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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  • 6 months
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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 free licensed credit broker not a Lender.

Payday Loans, No Credit History

Historically, when shopping for payday loans no credit history can sometimes stand in the way of you picking up the rates that you deserve. In some cases, you could even have been outright declined for credit which seems unfair given that you'd simply not needed to borrow in the past.

Fortunately, things are very different today thanks to Viva Loans. We work with lenders who specialise in providing no credit history loans to those who are looking to take on credit for the first time.

Before anything, let's take a look at how payday loans no credit history work and the steps you can take to improve your chances of acceptance.

How Do Payday Loans No Credit History Work?

Whenever a lender assesses an application, they're trying to make an accurate calculation of the risk being paid back in full and on time. Credit scoring is a great indicator as to how borrowers have repaid finance in the past, but payday loans no credit history are harder to assess without this information.

No credit history loans are mainly offered on trust based on the evidence provided that shows you can reasonably afford to repay the loan amount.

Instead, they'll need to take a closer look at your personal circumstances. Applying for payday loans no credit history means that you'll need to submit accurate personal and financial information that can help the lender make an assessment which can include your:

You may find that these no credit history loans come with a slightly higher rate of interest to counterbalance the lack of a credit score, but by repaying payday loans no credit history on time, you'll soon see you score increase and the rates available to you improve.

As a leading UK broker, Viva Loans works with direct payday loans no credit history lenders who use all of the information at hand to paint an overall picture of your ability to repay the loan.

How Do I Apply For No Credit History Loans?

Applying for payday loans no credit history has never been easier thanks to Viva Loans intuitive loan matching platform. Simply complete our initial online application form and we'll match you with payday loans, no credit history required so that you can find a lender that best meets you requirements.

The application form takes less than two minutes to complete and, once you've been accepted by a payday loans no credit history lender, you'll receive a detailed credit agreement outlining the exact amount that will be repaid and a full breakdown of your repayment dates.

Once this has been electronically signed and returned, no credit history loans are often paid out directly into your bank account within 24 hours. Many payday loans no credit history can even be issued on the very same day that you apply.

Take the hassle out of finding a great deal on your next no credit history loans by using Viva Loans today and apply to multiple lenders in minutes.