Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk

Personalised loans
as simple as V-I-V-A

Loans from £100 to £10,000
between 3 and 60 months

How much do you want to borrow?

Preferred monthly term question mark
Get my personalised quote Representative 79.5% APR

Digitonomy Limited (trading as Viva Money) is a credit broker, not a lender. All applications subject to affordability, UK residents only.

Rates between 11.8% APR and maximum 1721% APR - your no-obligation quote and APR will be based on your personal circumstances - we compare small loans from over 30 lenders to get you the lowest APR possible. If you are not successful in finding a loan we may transfer you directly to alternative firms and services, such as credit builder tools which could incur a monthly fee if you choose to use them. There are no fees for our service.

Representative example: Amount of credit: £1000 for 12 months at £123.40 per month. Total amount repayable of £1,480.77 Interest: £480.77. Interest rate: 79.5% pa (fixed). 79.5% APR Representative.

Reasons to love
Viva Money

Borrow from  £100 to £10,000
Loan terms between  3 and 60 months
All credit scores welcome to apply
Simple online form
No-obligation quotes
Get my personalised quote

Representative 79.5% APR

How it works

Our process is as easy as V-I-V-A
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Choose your loan and term and complete our simple online form.


Using the information provided on your form, we will carry out a soft search and scan our panel of lenders for a suitable loan you could be eligible for. In just 60 seconds, we'll let you know if you've been matched to a lender. If we've found you a match, you'll be redirected to the lender's website.


You'll complete the rest of your application with the lender you were matched with. You'll be presented with a loan offer, although you should be aware that the interest rate you are offered could be subject to change following a hard search. The lender will run a hard search for an insight into your credit history.


If the lender is happy with the outcome of the hard search, you'll be offered a loan. Be sure to check the loan agreement carefully before accepting.
The money will be sent to your account. Make your monthly repayments on time and clear the balance of the loan within your chosen term.

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What sets us apart?

Come on… Look at us! Name a company with cooler mascots - we'll wait

The little dudes aside, we're really proud to be taking a fresh perspective on the financial services industry.

When it comes to credit ratings and history, we appreciate that things aren't always plain sailing. This doesn't mean that you should be excluded from applying for financial products, such as loans.

Did we mention we can search for a loan in just 60 seconds? We don't mess around!

Things you can do in 60 seconds: 

30 star jumps.
Clap your hands above your head while listening to the epic intro of Queen's 'We Will Rock You.'
Toast the perfect bagel.
Madly dance to one verse of 'Gangnam Style.'
Pour yourself a refreshing glass of strawberry milkshake.
Get my personalised quote Representative 79.5% APR
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Got some questions?
We have the answers!

Who are Viva Money?

Viva Money is a UK-based credit broker, authorised and regulated by the Financial Conduct Authority.

How does it work?

Viva Money search our panel of lenders, credit brokers and credit monitoring services to find the best loan for your individual circumstances. If you are accepted by one of our partners, you will be redirected to their website to complete your application.

Do you charge any fees?

No, Viva Money do not charge any fees. Our service is free. We will never ask you to send us any money, voucher codes, or payment of any kind.

What is a soft search?

A soft search is a way for lenders and brokers to check your creditworthiness without leaving a ‘footprint’ on your credit report. A soft search can give you an idea of your chances of being approved for a loan or credit card. It does not affect your credit score. It is only visible on your credit report to you and cannot be seen by other lenders.

What is a Representative APR?

The Representative APR is the annual percentage rate that 51% of customers have been offered for the financial product that is being advertised. It gives you an idea of the overall cost of the loan including interest and any additional fees. Representative APR is often used to compare different credit products and their costs. The rate you will be offered depends on your lender and other factors, such as your credit score.

When will the money be in my account?

If accepted, your loan could be sent to your account on the same day. However, the time it takes to show in your account varies. It will depend on a variety of factors including the time of day that you make your application, and whether your bank accepts Faster Payments (some lenders may include an extra charge for this service).