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
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Your Loan Summary
Repayment by:
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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.


Online Loans Available Now

Just because you’re retired doesn’t mean you don’t need a little extra money now and then. However, being a pensioner makes it more difficult to access credit and get approved for loans from traditional lenders.

We offer instant, online payday loans for pensioners, and you could receive approval in as little as 5 minutes. You don’t need to have perfect credit, and you don’t need to have a large income. Our lenders will consider your pension benefits as regular income.

Fast, Simple Loans For Pensioners And The Elderly

Applying for payday loans for pensioners and the elderly has never been easier. Simply follow these three steps, and you’ll have your money in no time.

Fill out a brief online application.

You can complete our application process, fully online, in under 5 minutes. You don’t have to fill out any extensive paperwork or pull out piles of documentation. The best part? You get a decision right away.

Get an immediate decision from one of our lenders.

You could receive a decision within minutes of submitting your application. If you’ve been approved, your lender will send over a loan agreement that details everything from the interest rate to the repayment period. Read it over carefully to decide whether or not the loan they’re offering meets your needs.

Your funds are deposited into your bank account instantly.

If you agree to the terms and conditions of your loan, the funds will be sent to your bank account as soon as possible. The exact timing will depend on your bank, but it is possible to apply, receive a decision, and get your money all within a matter of hours.

Apply Now To Get The Best UK Loans For Pensioners

Our Payday Loans are…

What are payday loans for pensioners?

Payday loans are small, short term online loans that are often made instantly available to the borrower. These loans are typically easier to obtain than traditional loans, particularly for people who have bad credit, no credit, or an alternative means of regular income, such as pension benefits.

Can I get payday loans if I’m on benefits?

Yes. While traditional lenders may not consider your benefits as regular income, our lenders will. This means that they can offer you a loan against your benefits.

What is considered regular income?

Our lenders consider a wide variety of regular income, including:

How do I find payday loans for pensioners?

Right here at Viva Loans. As a third party broker, we do not give out loans, but rather partner with a huge network of lenders to which we give you access. This allows us to search for the best available loans on your behalf, free of charge. We use your application information to pair you with a lender who meets your needs.

What are the requirements to apply for loans for pensioners?

Eligibility requirements will vary by lender, but all will require that you are:

Additionally, many will require that you:

What benefits do I have to have to get approved for payday loans for pensioners?

Any government benefits, such as disability benefits or retirement pension, can be considered a regular source of income against which you can take out a payday loan.

How do lenders confirm my benefits?

In order to verify your benefits, our lenders will ask for one of the following:

Is there an age limit for payday loans?

Not at all. You only need to be over 18 years old, most of our lenders have no maximum age limit.

Can anyone with pension benefits get a payday loan?

Yes. While our lenders will work with people who are often denied by traditional banks, they do not approve everyone. If you are not approved for a payday loan, it’s because our lenders do not think you are in a position to repay your loan on time.

What can I use my payday loan for?

Once you’ve received your funds, the money is yours, and you can spend them however you’d like. There are no rules or restrictions regarding your spending.

However, you should always be responsible when borrowing money and taking out loans. Payday loans are meant to cover one-time, short term expenses that are necessary. They shouldn’t be used for unnecessary purchases, such as shopping and entertainment. Payday loans also shouldn’t be used to supplement income or provide a long term financial solution. If you are taking out multiple loans in a short period of time, you should reconsider applying for another.