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

Representitive APR: 277.6%

Repayment By: 5.1.2016

Interest: £58.68


Total Repayment: £1058.68

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Minimum Loan Length is 3 months. Maximum Loan Length is 12 months. Borrow £850 Over 11 Months. Monthly Repayment £146.30. Total Amount Repayable Of £1,609.25. Interest: £759.25. Interest Rate: 150% Pa (Fixed). 277.6% APR Representative. We are a free licensed credit broker, not a lender.

How Your Credit Report Can Help You!


With so many emergency loans available on the UK market, working out which one is best for your circumstances can be incredibly stressful, particularly when time is of the essence.

Using a brokerage such as Very Merry Loans can help to ease the burden, allowing you to quickly and easily compare emergency loans from the UK's leading mainstream and independent lenders.

Take a look below at our handy guide to emergency loans and find out what financial assistance is available to help you quickly get back on your feet.

What Are Emergency Loans?

Emergency loans are designed with speed at their core, offering customers rapid access to cash when it's needed most. From a broken down car or damaged laptop to burst water pipes and property damage, these unforeseen circumstances can have a sudden and significant impact on our day to day lives if they aren't addressed immediately.

Unfortunately, the funds aren't always readily available to remedy these moments of crisis, which is why emergency loans have become such a valuable resource for individuals and families to draw upon.

How Do Emergency Loans Work?

Emergency loans are a short term borrowing solution which can be used to help tackle a wide variety of unexpected issues. They typically involve borrowers taking on smaller forms of credit with a view to repaying the outstanding balance in weeks or months rather than years.

The first step is to decide exactly how much you're going to need and what you can comfortably afford to repay. This will help you to work out a reasonable budget and the length of time that you're likely to need the funds for.

They are almost exclusively issued on an unsecured basis meaning that you won't need to use any of your personal assets as collateral, whilst allowing lenders to provide a lightning fast underwriting decision and transfer of funds.

Once approved, you'll receive a full and transparent breakdown of your credit agreement which can be digitally signed online. This will provide full details of your repayment schedule, ensuring that you're never caught out by late payments or hidden charges.

Cash can then be sent directly to your bank account in as little as an hour, giving you the peace of mind that you'll be able to overcome life's little emergencies as and when they arise.

Who Are They Suitable For?

Emergency loans can provide an excellent, cost effective financial platform to help you navigate your way through the unexpected. They are ideal for anyone who is faced with a sudden need for cash due to an accident, injury or other unforeseen outgoing.

As an unsecured lending option, they can be underwritten instantly online and are perfect for those who don't wish to waste time filling out lengthy application forms or attending face to face appointments at their bank or building society.

Have you been refused a loan elsewhere? The good news is that there's still an excellent chance that we can help. Very Merry Loans works with a panel of lenders who have a proven track record of providing emergency loans with bad credit taken into consideration. Although it's fairly uncommon for lenders to offer emergency loans with no checks, each application is judged on its own merits, focusing on your ability to repay the balance rather than basing a decision solely on your borrowing history.

Example Case Study

John works as a self-employed writer and cannot do his job without the use of his laptop. After an unfortunate incident involving his morning mug of coffee and keyboard, he's unable to work and won't be able to pay for the necessary repairs until the end of the month when his invoices are paid.

Rather than losing out on hundreds of pounds of earnings, John applies for an emergency loan and the funds are made available to him by the afternoon with a single, easy to manage repayment due in a month's time. He's able to get his laptop repaired the very same day, saving him from a significant dip in earnings and damaging his professional reputation.

What Is The Basic Qualifying Criteria For An Emergency Loan?

Before anything else, you must be at least 18 years of age to apply for credit in the UK. You'll also need to be a permanent UK resident as well as having having an active bank account in your name so that lenders can transfer your funds as well as setting up a convenient Direct Debit for hassle free repayments.

You'll need to have the means to repay your loan in a timely fashion, so ensure that you have details to hand regarding your earnings. In some cases, your chosen lender may need to contact you by telephone to confirm details from your application, so it's worth making sure that you're contactable for a brief period after submitting your initial form.

What Else Do I Need To Know?

The major advantage of emergency loans is the speed with which they can be applied for and approved, but this does mean that the lender is taking on a higher risk as a result. You may find that these loans come with a slightly higher rate of interest than their traditional counterparts, however their short term nature will always help to ensure that borrowing costs are kept to a minimum.

It's important to pay careful attention to the repayment schedule as set out in your credit agreement as failure to repay your loan on time could have an adverse affect on your credit score as well as leading to unnecessary charges. If you come into any problems when it comes to repaying your loan then simply contact your lender straight away and find out what assistance is available. They may be able to freeze interest and charges on your account, or temporarily suspend repayments whilst you get back on your feet.

So what are you waiting for? Pick up a great deal on an emergency loan today with Very Merry Loans by submitting your initial application form in just a few short minutes. Our intuitive loan comparison platform will match your circumstances with specialist lenders who can not only provide the funds you urgently need, but can do so quickly and with a minimum of fuss.

Very Merry Example

Loan Amount: £500
Loan Term: 3 months
Interest: £202.40
Total Repayable: £702.40 Apply

Representative APR: 305.9%. (variable)
Warning: Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.