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 Unemployed

Instant payday loans for unemployed people in the UK

It’s not uncommon to need a little extra cash once in a while, especially if you are unemployed. Unfortunately, cash loans are hard to come by when unemployed, because traditional banks won’t lend money to you. So how do you get fast loans?

Thankfully, unemployed people can access quick loans through some payday loan lenders. These cash loans can be a great help to people who would otherwise not be able to access credit.

Can I get an instant payday loan if I’m unemployed?

Yes. You do still need to have a regular source of income. However, unlike traditional banks, payday lenders may consider other forms of income, such as benefits, as enough to back your payday loan.

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What do I need to qualify for a payday loan if I’m unemployed?

In order to receive a payday loan on benefits, you must:

What counts as a regular source of income for payday lenders?

Aside from formal employment, the following can also be considered as a source of income:

Whatever your source of income, it must be regular and substantial enough to take a loan against.

How do I find payday loans for unemployed?

At Viva Loans, we make the process of finding a lender easy.

If you are unemployed, all you need to do is fill out and submit the payday loan application here. We will review your application immediately and compile a list of lenders who offer payday loans to unemployed people and help you find a match.

How do payday loans for unemployed people work?

Payday loans are fast. After you fill out the application, we will choose responsible lenders who fit your profile best and send it off to them.

If you are approved, you will hear from your lender in under one hour. They will provide you with the terms of your payday loan and, if you agree to them, your loan will be processed instantly. The money is then deposited into your bank account in a matter of minutes.

Banks won’t loan to me if I’m unemployed, why do some payday lenders?

A lot of people are unable to access traditional credit and, often, they are the people who need it most. Specialist lenders and alternative loan options, such as payday loans, exist to fill this gap.

Payday lenders are mainly concerned with the inflow of cash into your bank account. It’s not so important that your income come from a full-time employer if you have other forms of income that can serve as a means for paying back the loan.

That being said, it is riskier to loan to unemployed people. Payday loans are easier to get and have a higher approval rate, because they consider people who are too risky for banks. To mitigate this risk, payday loans often have higher interest rates.

How do payday lenders verify my income?

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

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


Payday lenders look to your sources of income rather than your credit history. People with bad credit can still qualify for a payday loan as long as they have a regular source of income.

What can I use my payday loan for?

You can use your payday loan for any purpose you’d like, but it’s important to remember that they are short-term solutions rather than long-term forms of income.

You shouldn’t use your payday loan to replace your regular income after losing a job. You shouldn’t use a payday loan for luxuries or entertainment goods. You should only take out a payday loan for one-time, unexpected emergencies and necessities, and you should make sure that you’ll be able to repay the loan on time.