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Welcome to VeryMerryLoans.com, we can help you borrow £100 - £2,000 from 1 - 6 months.

Loans for 1 - 6 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: 305.9%

Repayment By: 5.1.2016

Interest: £58.68


Total Repayment: £1058.68

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Minimum Loan Length is 1 month. Maximum Loan Length is 6 months. Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £559.68 in 3 monthly instalments of £186.56. Interest charged is £159.68, interest rate 161.9% (variable). We are a free licensed credit broker, not a lender.

No Credit Check Payday Loans


Borrowing money can be really tough if you don’t have a perfect credit record but, let’s face it, so many of us can’t boast an ideal credit score now that there has to be an alternative.

Traditional lenders might base their decisions on your credit score and refuse even a small loan if you don’t have the right figures. However, with no credit check payday loans there’s no need for your credit score to be an obstacle.

How do no credit check payday loans work?

Borrowing no credit check payday loans is as simple as any other type of payday loan, except without the credit scoring worries. You need to be at least 18 years old to borrow and you must be either a UK citizen or a UK legal resident. You’ll need a bank account too, so that the loan can be paid into it and the repayment set up to come out of the account.

Is there really no credit check?

Some lenders are willing to offer loans without a credit check but this is not considered responsible lending and may be legally questionable.

This is particularly so given the guidance from the UK regulator, the Financial Conduct Authority, which states that lenders need to make sure their loans are affordable for individual borrowers.

So, lenders can look at your credit history but may still be willing to lend, even if you have a few issues.

Payday loans borrowed for small amounts over shorter periods of time hold much less risk for lenders – they are lending money against your next payday, which is why a credit score may not have much influence for a short-term loan.

Will I pay more?

There are not normally any additional fees or charges to pay if you want to borrow no credit check payday loans, as opposed to a regular payday loan.

The interest that you pay will vary from lender to lender so it’s a good idea to shop around and make sure you’re getting the best deal that you can. When it comes to paying for your loan, you just need to make one payment when you repay the loan – this will also include the interest due on your no credit check payday loan.

Just like any other payday loans, this is normally paid around a month from the date you borrow the money.

What are the advantages of no credit check payday loans?

The major advantage of this type of payday loan is that you can borrow money without having a perfect credit score.

You may even be able to improve your credit score by borrowing and then repaying the cash on time. No credit check payday loans are fast and easy to arrange with the cash paid into your bank account so that you can access it straight away.

You can use the money for anything, from paying off a large and unexpected household bill to covering the cost of unforeseen car repairs – no credit check payday loans are flexible, simple and fast.

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.