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.

Payday Loans Direct Lenders

Payday loans have been in the news for a number of years now, for both good and, admittedly, not so good reasons. Having one of the fastest growing financial products in the UK market at its disposal, payday loans industry has quickly become a multi-million pound financial sector that has the capability to cater to a wide section of the UK population. This is precisely why it becomes important to know who payday lenders are and how they operate – especially if you are looking to apply for and get a payday loan.

Who are payday lenders?

Payday lenders are private financial operators who are allowed to operate within the ‘small-size cash and credit’ sphere of the lending market. Typically, payday lenders lend up to £2,000 for 3 to 12 months.

Are all payday lenders ‘direct lenders’?


As per the latest ruling by the Competition Commission, every operator in the business of cash or credit lending has to be registered as a ‘direct lender’. This includes all payday lenders, as well.

Is ‘Viva Loans’ a direct lender?


Viva Loans is a credit broker (payday loan broker) and not a direct lender. We contact other direct payday lenders on your behalf so that you can get the best possible payday loan deal.

Our partners wide-ranging direct lender base means that we help you find the lender who can precisely match your cash needs, who can offer the cheapest interest rates and who is the most likely to approve your payday loan application.

Is it safe to get a payday loan?

It is absolutely safe to get a payday loan so long as you are fully sure that you will be able to repay on schedule. This is important as payday loans carry steep interest rates that can mount up quickly if you keep defaulting on your loan.

Interested applicants must also note that unethical means of loan extraction are deemed illegal in the UK, under a variety of laws, acts and statutes. All payday lenders we help you connect with at Viva Loans are responsible lenders.

What makes a lender ‘responsible’?

A responsible lender is, in a broader sense of the idea, the one who operates within the confines of all the laws that apply for lending practices.

A responsible lender is expected to explain to the potential borrower all the fees, charges and costs associated with a loan well in advance before finalising the loan agreement, all the while treating a borrower fairly and ethically at all times.

A responsible lender is also expected to lend cash or credit strictly in accordance with the applicant’s repayment potential.

Are payday lenders regulated?

Yes, they are.

All payday lenders who we help you connect with at Viva Loans are direct lenders registered with the Financial Conduct Authority, the chief regulator for all credit institutions.

Apart from the FCA, payday lenders and payday lending practices are strictly watched over by a number of governmental and semi-judiciary institutions, most notably the Office of Fair Trading, and the Competition Commission.

How to verify the authenticity of a payday lender?

Wherever and whenever possible, we ensure that payday lenders we help you connect with are all authentic and well-regulated financial institutions. However, you can also verify the authenticity of such lenders with a few simple checks:

Are payday lenders associated with banks in any way?

No, they usually are not.

Banks, as a matter of simple understanding, do not operate within small credit and cash market, perhaps with the exception of secured loans. Thus, payday lenders are independent and private lenders.

Which are some of the leading payday lenders in the UK?

With millions of people trying to get a payday loan each year, it’s not really a surprise that over 200 registered payday lenders are active in the UK short term loan market. While some of these are strictly High Street shops, others have a widespread online presence, as well. A few leading names from this bunch are:

Don't hesitate. If you are looking for a payday loan from any of these direct lenders or more, just fill in our short application form here and get the advantages of getting your best options through Viva Loans.