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.

Loans Like 118 118 Money

Compare Loans Like 118 118 Money

Finding a competitively priced loan from a reputable lender can be tricky at the best of times, particularly when you're rushing around trying to straighten our your personal finances. Whether you're looking to consolidate some smaller existing debts, spruce up your home or just need a little extra cash to see you through, loans like 118 Money can be a big help.

As a leading UK broker, Very Merry Loans works with mainstream and independent lenders to help find you the most suitable solution for your circumstances. Apply in a matter of minutes online and you could find funds transferred directly into your bank account on the very same day.

118 Money – Tailored Loans From A Big Name Lender

118 Money offer a fantastic range of unsecured loans of between £1,000 - £5,000 which can be repaid over 12, 18 or 24 months. Unlike payday loans, these longer term repayments can help to alleviate the stresses that come with trying to pay off your balance as soon as you're paid.

As an unsecured lender, you'll never have to use assets such as your home or car to source a loan from 118 Money, plus they won't require you to have a guarantor in place to support your application.

With larger companies like 118 Money, reputation is everything which is why they'll provide you with a full breakdown of your repayment amounts, dates and interest rates before you decide whether you'd like to go ahead. The fixed interest rates are a massive plus since you'll know exactly what needs to repaid every step of the way.

Their intuitive application system means that you can apply for your new loan from a computer, smart phone or tablet whilst receiving a rapid fire decision based on your personal circumstances and creditworthiness. Rest assured that each application is treated on its individual merits, so even if you've been declined a loan elsewhere they may still be able to help.

You're welcome to apply for a 118 Money loan if you:

Are 18 years old or above

Are a permanent UK resident

Have a UK bank account and debit card

Are employed or self-employed

Have a net income of more than £700 per month

The entire application process is completed online, although they may need to give you a quick call to verify your details before a final offer is made.

What Are Unsecured Loans?

Unsecured loans are a type of borrowing option which do not require you to use your personal assets as collateral. Whilst many lenders may ask for you to use your car or even your house as security in the event that you can't repay what you've borrowed, unsecured loans are offered in good faith based on your affordability and creditworthiness.

Typically, loans of this type are repaid over months and years rather than days and weeks and are designed as a stable mid to long term borrowing solution rather than a quick short term fix. They can be used for almost any purpose with the amount borrowed, plus interest, repaid monthly by Direct Debit.

Very Merry Loans – The Best 118 Money Alternative

At Very Merry Loans, we're proud to offer an outstanding selection of loans like 118 Money that can quickly and easily help you to overcome life's financial dramas. Based on the information that you enter into our online loan matching system, we'll pair you with lenders who can offer the funds you need at highly competitive prices.

Our panel can offer loans from £100 - £2,000 and in many cases are able to transfer money directly into your bank account on the same day that you're accepted!

How Does Very Merry Loans Work?

Our entire service is offered online in three easy steps: 

  1. Tell us a little bit about yourself and your financial circumstances by completing our simple online application form.
  2. Receive a full and final decision within minutes thanks to our intuitive application system.
  3. Get funds sent straight to your UK bank account once you've accepted your credit agreement.

 Save time and money completing lengthy paperwork by using Very Merry Loans today, leaving you to focus on the things that matter most.

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.