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Vivus.co.uk is no longer taking loan applications.

This doesn’t affect outstanding loans and repayments will be collected on the agreed date.

If you have any questions about an existing loan, please call us on 03300 245000 or email info@vivus.co.uk.

Existing Customers Start here

Your first Vivus loan

The new
little loan
  • Half price interest on your first loan
  • Borrow from £100 to £500
  • Pay it back when you get paid, from 10 to 41 days
  • We're a lender, not a broker
Representative Example
Borrow£300 for 25 days
Interest rate146% pa (fixed)
One repayment of£330
Representative302.1% APR
Nobody likes having debt hanging around. Our loans are designed to be paid off in one simple repayment when you get paid. But there's more - or rather less. Seeing as your first Vivus loan is kind of special, you will only pay half our normal interest rate. Then, maybe if you like our approach, you'll come back and try us again.
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk
Compare prices of high cost short term loans at www.allthelenders.org.uk


Get a decision online, usually in minutes. With no jargon and no catches.


Pay it back when you get paid, and then get on with your life.

For your first loan, interest is payable at the rate of 0.4% per day for the duration of the agreement.
If you haven't paid 5 days after the agreed date, a £15 late payment fee will be applied and interest will continue to be added at the same rate.
For any subsequent loan, interest would be payable at our standard rate. Click here for more information.
For more information see our Help and Info section.

How do Vivus loans work?
Find out how to apply

How does it work?

Applying for a Vivus loan You must:

  • Be able to afford the repayment on the agreed date
  • Be at least 18 years old
  • Be a UK resident
  • Have a regular income
  • Have a UK bank account with a debit card
  • Have a mobile phone and email address

Information you'll need

You'll need to tell us:

  • How much income you receive
  • Your regular outgoings
  • Your bank account details
  • Your debit card details

Once you have a Vivus Loan

Use the 'Your Account' section to:

  • Repay your loan at any time
  • See details of your repayment
  • Apply for another loan
    • When you've repaid your existing loan
    • After we have got to know you, we may be able to help you borrow larger amounts.

Happy with what you've seen?

Apply online now. Once we've got your application we can usually give you a decision straight away.