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.

Warning: Late repayment can cause you serious money problems. For help go to

Fast Transfer
On average funds are transferred within 15 minutes*
Representative 669.35% APR
Instant Decision
Our form takes 2 minutes to complete, decision provided instantly!*
Representative 669.35% APR
A secure service
We will never share your personal details without consent
Representative 669.35% APR

Warning: Late repayment can cause serious money problems, for help or advice please go to

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Your Loan Summary
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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 2 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). We are a credit broker not a Lender.

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 2 months. Maximum Loan Length is 36 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).


Easy, Guaranteed Loans For People Who Need Cash Now

Do you need cash now?

Did you take a look at your bank account and realized you spent too much recently? Is it the end of the month and you’re having trouble making ends meet? Have you had an urgent, unexpected expense come up that you can’t cover?

Luckily, you can get money today from lenders that are fast, secure, and trustworthy. Borrow money online, and you’ll have access to a multitude of different loan options.

Get Money Today – Find The Best Lender For Your Needs And Borrow Money Online

If you need cash now, Viva Loans can help you find the perfect solution.

We are not a lender, but rather a free broker service that works with many different kinds of lenders to help you find the best options on the market. Don’t shop around at loan shops and banks that barely give you the time of day. Borrow money online, and you never have to leave your house.

You can get money today, and here’s how it works.

Fill out a 5-minutes online application.

Fill out our brief application form online. We’ll only ask for basic information, and it is completely confidential and secure. We will process your application and send it off to lenders in our network that offer what you’re looking for.

Receive an instant decision.

If one of our lenders approves you, you’ll receive a decision almost instantly. Your loan agreement will be sent to you, which will include all the details of your loan offering, including things like interest rates and repayment periods.

Get your money immediately.

If you choose to accept your loan offering, the money is deposited in your bank account through an electronic transfer. The timing will depend on the operating hours of your bank, but this could happen in under an hour.

Borrow money that’s…

Loans come in many shapes and sizes. Common ways to borrow money include…

Payday Loans

Payday loans are small, short term loans that are paid back very quickly. Often, these loans are repaid within 30 days or by the borrower’s subsequent payday. That’s why they’re called payday loans.

Payday loans are also offered in smaller amounts than many other loan types because the repayment periods are so short. It’s hard to find payday loans for over £1,000, and many lenders will give out payday loans as small as £100 or even £50.

Rather than focus solely on your credit score, payday loans are lent out against the borrower’s monthly earnings. This means that many people who cannot access traditional loans are approved for payday loans. It also means that payday loans tend to have higher interest rates, as they are given out to high-risk borrowers.

Instalment Loans

Unlike payday loans, which are usually repaid in one large payment within 30 days, instalment loans are repaid in weekly or monthly instalments spread out over a longer time period. This makes the borrower’s monthly payments more affordable, but it also means that over time, they are paying more in interest.

Instalment loans come in a wide variety of amounts with a huge range of repayment periods. Smaller installment loans, which are also sometimes referred to as payday loans, can offer repayment periods as short as 3 months and as long as 12 months. Larger instalment loans are repaid over the course of several years or even decades.

Personal Loans

Personal loans are any loans that are used for personal purposes, as opposed to commercial loans, auto loans, or home loans. They can be spent on a wide variety of things, but are often taken out to cover additional bills, unexpected expenses, or large purchases that can’t be paid for all at once.

Personal loans come in many different forms. They can come in the form of short term or payday loans, and they can come in the form of instalment loans. Personal loans vary widely in their size and repayment periods as well.

Guarantor Loans

Guarantor loans allow people who may have poor credit or no credit to access unsecured loans, even at high amounts, by assigning a guarantor to the loan. A guarantor is a close friend or family member who supports the borrower’s loan application by signing on with them.

Essentially, instead of taking out a loan backed by an asset such as a car or home back your loan (as is the case with secured loans) or by your credit score, the borrower is able to take out a loan that is backed by another family member or friend. This person, the borrower’s guarantor, agrees to repay the loan in the case that the original borrower defaults.

While being a guarantor is a big responsibility, if the borrower is someone trustworthy, guarantor loans can be a great deal for everyone involved. They are often more affordable than other forms of bad credit loans and secured loans.

Logbook Loans

A logbook loan is a secured loan that is backed by the borrower’s vehicle. The loan amount will depend on the value of the borrower’s vehicle, and it is often only possible to borrow up to half the worth of the vehicle.

Logbook lenders own the borrower’s vehicle until their loan is repaid, and borrower’s must hand over their logbook and vehicle registration when they withdraw the loan. They must also sign a bill of sale. However, the borrower may continue to use their vehicle as usual, as long as they are making loan repayments in a timely manner. If the borrower defaults on their loan, they lose their vehicle to the lender.

Logbook loans are an option for people who have very bad credit and cannot get an unsecured loan, especially if they’re unable to find someone to be a guarantor for them on a guarantor loan. That being said, logbook loans are expensive and very risky. They should be seen as a last resort when all other loan options are unavailable.