Warning: Late repayment can cause you serious money problems. For help, go to MoneyAdviceService.org.uk

Instant Online Payday loans

From the best UK Direct Lenders

How much?

Representative Example: Borrow £200.00 for 60 days. Repay in 2 payments, first payment in 30 days

Each Payment: £147.04. Total Repayment: £294.08, Interest: £94.08.

Interest p.a: 365%(fixed). Representative APR 1058%


Number of Applicants
with Bad Credit


Paid Out


Plan Term Periods
Paid Back Early



Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk

Loans subject to status. Over 18s only. Minimum loan amount may apply.

Rates from 4.5% APRC to 65.2% APRC are available – the highest rate is for customers with severe credit problems. Loans available from 1-25 years. TYPICAL 10.9% APRC variable

The Different Kinds of Loans

There are many different types of loans for many different uses, this means that it can be quite difficult to find the right loan to suit you and your needs. We are able to help you find the right loan for you no matter what it may be.

For more information on the types of loans that we do at Virtu Financing click on our drop down menu here >>

If you are having trouble deciding still then feel free to use the Contact Us page to ask for some professional help on what might be best for you.

24 Hour Loans in the UK: Finding the Best Loan Solutions

Because of the incessantly rising demands for loans and other loan services, as well as the consequent increase in thr volume of borrowers’ unpaid debts, traditional lending firms and institutions have agreed to come up with a credit scoring system developed and designed specifically to address such problems. With this credit scoring system in place, lending firms were easily able to classify borrowers according to the status of their personal finances. Borrowers whom the lending firms saw as likely to be incapable of paying off loans in the future were easily segregated from those whom the lending firms perceived to be capable of paying off their debts with little to no problem at all. Under this credit scoring system, individuals who earn less than what the lending firms have decided as the acceptable minimum were automatically given poor credit scores. On the other hand, borrowers who frequently or repeatedly failed to make the payments that their accounts necessitated automatically had records that reflect their bad payment history. Because of this, individuals and other borrowers with poor credit scores and bad payment histories were automatically disqualified from acquiring any type of loan from any of the lending institutions and firms. While this credit scoring system did serve its purpose to the lending firms, its consequent effects to the borrowers’ finances proved to be detrimental in the long term.

why get 24 hour loans

Since individuals and borrowers with poor credit scores and bad payment histories were no longer allowed to secure loans from any of the legitimate lending institutions, borrowers faced with urgent financial crises were left with very little and either impossible or simply impractical financial alternatives. And since borrowing from family and friends and selling off properties to raise money can sometimes  be neither plausible nor easy, a lot of borrowers with bad credit tend to settle with illegal loans from underground lenders. But while this option allows borrowers the temporary financial relief that they need, the long term repercussions often associated with these types of loan services leave borrowers in even more difficult financial circumstances. Since underground loan services come in exceedingly high interest rates, borrowers are often trapped in a cycle of difficult financial problems.

Getting 24 Hour Loans for Bad Credit

As more and more individuals and borrowers with bad credit and poor payment history found themselves similar cycles of financial predicaments, a whole new market made up entirely of borrowers with bad credit was eventually created. And in an effort to address the growing demands for better, more flexible, and safer loan services in this newly created market, lending institutions and firms developed innovative new loan solutions. With innovative new financial services such as 24 hour loans for bad credit, borrowers now have access to better, more affordable, and much safer loan alternatives, which they can rely on in times of urgent financial circumstances. Through innovative new loan services like 24 hour loans for bad credit, borrowers no longer have to submit impossibly hard to find requirements, nor do they have to wait in long lines for long hours just to submit their applications. And unlike many of the conventional loans that are being offered by most of the traditional lending institutions and firms, applications for innovative new financial services such as 24 hour loans for bad credit, borrowers need not have to endure long waits to get approvals for their applications, nor do they have to endure any more long waiting when it comes to the release of approved loans’ funds. With innovative loan solutions like 24 hour loans, borrowers need not have to resort to underground loans from illegally lending individuals and firms.

How to Get 24 Hour Loans and Instant Loans for Bad Credit

With the latest developments in technology, as well as the continuing evolution of the lending industry, borrowers can now enjoy much safer and much faster financial services even despite their bad credit. Through 24 hour loans and instant loans, as well as other innovative new financial solutions, borrowers can now enjoy the convenience of being able to submit their loan applications even without having to leave the comfort of their own homes. Because loan applications can now be completed entirely online, borrowers now have the convenient option to submit their applications from anywhere, anytime. And since everything can now be completed entirely over the internet, loan applications are now processed immediately after they are submitted. Consequently, borrowers may now expect for their applications’ approval within minutes after their processing was completed. The release of funds for approved 24 hour loans, on the other hand, can now be accomplished as early as just hours after the applications were submitted.

Due to these highly convenient features of 24 hour loans and instant loans for bad credit, these loan services make good financial alternatives in addressing urgent financial crises. But because these types of loans are generally small loans that are arranged for borrowers to pay over longer payment terms, they do not make good options in resolving more complicated financial situations. In addressing more complicated financial situations that require loans in bigger amounts and longer payment terms, borrowers are better off taking secured loan options, which can be easily be paid over in longer payment terms.

Getting 24 Hour Loans from Direct Lenders

A common misbelief among borrowers is that because securing loans from the lenders directly does not involve having to pay for loan brokers’ fees, it also follows that through this option, they get to save more money. What a lot of borrowers are unaware of, however, is the fact that because loan brokers maintain a network of connections to different lenders in different areas, they consequently have comprehensive access to all their discounted lending services. As a result, borrowers who opt to secure loans through the help of loan brokers actually reap more benefits and enjoy much more savings in the long term. And since loan brokers provide their clients with extensive expert financial advise, borrowers are guaranteed the best loan alternatives according to their unique financial circumstances.

why choose 24 hour loans

3 most recent personal loan reviews

Review of Money

Absolutely outstanding service. Quick and smooth online application and was called 4 hours after submission to confirm bank details etc and treated me and my guarantor with respect. Money was in my bank at 7pm. Thank you Money loans!

Review posted by Kerri Hancock, Leicester

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Bizzy Loans

I do have to say, one of the best loan sites I have come across, they make everything so easy, with not very good credit history I didn't think I had a chance but they accepted me and I can get my life back on track. Thank you again Bizzy loans.

Review posted by Luke Ridgewell, Chesterfield

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money

Review of Place For People

A really simple, quick and efficient system to use. The interest rate is a bit steep but it reflects the risk of lending to borrowers with poor credit ratings so I will not complain about that. Being able to pay off extra amounts with out penalties and only paying interest on the amount remaining makes it extremely fair to borrowers.

Review posted by Alan Pinder, Truro

  • Customer Service
  • Flexibility
  • Ease Of Use
  • Value For Money
All Reviews have been acquired from uk.trustpilot.com to guarantee authenticity.