There is always a time in our lives, no matter how much we try to prepare for them, that an unexpected bill comes up. Or we need a new washing machine, cooker, the list can go on. And we are left struggling as to how we can afford it.
Who Are Vivus?
Vivus, offer a short term loan to help cushion this period. Vivus is a one payment loan where you can choose to borrow between £100 – £500. Where you choose to repay within 10 – 41 days. You just repay in full on your chosen pay date.
How Do You Apply?
When you first visit the Vivus website. You will see a little table with a slider of how much you would like to borrow and for how many days. It will then tell you exactly how much you have to repay. So there are no hidden surprises for you on completion of the loan.
The next step if you wish to continue, is to apply online. There are no awkward telephone conversations or visiting an office to see someone. You can apply anywhere at anytime that is convenient for yourself, and you get a decision within minutes.
How Long Do I Have To Wait?
Depending on what time you are approved for your loan will depend on when you receive you loan payment. If you apply and are approved before 3pm Monday – Friday you will get the money the same day. Otherwise you will receive the payment the next working day.
If you do find that you will not be able to make the payment on the agreed date, you can contact them to discuss this and extending it slightly.
Vivus is great for getting help when needed, and used sensibly is a great service, as can help with those times when we need to buy a replacement appliance or costly mechanics bill. It is not there to help with debt problems. If you are unable to repay the loan in full at the end of the term you should not be taking out a loan.