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 credit broker not a Lender.

Personal Loans

What is a ‘personal loan’?

A ‘personal loan’ is a loan or cash credit made available by private lenders or banks to personal applicants. In almost every case, a personal loan is an unsecured loan, meaning that you are not required to pledge any asset(s) as a guarantee for the loan.

Is it difficult to get a personal loan?

Certainly not!

If you apply for an instant personal loan with cheapest rates here at Viva Loans, you can expect to receive the funds directly in your bank account within minutes. When compared with a traditional bank loan or an overdraft against your checking account, this takes much less time and involves even lesser paperwork.

Are all payday loans ‘personal loans’?


While every payday loan is in itself a personal loan, not all personal loans are payday loans. For example, personal loans from credit unions or banks are usually termed over months, and hence do not really qualify as payday loans.

What is the best way to get a quick personal loan?

The best and arguably easiest way to get a quick and easy personal loan is to apply for a payday loan from a responsible lender. We, at Viva Loans, have made it even easier for you by helping you find suitable and responsible lenders – all in one place.

When should I think about getting a personal loan?

If you wish to apply for a payday loan as a personal loan, you might want to know that payday loans are more expensive than bank loans or even credit cards. So, make sure that you apply for a payday loan only when you have an urgent need for a small sum of money that you can pay back on or before your next payday.

Typical scenarios that compel people to get a payday loan are:

Can I get a personal loan despite having bad credit?

Yes, you can.

Many payday lenders are willing to offer personal loans even to applicants who have bad credit history and poor credit score. To get a personal loan, however, you will have to fulfil certain requirements (read below):

I am presently between jobs. Can I still get a personal loan?

Most lenders prefer lending to applicants who have a steady, regular income in the form of either employment or pension, benefits etc. However, if you are between jobs at the moment, you might get a personal loan from one of our lenders.

I am a retiree. Can I get a personal loan?

If you are a retiree with regular pension or if you are on benefits, you can get a personal loan from payday lenders with ease.

Is there any cap on how much I can borrow as a personal loan?

At Viva Loans, we help you get instant personal loans of up to £2,000 from responsible payday lenders. Typically, you will be required to pay such a personal loan back in 3 to 12 months.

Can I consolidate my debts as a single personal loan?

Yes, you can.

However, if you have a payday loan as a part of your debt, you may not be able to add it to the consolidated debt. It’s a good idea to settle any payday loan you have separately from your other debts, simply because payday loans incur higher interest rates.