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

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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).

Payday Lenders

Payday Lenders – Fast, Easy Online Loans – Get the Cash You Need Today

If you have unexpected expenses and find yourself in need of last-minute cash, payday lenders online are the best option.

Very Merry Loans works around the clock to connect you with the best direct lenders for your needs, getting you instant cash when you need it most. We are not a lender but instead work with a wide variety of payday lenders in order to connect you with a lender and find you the best short term loans available.

Payday Lenders Online Offer Quick, Short-Term Solutions

Everyone needs extra money from time to time. But not everyone wants to spend hours going to loan shops and filling out paperwork, only to wait weeks before they receive their funds. Luckily payday lenders online make the whole process much easier.

Very Merry Loans partners with direct lenders who offer loans in a matter of minutes. Just apply online, receive your decision, and get instant funds transferred to your bank account. It really is that simple.

Loans from Payday Lenders are…

Quick. The whole process is much faster than applying for a loan in person. Applications are processed within hours, and funds are transferred to your bank instantly. If you apply now, it’s possible to receive your money on the same day. There’s no better solution for fast cash.

Easy. The application is brief and simple. Just fill it out, and you’re done! No lengthy paperwork or grueling credit checks. It’s often much easier to get approved for a payday loan than a traditional loan.

Convenient. You don’t have to wait in line or make an appointment at the bank. In fact, you don’t even have to leave your house. Everything from application to approval is done online, and your funds are deposited electronically in your bank account.

Secure. We implement the highest security standards possible to ensure that your information is confidential and secure. Our partners follow all security regulations and are wholly committed to your privacy.

Practical. If you need a quick, small loan and you don’t want to be riddled with debt for years, payday loans are a very practical option. Not only are they offered in smaller amounts, but they also have shorter repayment periods, so you don’t have to worry about having to pay off debt for years to come.

Flexible. Because we partner with many different lenders, we’re able to offer a wide variety of options. Borrow £50 or £1,000, and select varying repayment periods ranging from one month to one year. If you’re going to borrow money, it should be from a lender that caters to your needs.

Get Your Money Today

You’re Only 3 Easy Steps Away From Instant Cash in Your Bank Account

Fill out our online application. This form asks for basic information and only takes minutes. No paperwork and documentation, no hassle. Complete an application now to get started.

Receive a decision. You’ll hear back shortly, often within hours, from one of our lenders. Read over and the terms and conditions of your loan agreement and accept the loan.

Get your funds. The full loan amount will be transferred to your bank account almost immediately. Within hours, you can be ready to take care of all financial emergencies and unforeseen expenses.

What is a payday loan?

Traditional banks don’t usually offer small loans, and they typically won’t let you choose a repayment period that is under one year. They also rarely consider people with bad credit or no credit history. Payday loans fill all of these gaps.

A payday loan is a small, short-term loan that is lent out against the borrower’s earning potential. They are meant to cover one-time unexpected expenses and are usually repaid over a short period of time, sometimes by the borrower’s next payday. Because payday loans are lent out against the borrower’s income, they don’t always require that you have a good credit score in order to be approved.

Are payday loans right for me?

This will depend on your own circumstances. If you need money quick, and if you’re looking to borrow a small amount or pay your loan back over a short period of time, payday loans are certainly a good option. If you’ve often been denied for a loan from traditional banks due to bad credit, no credit, or a non-traditional form of income, you may want to consider applying for a payday loan.

How does Very Merry Loans work?

Applying for a payday loan at Very Merry Loans is easy, and the whole process can take as little as one day.

  • Fill out our quick, simple application form. We’ll only ask you for basic information.
  • We review your information and pair you with a lender that best meets your needs. You receive a decision from one of our lenders.
  • If you are approved, your money is sent to you through an electronic transfer to your bank.

Our three-step process is really the fastest, easiest loan process around.

Is Very Merry Loans a lender?

No. At Very Merry Loans, we are a loan broker. This means that we partner with a variety of lenders and facilitate the loan process, but we are not actually lending you money.

The benefits of applying for a loan with us are many, but one of the most significant is that filling out our application form gives you access to a number of the best payday lenders within minutes. Applying for a payday loan with Very Merry Loans is like shopping around for the best loan deals without having to do any of the work yourself. Because we are a third party rather than a lender, we are also able to offer you unbiased information and helpful service. We don’t work for banks or loan shops, we work for you.

What are the eligibility requirements to get a payday loan from Very Merry Loans?

Specific eligibility requirements will vary by lender, but all requirements will require that you:

  • Are a UK citizen or resident
  • Are at least 18 years old
  • Have a UK bank account

Direct lenders are Very Merry Loans lend to all kinds of people…

Are payday loans easy to get?

While no loans are guaranteed loans, payday loans are easier to get than most traditional loans. This is because payday lenders lend money against your income, so they’re able to forego a lot of the requirements that traditional lenders have. Direct lenders also specialize in non-traditional lending, so they can afford to offer terms that larger banks won’t, such as small loans and short-term loans.

Is it better to apply for a payday loan in person?


Going to a loan shop to apply for a payday loan takes extra time and will not necessarily save you money. It will often cost you more money, because you are going to only one lender instead of shopping around for the best offer. By applying through a broker, you’re getting access to a number of different lenders in order to find the best deal.

Does Very Merry Loans run a credit check?

No, we do not check your credit. Once you’ve applied, the lender that you match with may choose to check your credit. However, not all lenders will check your credit, and most do not rely on your credit score in order to approve you for a loan. This is because they’re able to approve you based on your income instead.

Can I get a payday loan if I’m unemployed?

Many of our lenders will accept non-traditional forms of income, such as benefits, self-employment, and other income, so it is still possible.

Can I get a payday loan if I’m a student?

It is possible to get a payday loan as a student as long as you have a regular source of monthly income. However, as a student, you may have other loan options available to you. It’s important that you consider all of your options before taking out a loan.

Can I get a payday loan if I’m self-employed?

It is possible. Our lenders will consider your income from self-employment, so as long as you can provide proof of your monthly income, you can qualify for a payday loan.

Can I get a payday loan if I’m not a UK citizen?

Yes. However, you do have to be a UK resident. If you are a resident but not a citizen, you must simply provide proof of your address in order to qualify for a loan.

Can I get a payday loan if I don’t have regular income?

It is not likely. Payday loans are given out against your monthly earning potential, so if you have no monthly income, it is unlikely that any of our lenders will approve you. You should be sure that you can repay your loan before applying.

What counts as a source of regular income?

Different lenders have different terms, but nearly all of them will consider a combination of the following as regular income:

  • Income from a regular part-time or full-time employer
  • Income from investments or rental properties
  • Income from self-employment
  • Government benefits such as retirement pensions

How do payday lenders confirm my income?

There are a number of different ways you can submit proof of regular income to our payday lenders. These include:

  • A recent bank account statement, preferably from within the past 3 months
  • Bank deposit statements from your employer
  • Bank deposit statements from self-employed earnings
  • Bank deposit statements from investments
  • Bank deposit statements from government benefits

Can I get a payday loan if I have bad credit?

Yes, it is possible. Our lenders do not consider your credit as heavily as traditional lenders, and some barely look at it at all. The main factor for approval for payday loans is your monthly earning potential. As long as your income suggests you will be able to repay your loan, bad credit does not matter.

Can I get a payday loan if I have no credit?

Yes, it is possible. Because payday loans are lent against your earning potential, having no credit history does not necessarily pose a problem. As long as you can show that you’re financially able to pay back your loan, you do not need to have credit.

Why do payday lenders loan to people that traditional banks won’t?

Payday lenders are able to take on the additional risk of lending to people that traditional banks won’t because they often balance that risk by charging higher interest rates than traditional banks. That being said, if you’re borrowing a small amount over a short period of time, you may end up paying less in interest than you would if you were to repay your loan over a long period of time, accruing interest each month.

How fast will I get my payday loan?

Payday loans are almost instant. Many people receive their funds the same day that they applied. The exact waiting time will depend on when you apply. In the middle of the night and on certain bank holidays, you may have to wait until the next morning for a decision. However, applications are typically processed within hours. Once you are approved, funds are transferred instantly to your bank.

What can I use my payday loan for?

Once you receive your funds, you can use them for anything you want. However, it’s important to note that you should never take out a loan to pay for avoidable expenses, such as shopping, entertainment, or other unnecessary purchases. Loans should be used to pay for necessary, short-term or one-time expenses. They are often used to cover unforeseen circumstances.

Does it cost me money to apply for payday loans?

No. Our application process is completely free, and you do not have to pay anything to receive a decision from one of our lenders.

How much do payday loans cost?

The overall cost of your payday loan will vary greatly depending on the amount you borrow, your interest rate, and your repayment period. Typically, the larger your loan, the more you will pay in interest. Also, the longer your repayment period, the more you will pay in interest. Payday loans tend to be more expensive than traditional loans, but they are more convenient, and because they’re repaid over a short period of time, they can end up being comparable in cost.

Is my information secure?

Yes. Your information is 100% secure with Very Merry Loans and with our lenders. Your security is our number one priority at Very Merry Loans, and we follow all of the strictest security procedures to ensure your confidentiality. You can rest easy knowing that your information is always safe.

How do I receive my loan?

Your loan will be sent to you through an electronic transfer to your bank. This is why our lenders require that you have a UK bank account.

Do payday loans affect my credit?

Yes, payday loans can affect your credit. If you repay them on time, they’re good for your credit. However, if you miss payments, make late payments, or do not repay your loan, this will adversely affect your credit score. This is why it’s critically important that you make sure you can afford to repay your loan before borrowing any money.

How much money can I receive in loans from Very Merry Loans?

This will depend on your application.

However, most of our loans are our payday loans are small, short term loans that typically range from £100 to £2,000. If you’re looking for a larger, long-term loan, you might want to consider instalment loans.

How long do I have to repay my loan?

This will depend on your loan terms.

Payday loans are short-term loans, therefore your loan should be paid back over a brief period of time. Our lenders offer repayment periods ranging from 1 month to 12 months.

Can I take out more than one loan at the same time?

It is possible to be approved for more than one loan at the same time. That being said, it’s not recommended that you take out multiple loans at once. You want to be sure that you can repay your loans on time, and juggling multiple loans at the same time often results in late or missed payments and debt that is very difficult to combat.

Should I take out a loan if I’m not sure how I’ll pay it off?

No. It is never a good idea to take out a loan unless you’re completely certain that you’ll be able to repay it on time. Late payments can result in additional charges and fees and bad marks on your credit score, and withdrawing a loan that you cannot keep up with financially will only put you in debt that is difficult to get out of.

What are the terms and conditions of your loans?

Loan terms and conditions vary greatly by lender. Once you’re approved for a loan, you’ll receive a lender agreement that explains the terms and conditions of that loan. Read them carefully as they will help you decide whether or not you’d like to accept the loan.

What if I’m approved for a loan, and I decide that I don’t want it?

That is fine. Once you’re approved for a loan, you’ll be sent the terms and conditions. You can decide then whether or not you would like to actually withdraw the loan. You will never be obligated to take out a loan.

How do I repay my loan?

Often, lenders will just take out automatic payments from your bank account on each month’s repayment date. This is the easiest way to repay your loan. If you wish, you can also pay them yourself, either electronically or with a check.

What happens if I can’t repay my loan?

If you’re unable to repay your loan, you will want to call your lender immediately and explain your situation. Although it is never good to be unable to make your loan payments, some lenders may work with you to restructure your loan payments and make them more manageable, especially in the event of unforeseen financial burdens.

If you are unable to make a payment and you do not call your lender and work with them to develop a solution, it could have a dire effect on your financial well-being. You will receive late payment marks on your credit report, and eventually you could fall into delinquency. Remember, it is never a good idea to take on debt that you cannot manage.

Ready to Get Started?

Apply Now and Get Paid Today

If you’re ready to get started, just fill out our application form and wait for a response from one of our lenders.

When you have a financial emergency, waiting to pay because you don’t have the money often just makes the problem worse. You could end up owing more money in the end if you don’t take action and pay off your expenses in a timely manner. While loans are not free, they often end up saving you money in the long run.

If you want quick, easy cash today, there is no better option out there than a payday loan from Very Merry Loans.

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