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 Guarantor Loans

Guarantor-less loans make it easy for people all over the UK to access short-term borrowing, even if you don’t have a perfect credit score. Borrowing unsecured, no guarantor payday loans is easy to do as long as you’re at least 18 years old and a UK citizen or legal resident with a UK bank account.

What are no guarantor loans?

In many ways, guarantor lending is the oldest type of lending. It works on the principle that, even if you don’t have the financial muscle to convince a lender right now, you might have a trusted friend or family member who does and who is willing to stand as your guarantor.

Guarantor loans are used for all sorts of reasons, as there are so many people in the UK – and beyond – who need a little support when it comes to finances. But not everyone has a person like that in their surroundings, or the circumstances are so dire that there is simply no time to get in contact with a trusted person who could be your guarantor.

This is where gurantor-less or no guarantor lending comes into play. Very Merry Loans is your segue into the world of borrowing where no guarantors are needed at all.

Are no guarantor lenders different to payday lenders?

Mostly, no. You can find no guarantor lenders via your own research or you can use a broker to help you do it.

Applying for no guarantor loans is very similar to any other type of loan, and actually by not being constrained by a guarantor and their ability to back you up, you can borrow as much as you need and repay whenever you want.

No guarantor lenders will, however, charge slightly higher interest rates as for them, the risk of unrepaid loan is higher because they have no guarantee that a borrower will repay their loan, contrary to guarantor loans where such a guarantee exists in written form and is created by the guarantor.

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.