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

Apply Now Apply Now
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.

Quick Loans

Quick loans often get bracketed in the same space as payday loans. However it's important to understand that payday loans are just one of a number of different types of instant loan. This guide is designed to help you understand exactly how they work so that you can be make an informed, educated decision on their suitability for your personal needs.

What Are Quick Loans?

Quick loans come in a variety of different forms, from short term payday loans to long term financial solutions. However, they all have one key element in common – the ability for applications to be underwritten and funds to be issued exceptionally quickly.

How Do Quick Loans Work?

Unlike more complex loans such as mortgages and business finance, quick loans use a simple set of assessment criteria to ensure that they can be underwritten and accepted in minutes and hours rather than days and weeks. Once accepted, you'll be sent a transparent, easy to understand credit agreement that explains the dates and amounts of your monthly repayments. Once you've accepted the terms of this agreement, your chosen lender will arrange for the funds to be transferred directly to your bank account as quickly as possible.

Who Can Apply?

Quick loans are available to permanent UK residents aged 18 and above. You must have a UK bank account in order to apply for our instant loans so that funds can be transferred to you as soon as you are accepted. Our lenders will also need to carry out a credit and affordability check on your circumstances, so you'll need to provide us with some basic personal information such as your full name, address and date of birth.

Why Do People Like Payday Loans?


Our fantastic panel of lenders are able to issue quick loans UK wide without needing to take you through a long winded application process. Simply calculate your loan and repayment amounts using our easy online tool and hit apply. If accepted, funds could even be sent to your account on the very same day.

Safe And Reliable

All of our lenders are regulated by the Financial Conduct Authority so you can rest assured that all of your personal information will be treated with the strictest confidentiality.

Bad Credit? No Problem!

If you've struggled to find fast loans elsewhere then consider taking a look at our lenders' quick bad credit loans. Our panel will assess each application on an individual basis and will not base their decision solely on your credit score. They'll take into account your entire financial situation including your employment status, earnings and the ability to repay the loan that you've applied for.

Multi-Purpose Finance

From our instant decision fast loans to quick bad credit loans, you can use your newly sourced funds for almost any purpose. Whether a unexpected home emergency has cropped up or you simply need some extra cash to see you through the month, you're free to do as you wish with your money as soon as it has been transferred into your bank account.

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.