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.

Text Loans


It’s no secret that we all spend hours on our phones these days and you can do everything from listening to music to watching a film. Well now, thanks to text loans, you can get finance via your phone too. Text loans are a really simple and straight forward way to apply for short-term finance in amounts ranging from £100 to £2,000. The application process is all online and you can find out whether your application has been successful even while you’re on the move.

Applying for text loans

Text loans are available to anyone who is over the age of 18 and a UK citizen, or has the legal right to reside in the UK. You’ll need a UK bank account for text loans as the money is transferred electronically and the repayment(s) will need to be set up to come out of the same account. As it’s important to make sure that the loan you’re applying for is affordable for you, having an income is also one of the requirements for text loans. This could be employment income or payments from benefits.

How can text loans help you?

Text loans are popular because they are simple to apply for and because there are lots of reasons why they are a great support for personal finances:

Fast finance.The whole process of applying for text loans is electronic, which also makes it fast. You don’t need to have a face-to-face with someone in a bank and you can avoid spending hours filling out paperwork. Instead, it’s just a simple online application and bank transfer.

Help in an emergency. There are all sorts of reasons why personal finances suddenly come under pressure, from car repairs to pet medical costs and unexpectedly large energy bill. Text loans are fast, ideal for situations where you need to be able to make a payment quickly and just don’t have the time to wait for a bank loan to be processed.

Positive approval rates. If you don’t have a great credit score then you might struggle to get a bank loan but text loans tend to be for smaller amounts, borrowed for a shorter length of time, and this results in higher approval rates. If you have serious issues with your credit history then you might also be able to arrange a loan with the help of a guarantor – another option for bad credit situations.

Data security. Your personal data is secure with text loans as lenders are legally required to ensure it is kept private. This helps to reduce concerns about your information being stolen or used elsewhere.

Flexible borrowing. You can borrow from £100 to £2,000 with text loans, depending on your needs and your circumstances. Interest rates vary from lender to lender but text loans are often cheaper than longer-term loans as you’re only charged interest over a short space of time. Once you’ve arranged your loan then it’s transferred direct to your bank account with a repayment schedule that works for you.

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.