Viva Loans UK Review – Easy Loan When You Have Bad Credit

Viva Loans is a loan brokerage platform that has partnered with many direct lenders who provide payday loans ranging from £300 to £2000. This lending platform is renowned for matching cash-strapped borrowers with reliable direct lenders.

They also have lenient loan qualification requirements.

In this article, we’ll explain everything you need to know about Viva Loans: the types of loans they offer, their rates, and the pros and cons.

Features of Viva Loans

1. Several loan options

Viva Loans offers a variety of loan options. It would help if you did your due diligence before settling for an alternative.

Determine how much loan you need urgently, how much can you repay, and how quickly can you repay it. Different loan options come with different terms and conditions. For example, you may receive an instant loan but have a high APR.

Here are the common loans from Viva Loans:

  1. Instant Payday Loans Bad Credit
  2. Quick cash loans no credit check
  3. Quick Payday Loans Unemployed
  4. Fast payday loans on social assistance
  5. Loans on SSI (Supplemental Security Income)
  6. Payday Loans No Phone Calls
  7. Loans with debit card
  8. Payday loans with a prepaid card
  9. Personal loans with current account

2. Flexible and Affordable Loan Amounts

Avoid loan amounts that you cannot repay on time. Viva loans are available in different amounts to make it more convenient for individuals, ranging from £100 to £5,000. This loan amount varies from one direct lender to another.

In addition, Viva Loans generally advises its clients to withdraw only what they need, even if they are entitled to higher amounts.

3. Frequency of repayments

Discuss your repayment schedule with your lender before taking out a loan.

If you are looking for a considerable loan amount, you can apply for more months. For small amounts, you can choose a one-time payment or ask for a few weeks to settle.

Viva Loans lenders offer different payment schedules; bi-weekly, weekly and monthly. You can choose the option that suits your income.

4. Interest

While most payday lenders have been criticized for overcharging their loan services, some direct lenders like Viva Loans charge affordable rates.

Typically, Viva Loans lenders charge between 5.99% and 35.99% for their loans. Always inquire about additional charges such as origin and late or early penalties.

5. Loans for a range of credit profiles

Viva Loans has lined up many loan options and their qualification that you can choose from on their website. This increases your chances of qualifying for at least one of their loan options, regardless of your credit profile.

However, you should be very enthusiastic when dealing with payday lenders, especially if your credit history is terrible.

Most lenders will take advantage of your desperate situation to offer you loans that will send you into an endless cycle of debt. Therefore, you must take the time to read and understand the terms and conditions of the loan before signing it.

Loan assessment process

After applying for your loan, it’s time to wait for a response from the lender.

Viva Loans will review your loan application to assess your ID card, social security number, housing details, driver’s license, amount of loan you want, employment and income. Some direct lenders can also pull your credit history and residence location.

Note that by submitting your loan application, you will be giving Viva Loans the power to share your information with their network of direct lenders.

Typically, the approval process for Viva Loans takes less than ten minutes. For example, payday loans uk take less than three minutes to apply and about five minutes to be approved.

Once approved, they match you with a direct lender to meet your emergency needs. The direct lender will ask you for more details.

If they approve your documents, they will give you their terms and conditions for the loan. The amount of your loan will be paid into your account on the same day of the request.

Variety of uses and lengthy refund terms

Viva Loans does not limit its clients to the use of their loans. They can use it to consolidate other debts, cover medical bills, renovate homes, repair cars, and more.

However, Viva Loans advises its clients to only take out the loans for the right reasons. It would help if you borrowed only to cover an emergency or to top up a deferred paycheck.


  • Same day payments
  • Loans of various amounts, from £200 to £2,000
  • Their loan application and approval process is fast
  • Unemployed people can also apply
  • No credit check

The inconvenients

  • Viva loans come with high rates
  • There are hidden fees

How to apply with Viva Loan

Follow the steps below to apply for a Viva Loan:

Step 1: Access the Viva Loans website

Step 2: Complete the online application form

Step 3: Sign the loan agreement form

Step 3: Get your approval

Step 4: Receive your loan in your bank account

You can also contact Reform Debt Solutions if you have any questions about Viva Loans. They offer free consultation services to everyone British.


Most payday lenders take advantage of desperate customers and can exploit them, leaving them in an endless cycle of debt.

Viva Loans can be useful in an emergency, especially if your credit score is low and you cannot get a loan from other safe alternatives.

However, we recommend that you conduct intensive research to determine your best payday loan alternatives before settling on one.