Loan Funded By*:

Welcome to, we can help you borrow £100 - £2,000 from 2 - 12 months.

Loans for 2 - 12 months.

Short, simple and fast application process.

Decisions in minutes.

How much you need today?

When can you repay this loan?

1 Months

Funded by*: 13:08

Borrowing: £1000

Representative APR: 669.35%

Repayment By: 5.1.2016

Interest: £58.68

Total Repayment: £1058.68

Apply Now Apply Now
Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 2 months. Maximum Loan Length is 12 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable). We are a free licensed credit broker, not a lender.

Rates from 49.9% APR to max 1333% APR. Minimum Loan Length is 2 months. Maximum Loan Length is 12 months. Representative Example: £250 borrowed for 30 days. Total amount repayable is £310.00. Interest charged is £60.00, annual interest rate of 292% (fixed). Representative 669.35% APR (variable).

3 Month Payday Loans

Short term loans for emergency cash requirements

Whenever you are required to deal with any sort of emergency cash requirement, a short term loan of small amount can be a reasonably good way out of the trouble. If you are looking for such instant loans to take care of your cash problems, Very Merry Loans has all the potential to be your one-stop destination.

Here’s why:

  • UK-wide network of responsible lenders

    Our network of direct lenders spans the entire UK. This allows us to find the best and the cheapest quotes for your payday loan requirements. There’s no need any more for you to depend upon whatever rates the local lenders provide.

  • Easily accessible payday loans

    To get a payday loan from a direct lender of your choice, all you have to do is apply online here. The application procedure is very much straightforward and won’t take longer than five minutes for you to complete.

  • Cheapest APRs

    Since we approach a large number of direct lenders on your behalf, it is quite possible for you to choose a lender who is willing to offer the cheapest interest rates with least processing fees.

  • 24-hour operation

    Very Merry Loans understands that a large majority of payday loan applicants are in need of urgent cash. That’s why, we operate around the clock, 24 hours a day, so that your application reaches prospective lenders as soon as you submit it to us.

  • Get cash instantly

    As you get into a loan agreement with a lender of your choice, you can be sure that the money will be transferred to your bank account on the same day. This usually doesn’t take longer than half an hour if your bank account is enabled for ‘Faster Payments’.

  • Very high rate of loan approval

    It’s a good idea to apply for payday loans via licensed credit brokers like Very Merry Loans, as it allows you a higher chance of getting your application approved.

  • No hassle, no frustration

    Dealing with traditional loan shops or local lenders can be a harrowing experience to say the least. It can often turn into a distressing – embarrassing, even – ordeal to go through all those applications and paperwork.

But that’s all history now. We, at Very Merry Loans, make sure that you have to submit one and only one application to us. The necessary KYC/bank documents can be easily attached electronically, whenever demanded by the lenders.

Very Merry Loans and 3-month loans

At this juncture, it would be well in order to mention that presently, Very Merry Loans does not broker ‘instalment loans’. Instalment loans are loans that are expected to be repaid in multiple instalments spread over a long term.

Standard bank loans or credit union loans are typically instalment loans. 3-month loans extended by many private lenders can also be counted under this head, provided that the borrower is allowed to pay it back in 3 or more instalments.

In that sense, the kind of loan you can hope to get an instant quote for using our services is a short term loan. Very Merry Loans can help you get a payday loan for:

  • £100 to £2,000.
  • To be paid over 1 to 12 months.

If you choose to get a standard payday loan brokered by Very Merry Loans, you will have the following factors work in your favour:

  • Easy to get approved

    The longer the loan, the harder it is to get approved. So, getting approved for an instant payday loan via Very Merry Loans is much easier than finding a direct lender for a 3-month loan.

  • Easy to settle

    To settle 3-month loans, it requires more meticulous and long term planning. On the contrary, it is much easier to settle a standard payday loan in one go, as it is typically small sized.

  • Bad credit

    Most lenders who offer 3-month loans assess applications based on credit reports. Therefore, if you are on bad credit, you may find it a whole lot more difficult to find a lender willing to grant you a 3-month loan.

    However, most payday lenders we work with tend to offer ‘no credit check’ or ‘minimal credit check’ loans, meaning that in spite of bad credit, your application has a higher chance of getting approved for a payday loan than for a 3-month loan.

  • Minimum criteria

    Very Merry Loans accepts applications from all UK residents over 18 years old.

A standard Very Merry Loans payday loan is suitable for you if:

  • You need £2,000 or less.
  • You need the money very urgently.
  • You are confident of paying the loan back.
  • You happen to have no outstanding payday loans.
  • You have a less than ideal credit history.
Very Merry Example

Loan Amount: £250
Loan Term: 30 days
Interest: £60
Total Repayable: £310 Apply

Representative APR: 669.35%. (variable)
Warning: Late repayment can cause you serious money problems. For help, go to