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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.

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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 Loans Birmingham

Instant cash loans in Birmingham

If you have ever found yourself in a tricky situation where you are running out of cash and credit at the same time, you need not be reminded how difficult it really is to actually get any sort of loan on a short notice.

But that shouldn’t be a problem anymore – it has become incredibly easy to get last-minute payday loans in and around Birmingham.

The areas around Birmingham we serve are:

  • All of Birmingham city
  • All of West Midlands County including Coventry, Dudley, Sandwell, Solihull, Walsall.

Very Merry Loans payday loan service can be availed by all UK residents.

Different ways to get a payday loan in Birmingham

Birmingham, being the second largest city in the UK, has made a variety of options available for prospective borrowers. A traditional way to get a payday loan in Birmingham is to rely on numerous High Street loan shops.

However, if you are a Birmingham resident, you don’t have to step out and approach a brick-and-mortar lender to get a payday loan. Like all things these days, payday loans are easily available online.

Very Merry Loans has further eased your troubles. All you have to do is submit your application by filling in the required details and we will contact direct lenders across the UK on your behalf.

This is why a responsible credit broker like Very Merry Loans holds an edge over loan shops:

  • Open 24/7

  • Most loan shops out there do not operate beyond office hours. Very Merry Loans, however, accepts and processes loan applications 24 hours a day – on all days, including bank holidays.

  • It’s free to apply

  • You will never be asked to pay for applying at Very Merry Loans. All of our borrower oriented services (loan application, processing, brokerage) are unconditionally free of all charges.

  • Easy as you like

  • We make it incredibly easy for you to get a payday loan when the needs are pressing. To get such a payday loan, just a simple online application is all it takes – no need to drive to the loan shop or present dozens of documents to support your application.

Payday loans in and around Birmingham

Payday loans have, without any doubt, come to be known a sure-fire cash source for millions of residents in the UK, whenever they face an emergency situation. This is even more apparent in a city like Birmingham that can boast of an illustrious industrial past and where a large majority of residents rely on hard-earned, monthly wages or salaries.

But before you think of getting a payday loan for yourself, it’s a good idea to know what they really are and how they affect your finances.

A payday loan is:

  • A small cash loan – up to £2,000
  • To be paid back over 1 to 12 months
  • Instantly available once your application is approved

Payday loans pros and cons

Now that you have an idea about what payday loans exactly are, it’s worth knowing the relatives pros and cons of the same.

Payday loans – Advantages

  • Payday loans are instant – you can get your hands on the money on the same day of submitting your application.
  • Payday loans are ideal to cover small cash requirements that all of us have to confront every now and then (car repairs, household needs, hospital bills – just to name a few)
  • Payday loans are unsecured – you don’t have to pledge any asset (house or car, for example) to get one.
  • Even if you have bad credit and poor credit score, you still have a great chance of getting a payday loan, as long as you have a monthly source of income to fall back on.

Payday loans – Drawbacks

  • Payday loans interest rates are higher in comparison with bank loans or credit union cash advances.
  • Defaulting on a payday loan can potentially bring your credit score down.

Things to keep in mind before you apply for a payday loan!

Here are a few important point you should take note of before you apply for a payday loan:

  • Payday loans cannot be relied upon for long term credit/cash flow management.
  • It’s not a good idea to get a payday loan to cover your other debts.
  • Defaulting on payday loans usually means that you will end up paying higher interest amounts.
  • Do make sure that you have exhausted other possible borrowing options before you decide to apply for a payday loan.

It’s easy to qualify for a payday loan!

Unlike a bank loan or an extended credit, it is quite easy to be eligible to get a payday loan. For Birmingham as well as all of West Midlands residents, we – here at Very Merry Loans – bring the direct lending services from the best of responsible lenders across the UK.

If you are wondering whether you actually qualify to receive a payday loan, rest assured – the eligibility criteria should be the least of your concerns. Here’s why:

To be eligible to get a payday loan, you must:

  • Be a legal UK resident (at least 18 years of age).
  • Hold a UK bank account, working phone number and an email.
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