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.

Short Term Loans

What is a ‘short term loan’?

A ‘short term loan’ is usually a personal loan that is to be paid back over a term much shorter than what a traditional bank loan requires. Short term loans that we, at Viva Loans, help you get are typically to be paid back on 3 to 12 months.

What are the benefits of a short term payday loan?

Here are some major benefits of a short term payday loan:

Are short term loans and payday loans the same?

For all practical purposes, short term loans are much the same as payday loans. Here are the similarities between the two:

Who is eligible to get a short term loan?

The best part about short term loans is that it’s very easy to be eligible to receive one. The eligibility criteria is very broad and much more lenient when compared with traditional bank loans. To be eligible to get a short term payday loan, you need to be a legal UK resident (18 years of age or older).

Can people with bad credit get short term loans?


Most payday lenders who offer short term loans approve loan applications even from those who have bad credit history. These loans, since they are approved almost instantly, involve minimal credit checks (soft credit checks), or, at times, no credit checks whatsoever.

Will my credit score be affected if I take a short term loan?


Even though short term loans involve superficial or no credit checks, every short term loan you take (or apply for) will impact your credit score. If you settle the loan on schedule, it will have a positive impact on your credit score, as you exhibit a responsible borrowing behaviour. On the other hand, if you regularly roll over or default on such loans, your credit score may be affected negatively.

How much can I expect to borrow as a short term loan?

Short term payday loans we help you get at Viva Loans are inherently small sized loans. You can expect to borrow anywhere between £100 and £2,000 as a short term loan, to be repaid over 3 to 12 months.

Are there any hidden fees associated with a short term loan?


All the fees that are associated with a loan we help you get are clearly made known to you before you agree to borrowing. We, at Viva Loans, work hard to ensure that we connect you with responsible lenders who have a proven track record of fair lending practices.

Is it possible to get a short term payday loan without being employed?

Yes, it is.

Any source of regular income is usually enough to help you get a short term payday loan. This includes wages, salary, pension, benefits, aid, grants etc. That said, it should also be noted that you will have the best chance of having your short term loan application approved if you are full or part time employed.

When is a short term payday loan not a suitable option for me?

A short term payday loan may not be a suitable option for you if:

It must be noted that short term loans are usually more expensive than bank loans or cash credits.