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 Westminster


Whether you're looking to take a break from the city, are faced with emergency household repairs or simply need some extra cash to tide you over until payday, there are hundreds of reasons why short term loans can be a life saver for our Westminster customers.

The great news is that Very Merry Loans can help you to save hours searching through each individual company by presenting you with suitable options at the click of a button, with funds often transferred to you within 24 hours of acceptance.

Let's take a look at some of the factors that can help determine the level of credit you'll be eligible for as well as some added information on our panel of lenders.

My Credit Score Isn't Perfect. Will I Still Be Able To Apply?

Yes! At Very Merry Loans, we understand that no two applicants will ever be the same which is why we work with lenders who have a proven track record in helping those with a less than perfect credit history.

Lenders want to ensure that loans are affordable for their Westminster customers which is why credit scoring is often used to determine whether an application should be accepted.

However, it's important to understand that other factors such as your income, employment status, residential status and loan purpose can also play a big part in the decision making process.

No matter what your credit score, you'll still need to fulfil some basic qualifying criteria to be considered for short term loans including, but not limited to:

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

There are a whole host of alternate criteria that each lender uses which can include anything from insisting that you have a mobile phone to earning a particular minimum salary, but any specifics such as these will always be clearly explained prior to you formally applying.

How Do I Apply For Loans With Very Merry Loans?

Applying for loans is now easier than ever before. The vast majority of lenders on our panel complete the entire application and decision making process online so you'll never receive any inconvenient telephone calls or demands for lengthy paperwork in Westminster.

In the few instances when a telephone conversation is required, it will usually be to simply confirm the information that you've submitted or to verify additional information that can help to support your application.

Simply complete the initial application form with Very Merry Loans so that we can begin searching for your Westminster loans on your behalf. We'll instantly deliver the results to your computer screen, smartphone or tablet so that you can make an informed decision as to which lender is likely to be most suitable for you.

Once you've finalised your application, your chosen lender will return an instant decision and forward you a credit agreement which can be signed and returned online. This will explain exactly how much you'll need to repay along with specific dates that these repayments will need to be made.

Most lenders aim to transfer funds directly to your bank account within 24 hours although most are able to make cash available on the very same day that you're accepted.

So what are you waiting for? Get the ball rolling on your new Westminster loan search by completing your initial application form at Very Merry Loans today.

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.