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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.

Short Term Loans


Instant short term loans from the best UK lenders

Getting a loan is a decision that always poses a number of questions, hesitations and apprehensions – especially if it’s a large loan.

But more often than not, little needs need to be taken care of on a priority bases, and for such needs, short term loans can be just about perfect.

Very Merry Loans, being a reputed, registered and responsible credit broker in the UK, is committed to helping you get short term loans from direct lenders who operate throughout the UK.

Applying for a short term loan

It wasn’t too long ago that a borrower would be required to personally visit a local lender or payday loan shops just to know about what’s on offer. For application and approval, it would take few more visits, unending presentment of documents and embarrassing negotiation sessions that never worked.

Going ahead, they would be required to deposit the loan cheque into their bank account, and it would easily take 4 days to a whole wide week to access the cash.

However, Very Merry Loans has more than simplified the whole deal for you.

The following points summarize the procedure to apply for a short term loan here at Very Merry Loans:

  • Know how much you are going to need
  • The very first step on your part should be to decide on how much you are going to need to borrow.

  • Get to know what payday loans are
  • Short term loans we help you get, are usually lent by payday lenders. So, it’s a good idea to head to our dedicated FAQ's page to find answers to all of your questions. In case you have queries that are not listed on the FAQ's page, do feel free to contact us.

  • Apply online
  • The next and perhaps the most important (but arguably the easiest) step is to apply online. Instead of submitting a separate application to each lender over and over again, you can simply submit your short term loan application to us here.

    Once we receive your application, it will be forwarded to our network of responsible and direct lenders who are likely to accept it.

  • Receive quotes from lenders instantly
  • Within a couple of minutes or thereabouts, you will receive quotes from one or more lenders who are interested in lending to you. You can compare these offers based on lender policies, interest rates and other loan terms and pick the one that suits your requirements the best.

  • Access money on the same day
  • Once you get into a loan agreement with a particular lender, money will be transferred immediately to your bank account by the lender.

    The transfer of money is carried out on the same day. In most cases, it is nearly instant, allowing you to use the money within half an hour of submitting your application.

Why choose Very Merry Loans

  • Very Merry Loans has a longstanding track record of helping borrowers find suitable lenders for short term loans.
  • Very Merry Loans is a well-regulated and FCA licensed credit broker.
  • Owing to our large network of responsible lenders, we can boast of very high loan approval rate.
  • We accept short term loan applications 24 hours a day – even on bank holidays.
  • All loan brokerage services offered by Very Merry Loans are free of cost.
  • Our services are streamlined, customer-friendly and devoid of convoluted strategies.

Understanding what short terms loans are

There are quite a few confusing concepts floating out there regarding loan products. So, if you are thinking of getting a short term loan, it becomes important to understand the kind of loan you will be getting.

A short term loan is a small loan that is to be paid back over a term that is much shorter than any conventional loan/credit term.

While there are no regulatory distinctions regarding how much you can borrow as a short term loan and how long a ‘short term’ can be, it is fair to classify loans that are:

  • Termed over 1 to 12 months.
  • Sized from £100 to £2,000.

That said, it must be made clear here that the short term loans that we, here at Very Merry Loans, allow you to access via direct lenders are:

  • Termed over 1 to 12 months.
  • Sized from £100 to £2,000.

So, if you require an instant small loan (from £100 to £2,000) and you are confident that you can repay, Very Merry Loans can help you find suitable lenders without much trouble.

Short term loans – Are you eligible to get one?

It’s fairly easy to be eligible to get a short term loan if you fulfil the following criteria:

  • You are at least 18 years of age.
  • You are a legal UK resident.
  • You have a UK bank account.

Short term loans – Benefits

  • The most prominent benefit of short term loans is that they are very easy to get.
  • Instant availability and simplified application processes are also quite borrower-friendly.
  • A number of lenders in our network offer bad credit short term loans. These are available to borrowers who are on bad credit (poor credit score), as these involve no credit checks or, at the most, soft credit checks.
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.