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.


Are you a Londoner looking for short term loans? Find the best payday loans in London at Viva Loans.

If you’re in London and in need of some last-minute cash to cover an unexpected expense, you could qualify for a payday loan, even if you have bad credit or no credit at all.

Viva Loans offers 24 hour instant loans online to residents of the UK and the greater London area. We are not a lender and run no credit check. We offer a free broker service, meaning we work with a variety of different lenders to find you the best short term loans possible.

Our Payday Loans In London Are…

What is a payday loan?

Traditional banks are slow, and typically only offer larger loans with long repayment periods. What’s more, if you have bad credit or no credit, you are likely to be declined anyway.

Payday loans fill this lending gap. They are small (ranging from £100 to £2,000), instant loans that are lent against the borrower’s monthly income, so lenders don’t rely on credit scores to make their decision. They are short-term loans that are repaid within 3 months to 12 months.

How do payday loans in London, UK work?

Our service is completely online, fast, and easy. Apply now, and you could receive your money by the end of the day.

Fill out our application. You can find our application form here. It is a brief form that only takes a few minutes to complete. No paperwork, no long lines. Just prepare basic information such as your contact information, residential history, employment, and income.

We shop lenders for you. We will process your application and hand pick lenders who fit your circumstances. We send your application off to lenders who fit your profile to review. With a network of so many varied lenders, we’re often able to find one that fits your loan needs perfectly.

Receive your decision. You’ll hear back from one of our lenders, often within minutes, if they’ve approved your application. Sometimes a lender may ask you for additional information. If you’ve been approved, you’ll receive a loan agreement that details the terms and conditions of your loan offering, allowing you to calculate exactly how much the loan will cost you.

Get your money instantly. If you accept the terms, your money is deposited in your bank account almost immediately through an electronic transfer. Exact timing will depend on the operating hours of your bank and bank holidays.

As you can see, not only do you never have to leave your home, but the whole process can be completed in under an hour. Payday loans are a highly practical and convenient option for many people looking for short term, quick cash to cover a one-time expense or take care of unforeseen circumstances.

Isn’t it better to apply for a payday loan in London in person instead of online?


Applying in person will not give you special consideration for loans. In fact, if you go to just one or two loan shops in London, you won’t have access to a multitude of different lenders with different offerings as you do online. Applying online gives you a better chance at finding a lender who will give you the loan you need.

Applying online also saves you time and money. At Viva Loans, our doors never close. We are open 24 hours, so you can apply any time, any day. Often, you can receive your loan within an hour, even after loan shops in London have closed. Going to apply in person takes more time, and it costs more money to transport yourself to multiple different loan shops than it does to complete the entire process online.

Can I still apply late at night, on a weekend, or on holidays?

Yes, and we will still be available to assist you. Viva Loans offers around the clock support, 24/7/365. Including bank holidays.

Many of our lenders also work additional hours, so it’s possible to receive a decision and have your funds deposited when regular banks have already closed their doors. In fact, as long as your bank offers the Faster Payments facility, you’ll even be able to receive your loan on bank holidays.

What are the eligibility requirements for a payday loan?

This will depend on each lender, but most of our lenders want you to:

Sometimes lenders may ask you to submit additional information in order to determine your eligibility.

Is it easier to be accepted for a payday loan than a traditional loan?

Yes. It is true that payday loans have higher approval rates than traditional loans. Payday lenders often consider people who have been denied repeatedly by banks, such as those with bad credit or no credit at all.

In order to offset the risk of loaning to a wider range of borrowers, payday lenders typically charge higher interest rates. It’s important to know the terms and conditions of the loan you’re taking out and to borrow responsibly. You should only take out a loan if you need the money, and you should always have a means to repay your loan on time.