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
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Our form takes 2 minutes to complete, decision provided instantly!*
Representative 1192% APR
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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.

Christmas Loans

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With the holidays coming up, many families find themselves in a tight spot financially. That doesn’t mean you shouldn’t be able to enjoy Christmas and go the extra mile on that special day. Whether it’s for a big family feast or a few more presents for the kids, thousands of families use Christmas payday loans to stretch their budget at the end of the year and make the holidays unforgettable.

Often, we leave everything to the last minute during the holidays, causing nothing but stress when we should be enjoying ourselves. Christmas loans are fast, providing you immediate cash when you need it most, down to the last minute. When Christmas is only a few days away, and you find yourself without enough money to buy that gift from Santa or that Christmas ham, Christmas loans from Viva Loans offer an instant solution.

Christmas payday loans are simple, short term loans that are both instant and completely online. They are a practical option for anyone looking for a small amount of fast cash to cover a one-time expense, such as Christmas shopping.

What are Christmas Payday Loans?

Payday loans are small, short term loans that offer fast cash to people who might otherwise have trouble acquiring loans from other lenders.

Christmas Payday Loans are…

Get the Cash You Need Now With Our Fast, Convenient Christmas Loans

While traditional banks tend to only offer loans in larger amounts, our payday loans range from £100 to £2000. Many banks only offer loans over £1000, and you never want to borrow more money than you need. Small loans are perfect for short term needs like Christmas shopping.

Other lenders may only offer long term repayment periods, such as 3 years, 5 years, or more. Our payday loans can be repaid in monthly instalments within 3 months to 12 months. Remember, the faster you repay your loan, the less you pay in interest. Short repayment periods are ideal for small, one-time expenses such as Christmas.

Going to the bank to apply for a loan takes time, and time is money. When you need cash now, don’t wait days or even weeks to receive approval for a loan. Receive approval within minutes of applying online with Viva Loans, and your money is deposited into your account as soon as possible, often on the same day. The holidays don’t wait, and neither should you!

Bad credit? No credit? Apply for Christmas Payday Loans

When you apply for Christmas loans through Viva Loans, we simply process your information and send it off to our network of lenders. We do not run a credit check.

Our lenders may or may not choose to look into your credit, but it is not the only deciding factor with Christmas Payday Loans. Our loans can be given out against your monthly income, so as long as you’re receiving a paycheck, you could be approved for a Christmas loan – even if you have bad credit, or no credit at all.

Many people who have been continually denied for traditional loans find themselves approved for Christmas loans and payday loans. Our lenders are able to mitigate the risk of lending to high-risk borrowers by charging higher interest rates. However, given that payday loans are small, short terms loans that are paid off quickly, a higher interest rate does not always mean a more expensive loan.

Alternatives to Christmas Payday Loans – Consider Your Options

When you need cash fast to cover a small, short term expense such as Christmas shopping, there are few solutions. Payday loans are one of the top answers, but there are almost always other options.

You should always consider all of your financial options before taking out a loan, many people choose to charge additional holiday purchases to their credit cards before Christmas. While this is fast and convenient, it is not always the cheapest option. Credit cards can have extremely high interest rates, especially if they are store branded credit cards or credit cards designed for people with subpar credit.

Before charging your credit card for holiday purchases, look into the terms and conditions of the card. Consider the APR as well as how long you think it will take you to pay off those purchases, and calculate the amount of interest you will end up paying. You may find that it’s more than what you’d pay for a Christmas Payday Loan.

If you’re unable to get approved for a credit card with favorable terms, you may still have a chance at approval for Christmas loans. Our lenders will consider your monthly income as proof of your ability to repay a loan, and this may gain you approval even if your credit is not great.

Christmas Budgeting Tips – Save Money Now, Borrow Later

As always, the best financial option is to plan ahead and save money. Start thinking about your Christmas expenses as early as spring, and start saving for Christmas purchases as early as May or June. Putting just a small amount of money away each month can add up quickly by the time December rolls around.

Even still, we know that planning ahead is not always possible, and that unexpected expenses are bound to arise. If the end up the year comes up and you find yourself still unable to cover your holiday purchases, remember that Christmas Payday Loans are always an option.