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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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 For Self-Employed

The best instant payday loans

Just because you’re self-employed, it doesn’t mean you can’t pay back a loan. However, it can be hard to find a traditional lender who will give credit to someone who is self-employed.

Luckily, there are plenty of payday lenders who are willing to give instant payday loans to self-employed people. Find out how they work and if you’re eligible to receive one.

What are payday loans for self-employed people?

These are small (up to £2,000), short-term (3-12 months) loans that are granted against your regular income, even if your source of income is self-employment.

Where do I find payday loans for self-employed people?

At Viva Loans, we make it easy for you to find a lender.

If you are self-employed, simply submit the payday loan application here, and we will compile a list of the best payday loans – no credit check – from lenders who are willing to loan to you against your self-employment income.

Can anyone who is self-employed get a payday loan?


To qualify for a payday loan for self-employed, you must:

How do payday lenders verify my income?

You can provide any of the following documents as proof that you have a verifiable source of income:

If your source of self-employment is not a VAT registered employer, that is okay. Simply submit recent bank account statements and bank deposit statements relevant to your source of income.

How do payday loans for self-employed people work?

Payday loans are nearly instant, and everything happens online. You apply online, and we hand pick the best responsible lenders that are a good match for the self-employed.

If you are approved, you will hear back very quickly (usually within 30 minutes) from a lender who will give you a loan. If you agree to the terms, your loan is processed instantly. The money is deposited into your bank account within minutes.

Why do payday lenders loan to people who are self-employed and banks don’t?

Banks often consider those who are self-employed to be a greater risk, as their income stream is seen as less stable. Statistically speaking, the self-employed have a higher rate of default.

However, it is not always the case that just because you are self-employed you don’t have a regular source of income. Plenty of self-employed people have stable income that can be used to back a loan. For that reason, payday lenders are often willing to grant a loan to the self-employed, given that they can provide proof of a regular stream of income.

Because there is a slightly greater risk, payday loans are usually accompanied by a higher interest rate.

Can other sources of income be considered for payday loans?


Government benefits can be considered a source of income as well. Additionally, if you receive money regularly from an investment, such as rental properties, this can also be seen as a form of income against which you can take out a loan.

Can I apply for a payday loan benefits if I have bad credit?


Payday lenders will use your income to back your loan, so as long as you have a source of income that is regular and substantial enough (usually at least £500 per month), your credit score is not important. They will still run a credit check (often a ‘soft credit check’ that does not affect your credit score), but a bad credit score will not necessarily stop you from being approved.

Should I take out a payday loan if I’m unsure when my next paycheck will be?


You shouldn’t take out a payday loan if you aren’t certain that you can pay it back quickly. If you are self-employed, you should be reasonably sure that you have clients or sources of income who will continue to pay you for the foreseeable future. If you’re self-employed but currently not working or receiving income from any sources, it’s not a good idea to take out a payday loan.

Should I take out a payday loan to supplement my income?


You should never take out a payday loan to supplement your income, or to pay for non-essential purchases. Payday loans should be used for short-term, unexpected necessities such as medical emergencies or car repairs.