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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

Representitive APR: 277.6%

Repayment By: 5.1.2016

Interest: £58.68


Total Repayment: £1058.68

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Minimum Loan Length is 3 months. Maximum Loan Length is 12 months. Borrow £850 Over 11 Months. Monthly Repayment £146.30. Total Amount Repayable Of £1,609.25. Interest: £759.25. Interest Rate: 150% Pa (Fixed). 277.6% APR Representative. We are a free licensed credit broker, not a lender.

Payday Loans In Liverpool


Liverpool payday loans – Customised for your cash needs

We all have been there at one point in time or another.

Emergency expenses arise, difficult situations need to be handled and sudden crises have to be managed – but the going gets a little too tough when you are running out of cash or credit and your next payday is still a few weeks away.

If you find yourself in such a crunch that even a few hundred pounds can help you get back on track, getting a payday loan can be a good option for you. Very Merry Loans brings one and all payday loan packages from reputed, responsible lenders across the country to all working adult residents of Liverpool and around.

Residents from all around the UK are welcome to apply for an instant cash loan at Very Merry Loans. This includes residents from Liverpool itself, Liverpool City Council Districts, all of Merseyside County and North West England.

These payday loans typically go from £100 to £2,000 and are to be paid back on a term of 1 to 12 months.

Please note that Very Merry Loans is an FCA registered credit broker, and not a direct lender.

Here’s how you can get a payday loan in Liverpool

You can get a payday loan in Liverpool in a number of ways. While there are dozens of money shops and credit lenders to be found along the High Street, it’s much more convenient to apply online for a payday loan.

We, at Very Merry Loans, do our best to help you find the correct lender who caters to your cash needs at the cheapest APRs (interest rates). The typical procedure that you have to follow to get a payday loan is as follows:

  • Read carefully and submit to us the common application form that can be found here. Worry not – it won’t take more than a few minutes. Your information will be stored securely and dealt with responsibly.
  • Once we receive your application, we send it over to responsible payday lenders who are most likely to accept it. If you are eligible to get a payday loan based on the criteria mentioned earlier, you are more than likely to find a lender within minutes.
  • Interested lenders present to you the detailed terms of agreement that outline how much you will be charged in terms of various fees and interest. Once everything is set straight, you can go ahead and finalize the agreement.
  • Concerned lender will readily transfer the funds to your bank account on the very day, often within half an hour from accepting your application.

Local loan shops & Very Merry Loans – An objective comparison

There’s no denying that High Street loan shops and local lenders, for years, have helped out working class UK residents by extending small loans. However, in this day and age, they have lost a bit of relevance, largely because of the rise of free credit brokers like Very Merry Loans.

But how do these lenders compare to a leading credit broker like Very Merry Loans?

Let’s find out!

  • Level of regulation

A large number of local loan shops not only in Liverpool but also around the UK still operate outside of financial regulations set up by various authorities, most prominently the FCA.

Very Merry Loans, however, is a fully regulated and licensed credit broker, meaning that it follows all laws and regulations put in place by the FCA and other relevant institutions to safeguard the interests of borrowers.

  • Fair offers

A local lender can offer you no more than a single offer with a fixed interest rate and other fees. If you apply for a payday loan here at Very Merry Loans, however, you can get quotes from dozens of responsible lenders who offer their cheapest interest rates to you, thus allowing a fair opportunity at choosing the best of the lot.

  • Higher approval percentage

It shouldn’t be too difficult to realise that approaching a direct lender can only get you a single offer, and same goes with local payday loan shops or money shops.

It’s much the opposite in case of a reliable credit broker like Very Merry Loans. By applying just once, you can get multiple offers from dozens of interested lenders. This obviously improves the probability of your application getting approved.

  • Service hours

Local loan shops will never so much as entertain your loan application – let alone accepting it. At Very Merry Loans, we have solved this issue once and for all. We’re open to not only accepting but also processing your applications 24/7.

In short, all the 24 hours of any given day are our service hours.

  • Processing fees

Without exception, every loan shop will charge you an additional fee for lending or brokering the loan to you.

Very Merry Loans, much to the contrary of this practice, charges you nothing whatsoever for receiving and processing your application. Yes – our loan brokerage services are absolutely free – no hidden fees, no additional costs for you to bear.

  • Convenience

Very Merry Loans allows Liverpool residents to apply for a payday loan online right away – without having to drive down to the money shop or wasting time and energy in negotiating with the local lender.

Liverpool payday loans – Benefits

  • Instant cash

Payday loan applications received by us here at Very Merry Loans are processed instantly. Approved applicants receive the cash in their bank account within minutes.

  • Bad credit doesn’t disqualify you

As payday loans are approved against your next payday, lenders find it easy to approve applications – even when the applicant has a poor credit score!

  • Easy repayments

By setting up Continuous Payment Authority (CPA), you can easily pay the loan back, come your next payday.

  • Little to no paperwork is involved

Unlike typical bank loans, payday loans require minimal paperwork. Most of the documents required can be sent to the lenders electronically.

Are you eligible to get a payday loan in Liverpool?

Typically, most adult and working UK residents find it easy to qualify to receive a payday loan. The fine points of these eligibility criteria are detailed below:

  • Are you a UK resident?

All legal UK residents – including immigrants with adequate work/education visa – can apply for a payday loan at Very Merry Loans. Unfortunately, we do not process applications from visitors to the UK who carry a short term tourist visa.

In addition, you also need to be at least 18 years of age to apply.

  • Do you have a UK bank account?

You must have a valid UK bank account to be eligible for a payday loan. This includes savings as well as checking accounts in any UK bank. Offshore or business accounts do not qualify as valid personal accounts.

A word of caution

Payday loans are more expensive than corresponding bank loans or lines of credit. You should choose to get a payday loan only when there are no cheaper alternatives available to you, and when you are certain that your next paycheque will help you settle the loan duly.

To get a generic idea of how much interest payday lenders typically charge, you can try out the interest calculator available on our website.

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.