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 Manchester


Looking for a payday loan in Manchester?

Well, you are not alone!

If you are a Manchester or Greater Manchester resident, getting a payday loan can be as easy as submitting an online form. A duly submitted form will help you get that small cash boost you need instantly – no paperwork, no collateral, no pledge!

On this page, you can get to know what Manchester payday loans really have to offer and how you can benefit from them if you find yourself in need for one. But before that, a brief background about payday loans can be quite useful for the uninitiated.

All you need to know about payday loans

Even though payday loans are quite popular in the UK, the fact remains that many people routinely find themselves not knowing how they actually work. If you are one of them, all the basic information you need to know about payday loans can be found right here.

A ‘payday loan’ is an easily accessible, small cash loan that needs to be repaid on or before your next payday.

So, in essence, a payday loan is granted to you against the assurance that you will be able to pay it back as soon as your payday arrives, even when you have bad credit to your name.

At Very Merry Loans, Manchester residents can easily apply for and receive payday loans up to £2,000 for a flexible period of 1 to 12 months.

Learn when you need a payday loan and when you don’t!

Payday loans are easy to apply for and even easier to get – but it’s important for you to make sure that you truly need one.

People who have to deal with cash shortages typically choose to apply for a payday loan. Many common place situations can be responsible for this – from sudden medical emergencies to car repairs and from home renovations to unplanned vacations.

Here’s when you should think of applying for a payday loan:

  • When you need a bit of cash very urgently.
  • When you are confident that you will be able to pay the loan back, come your next payday.
  • When there are no easier alternatives available (borrowing from friends or family, getting a bank overdraft etc.).

On the other hand, you may be better off not getting a payday loan if:

  • You can withdraw cash against your credit.
  • You have credit union facilities accessible.
  • The requirement of money is not absolutely pressing.

Payday loan eligibility

Payday loans are driven by private lenders who usually have a broad selection criteria for approving payday loan applications.

As long as you are an adult (minimum 18 years of age) legal UK resident with a UK bank account, you are quite eligible to receive a payday loan from a responsible lender through Very Merry Loans.

Payday loans interest rates

When compared with bank or credit union loans, payday loans are expensive, as they carry higher interest rates.

However, you must note that payday loans are small sized and short term, and hence much easier to pay back if you are assured of a sufficiently healthy monthly income.

Get quotes from responsible, direct lenders across the UK

If you apply for a payday loan here at Very Merry Loans, we will assess your application and forward it to direct, responsible lenders who can provide the best interest rates. Our network of responsible lenders spans the entire UK, and hence, the lender who accepts your application may not necessarily be a local Manchester lender, allowing you a chance to lend from a very large pool of prospective lenders.

It’s also important to know that even if your application is accepted by a lender who is not based in Manchester, it will still be processed instantly, as the funds are transferred to your bank account electronically.

Please note that Very Merry Loans is not a direct lender, but an independent credit broker.

Payday loans for Manchester residents

All residents from Manchester and Greater Manchester areas – including Bolton, Bury, Rochdale, Oldham, Stockport, Salford, Wigan, Trafford, Tameside – can easily apply for a payday loan online right here at the website of Very Merry Loans.

High Street payday loans vs. online payday loans

If you are a Manchester resident, you can simply choose to walk into any High Street lender’s shop to get just the sort of payday loan you need. But keep this in mind – High Street payday loans are not without their disadvantages.

Applying for a payday loan online works in your favour!

Even though Manchester and Greater Manchester areas offer a wide variety of High Street loan shops for prospective borrowers, it makes perfect sense to apply for the same online. Here’s why:

  • High Street shops usually have very low approval percentage.
  • By applying through a free credit broker like Very Merry Loans, you make sure that your payday loan application reaches lenders who are most likely to accept it.
  • By applying online, you can save on a whole lot of paperwork.
  • Unlike High Street loan shops, online lenders transfer the funds to your bank account instantly – on the same day, usually within minutes.
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.