3 Month Loans?

No matter why you need a 3 month loan, the application process has never been simpler. It all starts by comparing 3 month loans from across the UK so that you can find the deal that's most suited to your circumstances.

Once you've checked out the range of 3 month loans on offer, complete your application by supplying the lender with the additional information required for a full assessment. They'll use these extra details to underwrite your 3 month loans application, ensuring that any offer of credit is affordable.

After receiving your credit agreement which details the total amount repaid and and the loans 3 months repayment dates, simply sign and return this form electronically and you should receive the funds directly into your bank account within 24 hours.

Discover a range of competitive 3 month loans today with Viva Loans and give yourself a financial safety net to help you through life's little emergencies.