Borrow $100 - $5,000 Over 2 - 24 Months Today
How much cash?

How long for?
No upfront fees or costs
5.99% - 35.99%
In your account by: 11:25am

By submitting this form, I have read, understand, and agree to the terms of the Privacy Policy and the Terms & Conditions.

Consumer Advisory: APR Rates Range From 5.99% to 35.99% Maximum APR.

All FICO Scores Welcome
Viva Payday Loans > Bad Credit Loans

Payday Loans Bad Credit

If you’ve had problems getting short term loans in the past then this may well be because your credit file isn’t quite up to scratch. There’s a common misconception that a bad credit score is always down to bad loan management, but those who have never had credit in the past can also be seen as an unknown risk to lenders.

At Viva Payday Loans, we work with reputable lenders from across the country who can help you to access a huge range of bad credit loans when you need them most. Let’s take a closer look at how bad credit history loans work and how you can improve your chances of acceptance.

What Are Bad Credit Loans?

Lenders understand that no matter what your credit situation, there will always be times when a little financial helping hand can go a long way. Whether it’s to cover a deposit on a vacation, emergency vehicle repairs or simply to give yourself a bit more breathing space, payday loans bad credit or not can help you to get by until your next pay check.

Loans with bad credit work for you just like a traditional personal loan with the main exception being the acceptance criteria used to assess applications. You’ll be able to borrow a cash lump sum for a chosen period of weeks or months, or up until your next payday depending on the type of bad credit loan that you choose. It’s then down to you to make regular, timely repayments until the balance is cleared.

If you’re looking for loans with bad credit then you’ll also notice that different rates that are available. If you have a poor or zero credit history then you’ll initially expect to repay your loan at a slightly higher interest rate. However, the good news is that as you make repayment over time, you’ll have a better chance of successfully applying for other borrowing options that aren’t just loans with bad credit.

Who Are Bad Credit Loans Suitable For?

Bad credit payday loans are suitable for anyone looking for short term financial assistance until their next payday. They’re known for being easier to get approved for meaning that they’re ideal for those who need quick access to cash. In many cases, bad credit payday loans can be paid directly into your bank account within 24 hours of acceptance.

Payday loans bad credit aren’t just for those with a chequered borrowing history. If you’ve never had credit cards or loans in the past then there are no markers on your existing credit file to show lenders that you’re a reliable borrower. No credit history is often seen as much of a risk as having a poor credit history since you won’t have a track record behind you.

In these instances, bad credit loans are ideal as it will give you a great opportunity to build up a credit score whilst getting cash into your account quickly. Once your score improves and you’ve got a visible borrowing background, you’ll be eligible for a wider range of credit related products at more competitive rates.

How Can I Apply For Bad Credit Loans?

With so many specialist lenders now offering bad credit loans to consumers, there’s never been a better time to shop around for a great deal on payday loans, bad credit included. Unfortunately, comparing every single loan on the market would take more than a lifetime but Viva Payday Loans is here to help.

We take the leg work out of comparing loans with bad credit by using your information to compare the features, benefits and costs of suitable payday loans from across the market, helping you to make an informed decision on the best option for your circumstances.

Once you’ve found a competitive bad credit payday loan that’s affordable, you’ll be able to apply online with an instant decision available in minutes. Most lenders won’t need any further information and can offer an instant outcome, however in some instances they may require payslips or a quick phone call just to confirm your information.

If you’re accepted you’ll simply need to electronically sign your credit agreement which will outline exactly how much you’re able to borrow, your repayments dates, repayment amounts, interest and total amount borrowed. Keep hold of this document so you can refer back to it if you need to remind yourself of key details on your loan for bad credit.

The lender will then arrange for the funds to be transferred to your bank account, usually within 24 hours.

How Can Viva Payday Loans Help?

At Viva Payday Loans, we’ll search the lending market on your behalf and present you with a range of borrowing options. As a bad credit payday loans broker, it’s up to you to decide which of these options is most suitable and we’ll always remain impartial and transparent when presenting you with your lenders.

What’s more is that our services are completely free of charge meaning that you’ll never pay us a single penny for our services. Our customer services team is always available should you need a hand accessing any of our payday loans, bad credit or short term personal loans.

To get started, grab your free, no obligation comparison from Viva Payday Loans and get a great rate on your next finance stream today.