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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  • 3 months
  • 6 months
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Your Loan Summary
Repayment by:
In your account by*: 07:10pm
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Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 2 months. Maximum Loan Length is 12 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). Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable).

We are a free licensed credit broker not a Lender.

Payday Loans With Bad Credit

Finding personal loans bad credit can be tricky business if you've had problems with debt in the past. From missed credit card and loan payments to CCJs and defaults, there are plenty of reasons why personal loans for bad credit can be hard to come by.

Fortunately, Viva Loans works with a wide range of specialist, personal loan bad credit lenders who are on hand to help. They'll take a look at your wider circumstances when considering a loan's affordability for your circumstances, giving you a great chance of quickly getting some extra cash in the bank.

By getting an unsecured personal loan bad credit, you'll ensure that none of your assets are put at risk and that you won't need a guarantor.

Let's take a look at personal loans bad credit in more detail and steps you can take to improve your chances of acceptance.

Is It Difficult To Find Personal Loans For Bad Credit?

No! In fact, it's easier than ever before to find personal loans bad credit included. Whilst lenders are taking a more responsible approach to lending, this also means they take a 360 look at your circumstances.

Rather than simply declining you for personal loans bad credit based on your credit score alone, they'll want to see evidence that you can afford to repay the loan by taking into account factors such as your residential status, employment status and income.

No matter which personal loan bad credit your apply for, you'll need to at least meet the following criteria to be considered:

Almost every personal loans bad credit that we assess here at Viva Loans are offered entirely online so you'll never have to go through lengthy phone calls in order to get your personal loan bad credit.

How To Apply For Personal Loans Bad Credit?

Applying for personal loans for bad credit is quick and easy, and can be done in a matter of minutes. Simply complete the Viva Loans comparison form and we'll tailor a detailed list of suitable personal loans bad credit lenders based on your requirements.

It's then down to you to select the personal loan bad credit that you feel best suits your circumstances. Consider things such as how long the funds will take to reach you, the interest rates and monthly repayments when comparing personal loans bad credit.

Once you've chosen a personal loans bad credit lender, simply complete the final details online and receive an instant decision.

If accepted, you'll receive a credit agreement which will detail each repayment, the dates and total amount repayable. You'll need to sign and return this electronically at which point funds will be transferred to your account. Most personal loans bad credit lenders are able to do this within 24 hours although many commit to making the transfer on depositing funds on the same day you're accepted.

Apply online today for your personal loan bad credit with Viva Loans and pick up a great deal on your next no credit history loans by using Viva Loans today and apply to multiple lenders in minutes.