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 Southampton


Finding loans in Southampton can be tricky business, particularly when it comes to comparing the benefits of each individual lender one by one. At Very Merry Loans, we aim to take the stress out of loan comparisons by bringing an extensive panel of lenders all under one roof so you can quickly and easily find a great deal for your circumstances.

Whether you've an unexpected bill that's dropped the door, a car that needs repairs or simply some extra cash to tide you over until payday, we can help. Remember – just because you've been refused for a loan elsewhere doesn't mean that everyone else will refuse you too.

Let's take a look at some of the factors that can impact your Southampton loan application along with steps that you can take to improve your chances of acceptance.

Will My Employment Status Affect My Loan Application?

Your employment status is just one of the many factors lenders take into consideration when assessing a loan application. They'll want to make sure that any loan you take out is affordable whilst also ensuring that you won't fall into financial hardship whilst trying to make repayments.

One of the biggest indicators of this is whether an individual is employed full time, part time, self employed, unemployed or on benefits. Just because you fall into one of these categories does not automatically mean that you will or won't be accepted for a loan, but it does help to provide an indication.

We work with lenders who specialise in helping those who have struggled to get finance due to their working hours. We have even managed to help those on benefits who need a short term financial stop gap. No matter what your employment status, you'll need to fulfil some basic criteria at the very least to be considered, including:

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

Simply enter this information into your initial application form and we'll work to match you with lenders who are best suited to your circumstances.

How Can I Apply For A Loan?

Unlike traditional borrowing from banks and building societies which required face to face meetings, reams of paperwork and weeks of underwriting, Very Merry Loans works with lenders who operate almost entirely online.

Simply complete our easy online application form for a personalised loan comparison before choosing a lender who you feel best matches your circumstances. You'll then need to provide a few extra details to receive an instant online decision with funds, in most cases, transferred to your bank account on the very same day that you're accepted.

A detailed credit agreement will need to signed and returned electronically. It's well worth keeping this document as it will detail the exact amounts and dates of your repayments.

So what are you waiting for? Start your journey to a brand new loan today by receiving a Very Merry Loans comparison and the funds could be with you inside 24 hours!

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.