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.


Payday Loans for Holidays

When the holidays are on their way and you’re short on cash, you may find yourself with very few options. Between family dinners, presents, and holiday events, holiday expenses add up quickly, as does holiday stress. Don’t let being a little short on cash ruin that special time of year for you and your family.

Whether it’s a nice dress, a brand new toy, or a holiday feast, payday loans for holidays are the best way to give your budget a little extra spending room during the holidays. It can be hard to plan with so much going on, but leaving everything to the last minute won’t put you in a tight spot with Payday Loans for Holidays. These loans are quick and easy – approval is immediate, and the funds are deposited into your bank account almost instantly.

Payday Loans for Holidays are fast, easy short term loans offered in small amounts entirely online. These payday loans are practical solutions for your holiday budget because they’re designed to offer you quick funds for short term, one-time expenses such as holiday shopping.

What are 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.

Payday Loans for Holidays are…

Need Money Now? No Problem! Apply for Payday Loans for Holidays

Many traditional banks offer only large loans, while our payday loans range from £100 to £2000. Some banks only offer loans over £1000 or even £5000, and holiday shopping rarely calls for amounts so big. You never want to borrow more money than you need. Small loans are perfect for short term needs like the holidays.

Other lenders give our loans with long repayment periods, such as 3 years, 5 years, or more. These are usually called personal loans. The longer you take to repay your loan, the more you’re going to pay in interest fees. Our payday loans can be repaid in monthly instalments ranging from 3 months to 12 months. Short repayment periods are ideal for small, one-time expenses such as holiday shopping.

Applying for loans in person is a huge hassle and can waste precious time during the holidays that should be spent with your family. Don’t wait days or even weeks to receive approval for a loan. Our Payday Loans for Holidays offer immediate approval, and funds are transferred to your bank almost instantly. Often, you can receive your money within hours of applying.

Bad credit? No credit? Apply for Payday Loans for Holidays

When you apply for Payday Loans for Holidays through us, we ask only for basic information and never run a credit check. Your information is then sent to lenders within our network who meet your needs.

Our lenders may or may not choose to look into your credit, but it is not the only deciding factor with Payday Loans for Holidays. Payday loans can be lent out against your income, so as long as you’re receiving a regular paycheck, you could be approved for a payday 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 our payday loans. Payday 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 Payday Loans for Holidays – Consider Your Options

When you need cash fast to cover a small, short term expense such as holiday shopping, there are few solutions. Payday loans are often the best option, but there are almost always other options.

You should always consider all of your financial options before taking out a loan.

If borrowing money from family and friends is not an option for you, you may decide to charge additional holiday purchases to your credit cards, or even apply for a new credit card at a store you frequent. 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.

Make sure you look into the terms and conditions of your credit 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 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 our payday 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.

Holiday Budgeting Tips – Save Money Now, Borrow Later

As always, the best financial option is to plan a head and save money. Start thinking about your upcoming holiday and saving up months in advance. Putting just a small amount of money away each month can add up quickly by the time the holidays roll around.

Unfortunately, planning ahead is not always possible. Unexpected expenses come up for everyone, and sometimes savings just doesn’t cut it. When you need extra cash fast, remember that Payday Loans for Holidays are always an option.