Welcome to VeryMerryLoans.com, we can help you borrow £100 - £2,000 from 3 - 12 months.

Loans for 3 - 12 months.

Short, simple and fast application process.

Decisions in minutes.

How much you need today?

When can you repay this loan?

1 Months

Borrowing: £1000

Representative APR: 1192%

Repayment By: 5.1.2016

Interest: £58.68


Total Repayment: £1058.68

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Rates from 35.9% APR to max 1304% APR. Minimum Loan Length is 3 months. Maximum Loan Length is 12 months. Representative Example: £250 borrowed for 3 months. Total amount repayable is £411.63 in 3 monthly instalments of £137.21. Interest charged is £161.63, annual interest rate of 292% (fixed). Representative 1192% APR (variable). We are a free licensed credit broker, not a lender.

£100 Loans


Small loans for urgent cash needs – Get £100 & upwards instantly

Money matters – there need to be no two ways about it!

It’s not always that things go according to the plan. Unexpected emergencies or cash shortages leave you in the lurch, looking for ways to get instant cash relief.

Just consider the following scenarios:

  • Last minute travel plans.
  • Unforeseen house renovations.
  • Buying expensive electronics.
  • Car repairs.
  • Hospital bills.
  • Special occasions.

These are all commonplace situations that all of us are vulnerable to. But just one of these or similar to these situations can completely disturb your monthly budget and that’s when a loan as small as £100 can be a great relief.

Very Merry Loans helps you get such small loans by connecting you with interested direct lenders so that you get your hands on the money instantly.

It’s all too easy!

Getting a 100 pound loan (and onwards) is not really as difficult as you would think. If you are wondering how to go about it, the following information will be good help.

Eligibility for small cash loans.

To get small loans, it doesn’t take a lot to be eligible.

As long as you are an adult, UK resident, you are more than likely to find suitable lenders via Very Merry Loans.

What you must ensure, in addition to above mentioned criteria, is that:

  • You have a valid, personal UK bank account.
  • You have a working phone and email (for communication purposes).

A single, one-off application

If you walk into any money shop or local payday lender’s office, you will be required to submit a variety of applications – not to mention a good deal of paperwork.

At Very Merry Loans, we’ve moved this burden off your head. It will only take a few minutes for you to submit a one-off application along with electronic copies of KYC documents (whenever asked for by the lender).

To apply online click here.

Waiting for the lender’s decision

Your application is forwarded on your behalf to prospective direct lenders.

Very Merry Loans ensures that we only contact direct lenders who:

  • Are responsible and FCA licensed.
  • Can offer a competitive quote with low interest rates.
  • Are likely to accept your application.

Lenders usually take no longer than ten minutes to make their decision based on their internal checks and procedures. So, within minutes, you will get to know the status of your small loan application.

Transfer of money to your bank account

If two or more lenders accept your application, it will be up to you to choose the offer that you think is the best of the lot. Upon doing this, you will be presented by the lender with all the loan terms. Make sure that you read these terms carefully and are clear about all the costs involved.

Once the agreement is put in place, money will be transferred to your account on the same day. For ‘Faster Payments’ enabled bank accounts, this happens within half an hour from reaching the agreement.

Top reasons to choose Very Merry Loans as your loan broker:

  • Very Merry Loans is a responsible, reputed and FCA registered credit broker.
  • Our brokering services are absolutely free – you will never be charged for using any of Very Merry Loans services.
  • We operate 24 hours a day. So, even if you decide to apply beyond bank hours, your application will be instantly processed.
  • We do not offer you quotes from unlicensed lenders.
  • Payday loans we help you secure range from instant 100 pound loans to 2,000 pound loans, to be repaid over 1 to 12 months.

Payday loans – Important facts

Payday loans are widely inclusive. This means that you will be able to get one more often than not. Contrary to popular belief, payday loans are available to:

  • Pensioners and retirees.
  • Professionals.
  • Single parents.
  • Immigrants.
  • People on benefits.
  • People on bad credit.
  • Payday loans are expensive. If you fail to pay back your payday loan, it’s important to be aware that the interest amount can accrue quite rapidly. However, there are certain provisions to safeguard the interest of borrowers:
  • You won’t ever have to repay more than twice of the amount you have borrowed.
  • Lenders are not permitted to extract money via partial CPA (Continuous Payment Authority).
  • There are reasonable upper caps decided by the FCA for various fees charged by lenders.
  • No credit check payday loans usually involve minimal credit checks that do not leave any trace of loan inquiry on your credit report. However, it must be noted that once you accept a loan agreement, the loan activity will be duly noted on your credit report.

This has two implications:

  1. Paying the loan back on time improves your repayment track record, and thereby your credit score.
  2. If you fail to repay the loan on time, your credit score might be negatively affected.
Very Merry Example

Loan Amount: £300
Loan Term: 3 months
Interest: £193.96
Total Repayable: £493.96 Apply

Representative APR: 1192%. (variable)
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.