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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How long for?
  • 3 months
  • 6 months
  • 12 months
Your Loan Summary
Repayment by:
In your account by*: 07:54am
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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.

£50 - £1,000 PAYDAY LOANS

Borrow anywhere from £100 to £1,000 or £2,000 instantly, even with bad credit

If you’ve got bad credit, a previous bankruptcy, or problems with employment, it can seem impossible to get a loan when you need one.

Payday loans offer borrowing options for people that traditional lenders leave out – those with a less-than-perfect credit history. These loans are not huge, they range from £100 to £1,000 or even £2,000, but they are manageable and offer a quick financial solution.

What is a payday loan?

Payday loans are small, short-term loans that are provided against your earnings. They’re typically paid back either the following month, or within 3-12 months.

You don’t necessarily have to have a good credit score to qualify. Other forms of income, such as benefits and self-employment, can also help those who are currently unemployed qualify for a payday loan.

How much can I borrow in a payday loan?

Payday loans range from £100 to £1,000 or even £2,000 Exact amounts will depend on your needs and application as well as the lender. Viva Loans offers loans in £50 increments, in the following amounts:

£50 £550 £1050 £1550
£100 £600 £1100 £1600
£150 £650 £1150 £1650
£200 £700 £1200 £1700
£250 £750 £1250 £1750
£300 £800 £1300 £1800
£350 £850 £1350 £1850
£400 £900 £1400 £1900
£450 £950 £1450 £1950
£500 £1000 £1500 £2000

How much do I pay in interest and fees for a £100 to £1,000 payday loans, or even £2,000?

This will depend on the loan amount.

For reference, here is an example of the fees and interest you would pay on a £100 payday loan.

When you repay on schedule When you default the loan
Principal (your original loan amount) £100 £100
Loan processing fee (decided by the ender, capped at £24 per £100 borrowed) £24 £24
Interest (representative) £39,92 £63,92
Default Fees (no more than £15) NA £15

Are payday loans instant?

Yes. If you are approved, your loan will be processed almost instantly. The money will be sent to your bank account electronically for faster processing.

What do I need to apply for a payday loan?

Not much!

Traditional lenders require a lot of paperwork and documentation. Payday loans only require that you submit the following in order to apply:

How much should I borrow?

Only borrow what you need.

Just because you can borrow up to £1,000 or even £2,000, doesn’t mean you should. If you only need £100 to cover a quick emergency before your next payday, don’t borrow more than £100. Never borrow more than you can repay during the repayment period. You shouldn’t seek a payday loan just for extra spending money.

What if I want to borrow more than £1,000?

If you need more than £1,000 you can still apply for a payday loan from Viva Loans. You can borrow between £100 and £2,000 with us by completing our short application form here.