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 Portsmouth


Comparing loans in Portsmouth can be a real headache, particularly if you have to go to each individual provider to find out if you can be accepted. Not only can it be time consuming, but making multiple applications over a short period of time can negatively impact your credit score.

At Very Merry Loans, we take the hassle out of comparing loans by doing the leg work on your behalf so that you can focus on getting your finances back on track. Whether you're on benefits, in full time, part time or self employment, we work with an extensive panel of lenders to suit all circumstances.

Let's take a closer look at how short term loans in Portsmouth can work for you.

How Do Short Term Loans Work?

When life throws up an unexpected financial outlay, it's not always appropriate to take out a loan that needs to be repaid for years. Short term loans are designed to help you through these temporary shortfalls by offering smaller borrowing amounts over a few weeks or months rather than years.

Simply decide how much cash you need and the term you'd like to repay it over. Remember – the longer the term, the lower your monthly repayments are likely to be.

Although every lender will use different criteria to assess the applications they receive, there are some basics that you'll need to have in place, including:

  • Being a permanent UK resident
  • Having a UK bank account with an associated debit card
  • Being at least 18 years of age

It's likely that other factors such as your credit history, residential status and loan purpose will also play a part in the final decision you receive, however we're here to help you find lenders who are most likely to say yes.

I've Been Refused Credit In The Past. Can I Still Apply?

Yes! Just because you've been refused credit elsewhere doesn't mean that all hope is lost. In fact, we work with lenders who specialise in helping those with a less than perfect credit history, including those with previous CCJs or loan defaults. Each application is assessed on a case by case basis and you'll be able to apply to lenders who you haven't tried out before.

How Do I Apply For A Loan Online?

Applying for loans in Portsmouth has never been easier thanks to the Very Merry Loans loan comparison service. Simply enter your basic personal information and we'll use this to match you with lenders who can not only offer you the funds you need but can do so at a great rate.

Once your loan has been approved, you'll receive a credit agreement detailing your total repayments and repayment dates. After this has been electronically signed and returned, funds are usually transferred directly into your bank account within 24 hours.

So what are you waiting for? Begin your journey today by completing a Very Merry Loans application form and find the perfect short term borrowing solution for your needs.

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.