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

Get a quick estimate for your loan
How much cash?

How long for?
  • 3 months
  • 6 months
  • 12 months
Your Loan Summary
Repayment by:
In your account by*: 07:51am
Total to repay:

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 Manchester, UK resident looking for short term loans?

If you’re in Manchester, UK, and you find yourself in need of last-minute cash due to unforeseen circumstances, it is fairly easy to get a payday loan, even if you have bad credit.

Viva Loans offers 24 hour instant loans online to residents of the UK and the greater Manchester area. We are not a lender – no credit check – but rather work with a variety of different lenders to find you the best short term loans possible.

What is a payday loan?

Traditional banks usually don’t offer instant loans in small amounts, and if you have bad credit, you are often declined anyway.

Payday loans solve these problems. 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’re short-term loans that are often paid back by the next month.

How do payday loans in Manchester, UK work?

Our service is very fast.

  1. Fill out our application, which can be found here.
  2. We will hand pick lenders who fit your circumstances and send them your application.
  3. You’ll hear back, often within 30 minutes, from a lender if they’ve approved your application.
  4. If you accept the terms, your money is deposited in your bank account almost immediately.

As you can see, not only do you never have to leave your home, but the whole process can take under an hour.

Is it better to apply for a payday loan in person instead of online?


You won’t be considered any differently for applying in person instead of online, and in fact, if you go to a shop in Manchester, you might not have access to as many different lenders as you would if you apply online.

It also saves a lot of time and money to apply online. Given that we are open 24 hours, and you can often receive your loan within an hour, it can take more time and cost more money to get to a loan shop than it does to complete the entire process online.

What if I apply at night, on the weekends, or on a holiday?

Viva Loans is open 24 hours, 7 days a week, 365 days a year. Even on bank holidays.

We offer round-the-clock service, as do most of our lenders, so you can still receive your decision almost instantly. Even on bank holidays, as long as your bank supports Faster Payments facility, you can receive your money on the same day.

What is required to apply for a payday loan?

Eligibility will vary by lender, but all will want to see proof that you:

Are payday loans easier to get than traditional personal loans?

Yes. Payday loans have a higher approval rate than traditional personal loans, and they consider people with bad credit who are often declined by traditional lenders.

That being said, payday loans often have higher interest rates. It’s important to borrow responsibly and only in times of need, and to be sure that you can pay your loan back quickly.