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

Get a quick estimate for your loan
How much cash?

How long for?
  • 3 months
  • 6 months
  • 12 months
Your Loan Summary
Repayment by:
In your account by*: 03:06pm
Total to repay:

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.

Quick & Fast Payday Loans

Are all payday loans instant?

Depending on the lender and their lending technology, all approved payday loans are processed within 1 hour. Being quick and fast is perhaps the most appealing feature of all payday loans.

When will I get to know if my payday loan application is approved or rejected?

Within a few minutes!

Once you submit a properly filled-in payday loan application here at Viva Loans, we carefully forward to it to direct and responsible payday lenders. These payday lenders then review and assess your application and decide whether to accept or reject your application. This decision is made known to you typically within half an hour from successful submission.

Who will contact me regarding the status of my payday loan application?

You will be contacted directly by the lender regarding the status of your payday loan application.

Please note that we, at Viva Loans, are payday loan brokers, and we do not lend money. Our aim here is to connect you with responsible lenders who might be interested in lending money to you.

When will I actually get to use the money?

In almost all cases, you can expect to see the money in your bank account within an hour of your application being approved.

Here’s how it works:

What if I urgently need cash on a bank holiday or over a weekend?

Viva Loans works round the clock, 7 days a week to find the most suitable lenders for you. So, it should not matter when you submit an application – it will be reviewed within a few minutes, guaranteed!

However, you might want to make sure that you provide all the relevant details of your bank account (including the sort code) so that the lender can transfer the funds immediately.

How come payday loans are paid quickly, while bank loans are not?

Traditional bank loans require a whole lot of paperwork. They are all, invariably, secured loans, meaning that you are expected to ‘pledge’ an asset against the loan.

In contrast, payday loans are unsecured and require minimal paperwork, as the loan amount is small (up to £2,000) and loan term short (3 to 12 months). Payday lenders usually review the following before arriving at a decision:

In some cases, lenders can also run credit checks to ensure that the applicant has a sound credit history. This, however, rarely plays an important part in an application being approved or rejected.

All this procedure is largely automated and hence doesn’t take too long to complete.