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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  • 3 months
  • 6 months
  • 12 months
Your Loan Summary
Repayment by:
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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.

Unsecured Loans

What is an ‘unsecured loan’?

An ‘unsecured loan’ is a personal loan that is not secured with any sort of collateral or pledging. Traditionally, private lenders have been major providers for unsecured loans. Retail banks have also started granting unsecured loans of late.

What makes unsecured loans attractive?

There are quite a few reasons that make unsecured loans attractive.

Who can get an unsecured loan?

Every legal UK citizen (18 years of age or older) with a valid bank account and a regular source of monthly income can get an unsecured loan.

You can easily get an unsecured payday loan even if you:

When should I choose to get an unsecured loan?

You can go for an unsecured loan if:

When should I not choose an unsecured payday loan?

An unsecured payday loan may not be the best way out of a cash crisis for you if you are not regularly employed or you don’t have a regular source of monthly income.

Also, getting an unsecured cash loan to cover for other debts is never a good idea.

What makes it possible for lenders to offer unsecured loans?

Unsecured loans are offered against a borrower’s ability to pay back, rather than their assets. So, before approving a loan application, lenders will usually make sure that a borrower has a regular source of assured income to help pay the loan back.

It is the borrower’s earning capacity and credit history coupled together that makes it possible for lenders to offer unsecured loans.

What is the difference between a payday loan and an unsecured loan?

There is not much difference between a payday loan and an unsecured loan.

While every payday loan is essentially an unsecured loan, the converse may not always be true. Here at Viva Loans, we help you get unsecured loans that you are required to pay back before your next payday.

How much is it possible for me to borrow as an unsecured loan?

Unlike payday loans, there is no upper cap on the amount of money you can borrow as an unsecured loans – it all depends upon the lender’s discretion. However, please note that at Viva Loans, we entertain payday loan (guaranteed unsecured loans) applications for up to £2,000 to be paid back over 3 to 12 months.