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.

Wonga Loans

Compare Wonga Loans and Find the Best Wonga Alternatives

When you need cash fast, loans like Wonga are a great solution. Not only is your loan processed quickly and fully online, but they offer small loan amounts and short term repayment periods, which is difficult to find through a traditional lender.

Loans like Wonga are offered through Very Merry Loans. We are a broker that partners with dozens of different lenders to provide you with an array of options. Simply apply through us, and we will pair you with a loan that fits like a glove.

Don’t waste your time waiting in lines and shopping around loan companies. Apply with us online today, and you could have your money by the end of the day.

Wonga Loans – One of the Most Trusted Online Lenders in the UK

Wonga offers convenient short term loans in small amounts. Loans like Wonga are the perfect solution for one-time, unexpected expenses when you find yourself in need of some extra quick cash.

Unlike other loan companies, which can take days to process your loan application, your application with Wonga loans is processed in minutes. The money will appear in your account quickly as well, although exact timing depends on your bank.

Wonga loans offers small loans, usually ranging from £50-£1,000. They are also short-term payday loans, meaning that they are typically repaid within 1-30 days, or by your next payday.

It is possible to get a Wonga loan even if you have bad credit, although Wonga loans are not guaranteed. You will only be approved for a loan if we believe you’ll be able to pay it back. This can be based on your credit or your monthly earnings.

If you make late payments on your loan, it’s important to remember that this can affect your credit. Likewise, if you are unable to repay your loan, this will affect your credit negatively. You’ll want to call your lender immediately to work out a new repayment plan.

In order to apply for a Wonga loan, you must:

  • Be over 18 years old
  • Own a bank account and debit card
  • Own a mobile phone
  • Live in the UK

Applying for these loans requires no paperwork or phone calls. You simply fill out a simple application form online and receive a decision within minutes.

Wonga offers two types of loans: Short Term Loans (or payday loans) and Flexi Loans.

What is a Short Term Loan?

Short term loans are small loans (£100-£1,000) that are repaid over a short period of time (usually 1-30 days). They are meant to cover sudden, unexpected expenses, particularly when cash is needed fast.

These loans are repaid in a single payment period. This is different from instalment loans, which are paid in monthly instalments over a long period of time. You set the date on which you’d like to repay the loan, but it’s usually within a month of receiving your funds.

It’s important to know that new customers at Wonga can only borrow up to £400, whereas existing customers can borrow up to £1,000.

You choose your repayment date, and the repayment funds are automatically withdrawn from your account on that date. You’re also able to repay the short-term loan early and save money on daily interest payments.

What is a Flexi Loan?

Wonga also offers Flexi Loans, which are small loans with repayments spread out over the course of 3 months rather than one.

These are a good option if you need a larger amount of cash that you are unable to repay within 30 days. Instead, you’ll repay that loan in instalments that are more affordable.

Flexi Loans are offered from £50 to £1,500. New customers may only borrow up to £500, whereas existing customers can borrow up to £1,500.

You set your own repayment dates, and repayments are withdrawn automatically on those days. You can pay on the same day every month, pay on the last Friday of every month, or pay on the last working day of every month. If you’d like to repay your loan early to avoid additional interest charges, that is a possibility as well.

Very Merry Loans – The Best Wonga Alternative

Here at Very Merry Loans, we offer loans like Wonga from a wide variety of lenders. We are a loan broker, and we connect you with loans that meet your needs free of charge. Because we work with many different lenders, we’re able to find you the best deals on the market.

You don’t need to have perfect credit – in fact, you don’t need to have any credit at all. We can give out loans to people with bad credit or no credit, because we can loan to you against your earning potential.

We offer both short term payday loans and instalment loans, so whatever your needs, we probably have a loan that’s right for you.

Our payday loans are paid back over the course of 1 to 12 months and are offered in small amounts. They are small loans, often ranging from £100-£2,000.

How does Very Merry Loans work?

Our application process is simple and fast, and you could have your money in hand as soon as today. Simply follow our 3-step process:

  1. Fill out our brief application form. Everything is done online.
  2. Receive a decision within minutes. We work behind the scenes reviewing your application and pairing you with one of our lenders.
  3. Get your cash instantly. If you are approved for a loan, you will receive cash in your bank account almost instantly.

No paperwork, no appointments, and no waiting for checks in the mail. Just simple, fast cash when you need it 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.