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

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  • 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.


Getting an instant payday loan without a credit check is not possible!

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How much can I borrow as a "no credit check" payday loan?

"No credit check" payday loans are just regular payday loans that are granted without any/thorough credit check. We at Viva Loans only work with responsible lenders. Responsible lenders check your credit status. You can get up to £2,000 as a "no credit check" loan, over 3 to 12 months. For a quick estimate of how much you will be required to pay back, you can use the representative slider calculator available on our home page.

Is there anything else I need to know about "no credit check" loans?

The only thing you should know is that the term itself can be misleading at times, especially when lenders use it generously, and out of context.

It has been a very common practice among payday lenders to run what is referred to as a ‘soft credit check’ or ‘soft credit search’ before making a decision regarding a payday loan application, and this is often passed as a ‘no credit check’ policy.

What, then, is a "soft credit check" and how is it different?

"Soft credit check" is a superficial credit assessment of your credit report and it doesn’t leave any "footprint" on your report, shielding you from negative impacts that frequent loan applications might have. It is also called a "quotation search".

At Viva Loans, we try our best to help you connect with responsible lenders who are forthright in their credit check policies. So, by reading the application page thoroughly, you can easily know whether a particular lender will be running a thorough credit check, soft credit check, or no credit check at all.

You can find more information about soft checks here.

Will a ‘no credit check’ payday loan affect my credit score?

Yes, it will.

Every payday loan – regardless of whether it was approved with/without a credit check – will impact your credit score. This impact will be positive if you pay the loan back on schedule, while the impact will be adverse if you regularly default on the loan.

Can I get a "no credit check" payday loan even if I am presently unemployed?

Yes, you can apply for a "no credit check" loan even if you are unemployed, provided that you have some other regular source of income (rent from property, benefits, pension, aid or grants etc.). However, your application is more likely to be accepted for a payday loan if you are full/part time employed.