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 Sunderland


No matter how hard we try to prepare for the unexpected, there will always be financial bumps that are simply unavoidable. Fortunately, comparisons services like Very Merry Loans have revolutionised the way that loans can be compared and applied for by giving you the freedom to explore a range of options in minutes – all from the comfort of your own home.

There are no fees charged for our services and you'll receive an instant online decision from the direct lender that you choose. Let's take a look at how the loans at Very Merry Loans actually work.

How Do Short Term Loans Work?

Short term loans have helped thousands of borrowers from Sunderland to overcome life's unforeseen financial emergencies. From a burst water pipe or broken down car to an unexpected bill or home repairs, there are hundreds of situations when a quick hit of cash is needed to rectify a situation.

Unlike long term borrowing, short term loans are designed to be repaid over days, weeks or months rather than years. The amount you can borrow will largely depend on what you can afford, although all lenders do have a minimum and maximum limit on what they're prepared to loan.

No matter how much you're looking to borrow, you'll need to fulfil some basic application criteria to be considered, including:

  • Being at least 18 years old
  • Having a UK bank account with a debit card
  • Being a permanent UK resident

Once the loan has been approved, you'll receive a full breakdown of when your repayments will be due along with detailed information on the total amount that will be repaid. This transparent approach means that you'll always know exactly where you stand with your new line of credit and can keep firmly on top of your finances.

I've Been Refused Elsewhere. Can I Still Apply For A Loan?

Yes! Each lender uses different assessment criteria when it comes to making a decision on your application, so just because you didn't fit with one lender doesn't mean that you won't be successful with another.

Lenders primarily want to see that you have the ability to repay your loan so as long as you can prove that you won't fall into financial hardship whilst trying to make repayments then you'll always have a chance of being accepted.

Of course, other factors such as your credit history, residential status and employment status will also play a part as they try to paint an overall picture of your creditworthiness and the loan's affordability.

Either way, it all starts by making your first initial application online. It takes just a few minutes to complete the Very Merry Loans application form and we'll then be able to use this information to present you with lenders who are best suited to your circumstances.

So what are you waiting for? Submit your information with Very Merry Loans today and funds could be in your account within just 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.