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.

No Credit History Payday Loans

There has been a lot of press surrounding short term loans in recent years and, in particular, the interest that lenders charge. Thanks to new regulations there are caps on interest rates that mean short term loans are less expensive than they were.

As well as capped interest rates, low APR short term loans offer even better deals on short-term financing, giving you access to straightforward loans that cost less.

Low APR short term loans – the future of personal finance?

Anyone borrowing money wants to do it while paying as little as possible and this is where low APR short term loans are ideal. The short-term nature of the loan means interest payments are minimal, especially when compared to traditional bank finance where interest is charged over a period of multiple months or even years.

As the term is so short, there are no early repayment fees to worry about and – especially if you have a good credit rating – the interest rates can be surprisingly low.

Low interest, low commitment

One of the things that really phases people about borrowing money is the long-term commitment involved when you sign up with a bank or other traditional finance provider. Banks will rarely lend for less than six months and that’s a long time over which to pay interest and to have to factor monthly payments into your outgoings.

Low APR short term loans appeal to those who are looking for finance that is easy to arrange and simple to discharge.

Receive the money within a matter of hours, use it for whatever purpose you need it for, and then repay it in just a month. It’s as straightforward as that.

Simple and fast

Low APR short term loans are available quickly and that’s another reason why they have such broad appeal. If you’re facing an emergency or unforeseen circumstances that have thrown up a large bill or demand a significant payment quickly, low APR short term loans offer a simple and fast way to solve the issue.

As the application is entirely online, paperwork is kept to a minimum and there are no face-to-face meetings or phone calls with the bank. Decisions are made fast so that you can receive the money you need when you really need it.

Low APR short term loans can be used for anything but they’re particularly useful for something like covering the cost of emergency repairs or dealing with a fee that you didn’t see coming.

Low APR short term loans cost less

You need to be at least 18 years old to apply for low APR short term loans, with UK citizenship (or right of residence) and a UK bank account. There are low APR short term loans to suit almost everyone, no matter what your circumstances or what you need the cash for.

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.