Viva Loans UK Review – Easy Loan for Bad Credit

Viva Loans is a loan brokerage platform that has partnered with many direct lenders making payday loans between £300 and £2,000. This lending platform is known for matching bad borrowers with reliable direct lenders.

They also have lenient credit qualification requirements.

In this article, we’ll walk you through everything you should know about Viva Loans: types of loans they offer, their interest rates, and pros and cons.

Features of Viva loans

1. Multiple loan options

Viva Loans offers a variety of loan options. It would be helpful if you did your due diligence before deciding on an alternative.

Determine the loan amount you urgently need, how much you can repay, and how quickly you can repay it. Different credit options have different terms. For example, you can get an instant loan but have a high APR.

Below are the popular loans from Viva Loans:

  1. Immediate payday loans bad credit
  2. Fast cash advance without credit check
  3. Fast payday loans for unemployed
  4. Fast payday loans for welfare
  5. Loan on SSI (Supplemental Security Income)
  6. Payday loans without phone calls
  7. Loans with debit card
  8. Payday loan with prepaid card
  9. Payday loan with checking account

2. Flexible, affordable loan amounts

Avoid loan amounts that you cannot repay on time. Viva loans come in a range of amounts to make it more convenient for individuals – from as low as £100 up to £5,000. This loan amount varies from one direct lender to another.

In addition, Viva Loans usually advises its customers to only borrow what they need, even if they qualify for higher amounts.

3. Frequency of Repayments

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

If you are looking for a significant amount of credit, you can apply for more months. For smaller amounts, you can choose a one-time payment or request a deduction for a few weeks.

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

4. Interest

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

Generally, Viva Loans lenders charge between 5.99% and 35.99% on their loans. Always inquire about incidental charges such as origination and late or early penalties.

5. Credit for a range of credit profiles

Viva Loans has compiled many loan options and their qualifications for you to choose from on their website. This increases your chances of qualifying for at least one of their credit options, regardless of your credit profile.

However, you should be very careful about 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 keep you stuck in an endless cycle of debt. Therefore, you should take the time to read and understand the terms of the loan before signing it.

credit 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 evaluate your ID, social security number, home information, driver’s license, loan amount desired, employment and income information. Some direct lenders can also get your credit history and location of residence.

Note that by submitting your loan application, you authorize Viva Loans to share your information with their network of direct lenders.

Typically, the Viva Loans approval process takes less than ten minutes. For example, Loans UK Payday It takes less than three minutes to apply and about five minutes to get approved.

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

If they approve your documents, they will give you their terms of the loan. Your loan amount will be transferred to your account on the same day you submit your application.

Diverse application possibilities and long running times

Viva Loans does not limit its customers to their use of credit. You can use it to consolidate other debts, cover medical bills, renovate houses, repair cars, etc.

However, Viva Kredite advises its customers to only take out loans for the right reasons. It would be helpful if you only took out a loan to cover an emergency or to top up a late paycheck.


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


How to apply with Viva Loan

Use the following steps to apply for a Viva loan:

Step 1: Go to the Viva Loans website

Step 2: Fill out 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 questions about Viva Loans. They offer free consulting services to everyone British.

bottom line

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

Viva loans can come in handy in emergencies, especially when your credit history is poor and you are unable to secure credit from other safe alternatives.

However, we recommend doing extensive research to determine your best payday loan alternatives before committing to one.

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