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.

Payday Loans In Leeds


Find a direct lender for short term payday loans in Leeds instantly!

The UK finance industry has undergone a whirlwind overhaul in the last few decades, and you don’t have to look beyond your local banks for the confirmation.

Getting a quick cash loan to fix your monetary problems – something that was far too common not too long ago – has become nearly impossible unless you have an excellent financial history. But then again, if you do, you probably won’t need such loans – it’s a strange cycle of sorts. You can, however, get out of it by taking a payday loan to manage cash troubles.

Very Merry Loans brings a variety of loan options from a large number of payday lenders across the UK to prospective borrowers in City of Leeds (Leeds, Farsley, Garforth, Guiseley, Horsforth, Morley, Otley, Pudsey, Rothwell, Wetherby, Yeadon) and surrounding areas of West Yorkshire. Along with these, all UK residents are free and welcome to apply online for convenient, fair and fast payday loans.

Getting a payday loan in Leeds

Here’s how you can go about getting a payday loan in Leeds:

  • Visiting a High Street loan shop/private lender

This has been a popular method of getting cash advances for many Leeds residents over the years. By visiting loan shops, you can get a variety of small cash loans for flexible terms.

However, there usually take a day or two to process and require a whole lot of paperwork, plus securities in some cases.

  • Getting a payday loan online

This is, as one can easily guess, the most convenient way of securing a payday loan not only in Leeds but pretty much anywhere you live in the UK.

There are further offshoots of this method, as noted below.

  • Approaching a direct lender online

If you are sure that you want to apply to a particular lender for a payday loan, this can be your go-to option. It must be noted that by doing so, you are very likely to be limiting your options. That can often translate to not getting the best deal on your loan.

  • Applying for a payday loan via a credit broker

This is the least troublesome and most rewarding way to go if you are looking for a payday loan in Leeds.

A credit broker like Very Merry Loans helps suitable lenders get in touch with you. This has a number of distinct advantages over the other methods:

  • You can get quotes from dozens of lenders.
  • You are much more likely to find a lender who’s willing to lend to you.
  • You can get a payday loan at the cheapest interest rate.
  • You only deal with responsible lenders duly regulated by the FCA.

Choosing Very Merry Loans is an easy decision to make!

When you compare High Street loan shops with a fully-fledged free credit broker like Very Merry Loans, it’s not at all difficult to choose the better option.

Some top reasons to pick Very Merry Loans as your payday loan broker are detailed here:

  • No hassle application – Right from your home

High Street loan shops will require for you to make frequent visits just to get an application submitted. Very Merry Loans, however, accepts and processes your payday loan application online, right here.

  • Better shot at getting your application approved

Local loan shops usually provide a loan offer from only one lender. Since a single direct lender has obvious lending limitations, it’s not difficult to see why a lot of applications get turned down in such loan shops.

In contrast, Very Merry Loans helps your application reach dozens of prospective lenders working throughout the UK, allowing you a much, much better shot at getting your application approved.

  • We’re here for you 24/7

No direct lender operating through a brick-and-mortar loan shop is open for business 24 hours a day – much unlike Very Merry Loans, as we accept online payday loan applications from Leeds (and all of UK) residents 24 hours a day, including weekends.

  • No fees to apply

We broker payday loans from you for no fee whatsoever. Very Merry Loans will never charge you for accepting, processing or handling your payday loan application.

  • More about payday loan in Leeds

Traditionally, getting a cash loan in Leeds has often seen a variety of equivalents – from age-old pawn brokers to new-age car cash advances. However, all of these options require you to pledge an asset.

Payday loans, on the contrary, require no such commitment on your part. The point that are to follow here sum up what payday loans exactly are and what features they bring to you.

  • A payday loan is a small cash loan. You can think of it as a cash advance paid against your next payday. Very Merry Loans helps you get payday loans (up to £2,000) from various lenders.
  • You are required to pay back your payday loan in a termed over 1 to 12 months.
  • Payday loans are paid to you instantly. After submitting your application, you can realistically expect to receive the funds on the same day. In a large number of cases, it takes as few as 30 minutes for the whole process to complete.
  • No payday lender will ask you to pledge your car or other assets as a security or collateral for a payday loan, simply because payday loans are essentially unsecured.

To be eligible to get a payday loan, the following qualification criteria apply:

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

Payday loans and bad credit

This is a question that almost every person looking for a payday loan has to face.

It’s an open secret that a majority of people who decide to take payday loans are usually riddled with not-so-perfect money management that results into bad credit history. That’s precisely why, most payday lenders we work with are very much willing to look past the applicant’s credit score (provided that they are employed or have a regular source of income) while assessing their applications.

What this means is that:

  • You can get a payday loan in spite of a poor credit score.
  • No credit check/minimal credit check payday loans are easily available.
  • Successful and on-time repayment of a payday loan can boost your credit score.
  • Defaulting on payday loans can have a negative impact on your credit score.

Payday loans shortcomings

Although payday loans offer a viable alternative to millions of people battling bad credit and cash deficits each year, there are some shortcomings associated with them. It’s important for you to be in the know of these before you apply.

  • Merely applying for a payday loan can leave a footprint on your credit report.
  • Payday loans are more expensive than bank loans or credit union loan.
  • Payday loans are meant to provide a one-off, temporary relief from sudden cash troubles. It’s important that you don’t rely on payday loans to run your monthly budget.
  • Payday loans should never be used to cover for debts elsewhere.
  • If you find yourself in frequent money problems, it’s a good idea to seek help from a debt counselor or adviser.
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.