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

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On average funds are transferred within 15 minutes*
Representative 669.35% APR
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Our form takes 2 minutes to complete, decision provided instantly!*
Representative 669.35% APR
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Representative 669.35% APR

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

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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 2 months. Maximum Loan Length is 12 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). Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

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Payday Loans Bad Credit

Bad credit payday loans are currently growing in popularity, and with good reason. While most other types of loan lenders will systematically refuse to lend money to individuals with a bad credit score, bad credit payday lenders are equipped with experts in bad credit and are willing to take on individuals who have usually been unsuccessful in procuring a loan elsewhere.

While the words “bad credit” get thrown around a lot, many of us are unsure about what this term actually means, and how a “bad credit score” is calculated.

This article will explain what bad credit is, what it means for you in practical terms, as well as how payday loans for people with bad credit operate.

What is bad credit?

Before you can improve/fix your bad credit score or decide on a bad credit payday loan, it is necessary to understand what bad credit actually is. Payday loans for bad credit take into consideration the different financial situations that individuals with bad credit may be in.

Often also referred to as “blemished credit”, bad credit can mean a couple of different things.

Usually people with bad credit are in difficult financial situations, but this is not always the case. You can get bad credit from not paying various monthly bills, such as mortgage payments and credit card bills, and it could also mean that you may have had unhealthy borrowing habits that have been reflected on your credit record.

Even though credit scoring systems vary in different institutions and credit reporting bureaux (which may use different algorithms to calculate the final score), credit scores usually range from 300 (the lowest and worst) to 850 (the highest and best). Every time you do not pay your pills on time, you get more negative marks on your credit report and these lower your credit score.

What your credit score says to bad credit payday lenders is that you may have had difficulties meeting your financial obligations in the past, and that by lending money to you, they would be taking on a certain risk (the risk would vary depending on your credit score).

When it comes to payday loans in the U.K. Bad credit is often considered, but is not a deciding factor on whether you are able to obtain the loan or not. This is because payday loans offer relatively small amounts of money (up to £2000) that even an individual with bad credit is likely to be able to repay.

How to find out your credit score?

If you believe yourself to have a low credit score and are considering payday loans for bad credit in the U.K., it may be a good idea to be certain about your credit score before jumping to conclusions.

You can get a free credit report from any reputable credit monitoring service such as Experian (the most trusted such service in the U.K.).

If your credit score is exceptionally low, even the best payday loans for bad credit may be weary of loaning you money; nevertheless, it is always worth a try to fill out an application and take it from there!

What are the implications of a bad credit score?

There are several practical implications of a bad credit score that are worth knowing. Many individuals are encouraged to take on a payday loan for bad credit in order to avoid these and other implications. Here are a few of the most important things that a bad credit can affect:

Because the above points could have a significant impact on your life, pay day loans for bad credit could be great short term solutions to many of the above difficulties. Apart from payday loans, bad credit can be dealt with in a number of different ways, below are some suggestions.

How can you fix a bad credit score?

With a payday loan, bad credit can be temporarily kept at bay. However, a payday loan for bad credit is not the only available solution to your immediate bad credit dilemmas. After getting an up-to-date credit report, here are a couple of long term options that you may want to consider:

Together with the above points, pay day loans for bad credit are a great way to speedily fix your bad credit score in order to avoid the various disadvantages that a bad credit score can bring. Getting payday loans with bad credit can be incredibly easy if your payday loan lender specialises in dealing with bad credit cases. If you believe a bad credit payday loan is a suitable option for your specific needs, apply now to get a quick evaluation and decision; don't forget to read all the terms and conditions of your bad credit payday loan before signing up to it!