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 London

Getting an instant cash loan is not difficult!

If you live in London – all boroughs included – it’s much easier than you think (and certainly not impossible!) to get a quick loan.

Money troubles have a peculiar habit of inviting themselves at wrong times, and without any notice. So, from time to time, we all have to face situations that can be easily fixed with just a few hundred pounds. Medical emergencies are perhaps the commonest and arguably the most pressing among such situations, while other equally distressing examples include renting a new flat/house, house renovations, car repairs/down payments, insurance premium payments or hastily chalked out travel plans.

A payday loan that is tailored for your cash needs

We, at Very Merry Loans, get quotes from dozens of direct and responsible payday lenders – not just from London, but from all across the UK – so that you get a payday loan deal that is:

  • Cheapest – lowest interest rates.
  • Fair – from responsible lenders registered with the FCA.
  • Customised – in accordance with your payday.
  • Instant – get cash in your bank account within minutes.

Areas we serve

Very Merry Loans receives and processes applications from prospective borrowers across the UK. If you are a resident of London, Greater London or surrounding districts, you are very welcome to use our services to get a payday loan instantly. To know how, do read on.

This is how it all works

It’s all much too simple.

  • When you are absolutely certain that a payday loan can best take care of your immediate financial requirements, decide how much you want to borrow. At Very Merry Loans, you can get payday loans for up to £2,000 to be repaid over 1 to 12 months.
  • Next up, you can fill-in and submit an online form to us. Just follow the steps detailed on this page – it won’t take you longer than a few minutes.
  • As soon as we receive your application, we will take it up, review it and forward it to a handful of responsible lenders.
  • Lenders usually assess applications and make decisions within minutes. So, you should hear about the status of your application readily.
  • If a particular lenders accepts your application, you will be further directed about following procedures, including terms of agreement and full disclosure about interest rates and lender’s fees.
  • At the end of it all, you should receive the funds directly in your bank account on the same day (usually within half an hour).
Note – Very Merry Loans is an independent credit broker, and not a direct lender.

Payday loans in London – Why choose Very Merry Loans

Although you can just walk into one of many High Street loan shops in London, the best way to get a payday loan if you are a Londoner is to apply online via a free credit broker like Very Merry Loans.

By doing so, you will be:

  • Saving time, money and efforts as High Street payday loan shops often require frequent visits, carry higher interest rates and include tedious paperwork.
  • Approaching dozens of payday lenders across the UK in one go.
  • Ensuring that you get the best possible deal, customised for your needs.
  • Able to use the money right away.
  • Able to have your application reviewed at all times, as Very Merry Loans accepts payday loan applications 24 hours a day. This is much unlike high street loan shops that are never open beyond banking hours, let alone being open 24/7 or on bank holidays.
  • Able to apply and receive a payday loan within a matter of minutes, without ever leaving your home – all at no extra fee!

Payday loans at a glance

If you are a London resident, you probably are familiar with the concept of short term loans. Payday loans are essentially the same, only with slight differences.

Here’s why payday loans are preferred by millions of borrowers each year:

  • Instant availability
  • Easy application procedure
  • No hassle repayments

To put it in a nutshell, a payday loans is a small loan lent to you by a direct lender over a short term. A direct comparison with bank loans will put things in a better perspective.

Payday loans and bank loans – A comparison

  Payday loans Bank loans
Instant? Yes No
How much can you borrow? Up to £2,000 No cap
For how long? 1 to 12 months Usually over a much longer term
Interest rates Higher in comparison with bank loans/credit lines Lower in comparison with payday loans
Ease of access Much easier to get Harder to get
Available despite bad credit? Yes No (in most cases)
Require a security/collateral? No Yes
Lengthy paperwork/documentation Not necessary Necessary

Check whether you are eligible to get a payday loan

If you are interested in getting a payday loan to deal with a sudden cash-crisis, it’s a good idea to check whether you are eligible to get one before you go ahead and apply.

Here are the most important and necessary qualification criteria:

  • You must be a legal UK resident (at least 18 years of age),
  • You must have a UK bank account (debit card preferred, but not mandatory),

Here are some interesting points you would like to know:

  • You are likely to qualify to get a payday loan even if you are not employed. You just need to have a source of regular income to support you. This includes pension, benefits, investment credits, rent income, grants, aid etc.
  • Payday loans require minimal or no credit checks, meaning that you are quite likely to get a payday loan, even when you have a poor credit score.

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