Viva Loans

Fast Transfer
Apply today & get an answer within 2 minutes!
Secure Service
We will never share your personal details without consent.
Apply for your quick loan
How much cash?

How long for?

I have read, understand, and agree to the terms of the Privacy Policy and the Terms & Conditions. I understand that by submitting my information, I may be contacted by telephone by one lender.

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

Personal Loans

Whilst we all do our best to plan for the future, life has an unusual habit of throwing the occasional curve ball which can knock our finances off balance. Losing a vehicle or a key household utility until payday can have a significant and detrimental impact on your lifestyle.

Fortunately, help is hand with a range of personal loans that are specifically designed to help you overcome life's little emergencies. They come in all shapes and sizes and, with Viva Payday Loans, you'll be able to compare lenders from across the market who are ready to say yes!

Let's take a closer look at how personal loans work and how you can apply to personal loan lenders for a great rate on your next credit facility. 

How Do Personal Loans Work?

Personal loans are a simple and reliable form of borrowing which can provide you with the cash you need for whatever financial challenge you're facing.

Choose an amount that you'd like to borrow and an affordable, convenient term over which to repay your balance. You'll be able to choose a monthly payment that meets your budget and will simply need to make sure that your loan is repaid on time each month.

Personal loans can be used for almost any purpose, so whether you're looking to spread the cost of a purchase over the loan length, need to take care of essential home improvements or simply need a vacation with the family, personal loans can help.

Once you've been offered your loan you'll be sent a full copy of your credit agreement. Whether you've taken on loans with bad credit or a more traditional personal loan, this important document will help you to keep on track with your repayments as well as breaking down the total amount repaid and interest charges.

Am I Eligible For Personal Loans?

All of the personal loan lenders at Viva Payday Loans use their own independent criteria when assessing applications. Each individual is treated on their own unique merits meaning that you won't always get the same decision from lenders.

Some lenders are more competitive when it comes to borrowing larger amounts with an excellent credit history whilst others prefer to focus on bad credit personal loans instead.

Either way, there are a few basics that you'll need to fulfil to be considered for personal loans including:

Of course, there are plenty of additional criteria that are considered such as your credit rating, salary, job and outgoings, with all of these factors used to build up a picture of your eligibility.

Can I Get Personal Loans With Bad Credit?

Yes! Viva Payday Loans works with a huge selection of personal loan lenders, many of which specialise in offering personal loans with bad credit. Your credit score is used to give potential lenders an idea into how you've managed credit in the past. It's not the be all and end all of you've missed payments in the past, but it will help to show your borrowing footprint and help with a quick risk assessment.

Just because you've had issues borrowing money in the past doesn't mean that Viva Payday Loans lenders will automatically reject your application. In fact, we're often able to find personal loans with bad credit for customers where other comparison sites have failed.

There are also different personal loans options such as guarantor loans, logbook loans and secured loans which can help to reduce the overall borrowing risk to the lender by using other people or assets as guarantees. This means that you don't need to worry about your existing credit score affecting your application and, what's more, you'll be able to improve the score ready for next time you need credit.

Remember, its not all about your credit score when you apply for personal loans online. Lenders want to know that you're able to repay the amount you've borrowed and some lenders even provide personal loans, no credit checks needed. Viva Payday Loans will help you to select personal loans with bad credit that meet your individual circumstances, helping you to avoid wasting time and money with unsuitable lenders.

How Can I Apply To Personal Loan Lenders?

No matter what your circumstances, applying for personal loans have never been easier. Borrowers are spoilt for choice with the number of personal loan lenders coming to market, but it does mean that it's incredibly time consuming trying to compare personal loans one by one.

Instead, Viva Payday Loans will use the information you provide us with to match your requirements with mainstream and independent lenders from across the market. Our free brokerage service brings together all suitable lenders under one comparison, giving you the freedom to assess the options and choose the most competitive product for your needs.

Applying to personal loan lenders is quick and easy. Simply provide your chosen company with a few additional personal and financial details about yourself, as well as some extra information about the loan you're looking for. They'll make an instant online assessment of your circumstance and, in most cases, can offer a final decision immediately online.

Once approved, your personal loan can be transferred straight to your bank account, usually within 24 hours, ready to use how you choose.

Payday loans

By term or amount

By city