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 Loans In Edinburgh

Short term, unsecured loans in Edinburgh – Right at your fingertips!

Who would have thought that getting an instant loan without ever having to leave your house or present a large stash of documents will be possible?

But it’s now more than possible, thanks to payday loans.

If you are an Edinburgh resident, you can get a small cash boost to cover your cash deficit instantly. We help all UK residents secure suitable and instant payday loans via our network of responsible lenders. In regard with Edinburgh, this includes the following areas:

  • City of Edinburgh (City Centre, Old Town, New Town)
  • Edinburgh Council Area
  • South East Scotland City Region

Borrow up to £2,000

Very Merry Loans, with a common, singular application form, makes it possible for you to get small loans from £100 to £2,000 for 1 to 12 months, so that you can settle the loan on or before your next payday.

Such small loans are taken by thousands of borrowers across the UK to cover for unexpected expenses or emergency cash needs.

Here are some of the foremost features that make payday loans popular:

  • It’s very easy to be eligible to get a payday loan. You need to be an adult UK resident with a UK bank account and a reliable source of income.
  • Payday loan applications are dealt with summarily – often within minutes. So, you get the decision quickly and once approved, money is transferred to your bank account straightaway on the same day (usually within half an hour!).
  • You can get a payday loan even if you are pensioner or on benefits. There are specialist lenders who cater to various income categories, and we help your application reach them promptly.
  • If you are on bad credit, you can still get a payday loan, given that you are full time or part time employed.

More about payday loans in Edinburgh

For Edinburgh residents, there are not too many instant loan options available, barring a few select loan shops. And it goes without saying that it’s rather difficult to make a visit to a loan shop over and over again, especially when you need to deal with modern, hectic lifestyle. But payday loans that you can get online solve these problems all at once.

At Very Merry Loans, we help you connect with direct lenders scattered across the whole of the UK so that you can find a lender who is:

  • Responsible.
  • Has a clean, customer friendly track record.
  • Willing to offer the cheapest interest rates.
  • Is much more likely to accept your application.

Comparing Very Merry Loans with loan shops & local lenders

  Very Merry Loans High Street Loan Shops
Application procedure Extremely easy Relatively more difficult
Online/Offline Online Offline
Paperwork Minimal High
Ease of access (convenience) High Low
Fees No fees to apply Extra fees for application handling and processing
Instant loan approval Yes No
Instant money transfer Yes No
Choice of multiple quotes from multiple lenders Yes No
Working hours 24/7 on all days 9 to 5 on working days
Customer service Round the clock Not available beyond working hours
Approval rate Very high Low to moderate

Choosing a particular lender

Online payday lending industry has undergone tremendous growth in last few years. It has, no doubt, made the whole deal fairer for borrowers by making more and more options available. However, on the other hand, it has also become difficult to find a responsible lender who operates in accordance with all applicable rules and laws.

That’s where a reputed credit broker like Very Merry Loans can be quite useful. We make sure that your applications are forwarded exclusively to responsible lenders and your data is kept secure.

Here are few points that can help you make sure that you choose a correct lender:

  • A responsible lender makes all the loan terms, fees and charges – including interest rates and default fines – known to you before you get into an agreement.
  • A responsible lender is FCA registered, VAT compliant and has a valid physical address and a phone number.
  • A responsible lender helps find an amicable way out in case you fail to settle the loan on schedule. This includes helping you reschedule the loan at a fair interest rate.

Payday loans – Things you need to know

Even though getting a payday loan in Edinburgh has become as simple as submitting an online application, there are certain things that you must know before you actually decide upon doing so.

  • Ask yourself whether it’s absolutely necessary to get a payday loan to address your cash problems. This is mainly because payday loans are more expensive than other alternatives.
  • Payday loans can work best when you have small cash needs at the eleventh hour, and you are quite sure that your next paycheque will easily cover whatever you borrow as a payday loan. Defaulting on a payday loan is never a good idea.
  • Be sure to read carefully all the terms of the agreement. If you are not sure about any particular fee, charge or clause, let it be known to the lender.
  • Never choose to take a payday loan to pay for your past payday loans or other forms of debts.
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