Why Viva Money?

Cara Bradley

Written by

Cara Bradley

3 min read

Updated: 2nd January 2024

Viva Money is a credit broker taking a fresh approach to the world of finance.
We believe that applying for a loan should be straightforward and easy to understand, which is why we’ll never throw confusing jargon at you or ask you to jump through hoops when applying.


The benefits of using Viva Money

  • We work with a panel of trusted lenders who offer loans between £100 and £10,000, with a range of terms from 3 to 60 months, depending on the amount you borrow.
  • When you apply directly with a lender, they will run a hard credit search as part of the application process. Making too many applications and undergoing multiple hard searches over a short period of time could negatively impact your credit score. Using a credit broker, like Viva Money, could help you avoid this. We use soft search technology to find you a loan; so, if you are matched with a lender and go on to make a full application, you could only need to complete one hard check.
  • We do not charge any fees for our service.
  • Viva Money is an online credit broker, meaning you can apply for a loan at a time and place that suits you, whether that’s on the train, on your lunch break, or while you wait for your tea to cook.
  • Our online form is simple and straightforward, and should take no longer than 5 minutes to complete.

How it works

  1. Choose your preferred loan amount and term, and complete our online form. Answer the questions as accurately as you can.
  2. All done? Our soft search takes just 60 seconds. If we’ve managed to find you a suitable loan, you will be redirected to the lender’s website to complete your application.
  3. The lender will carry out some additional checks, including a hard credit search.
  4. If approved by the lender, you’ll be sent a loan agreement. Take your time and read this thoroughly before accepting. It’s really important to be sure that you can comfortably manage your monthly repayments. Falling behind on or failing to make your repayments could lead to late fees and a drop in your credit score.
  5. Once the loan agreement has been signed, the money will be sent to your bank. Some of the lenders on our panel are able to send the loan on the same day the application is approved, although when the money shows as available in your account depends on your bank’s policies and procedures.

Our experts

Our team have over 120 years’ worth of combined experience in the financial services industry.

Dan Whittaker

Dan is Head of Marketplaces here at Viva Money. His vast knowledge of the consumer finance market means that he often provides insights on money matters in the media.

Alex Kosuth-Phillips

Alex is Viva Money’s Compliance Manager and is responsible for ensuring our content and services follow regulations set by the Financial Conduct Authority (FCA).
Alex oversees customer communications, and is passionate about providing exceptional service and an outstanding customer experience.