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 do you need?

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%

Moving Forward Starts Here

A personal loan can help you take control of your finances.

See Why They’re Happy

Our customers rave about Virtuloans. We’re just happy to help.


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

Virtuloan is a credit broker and not a lender. We pass your information to a lender once you have been accepted for a plan. We take a fee from the lender only, once you’re approved and we do not add charges to your plan in doing so.

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.

Loan Customisation

Choose a loan option that works best for you.

No late fees

What you see is what you get – no hidden or late fees.

Dedicated Customer Service

It’s our job to make sure your questions are answered.

The Lenders List

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3 months
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What to do When You Need to Borrow

It is normal in modern society for people to be living hand to mouth with their regular paycheques. This is fine for the everyday routine but it makes it very difficult to save for a rainy day. So what do people do when something unexpected comes up? Many people turn to loan lenders to borrow what they need. If you have an emergency then being able to borrow some quick cash can be a real life saver.

There are so many situations where being able to borrow cash can help you. If your car breaks down and you need quick cash then a payday loan can be the way to go. If you are looking for a change of vehicle then a logbook loan can be a great solution. Perhaps you simply want to go on holiday and are fed up of trying to save up the pennies for it, a short term loan might be the way to go. A long term loan can be perfect for those renovations that you have been trying to get done to your home. Whatever the reason, having a reliable source to borrow from is crucial.

How to Find the Right Lender

We all know that it is important to know the market before you accept a plan as you don’t want to be tied into an agreement that is not right for you. It can be a very long process the find an agreement that suits your needs to the fullest whilst also giving you the freedom that you need and the lowest interest rates. There are many factors to look at and so many lenders to choose from. Before you borrow

Before you borrow from any lender, why not allow us to do the work for you? We have an expert team on hand every day to make sure that you find the plan that suits your individual needs the best. All it takes is to fill out a simple online form with a few details and we can find you the very best rates on the market. You need to give us a full UK address and prove that you are currently employed. This is just so that the lender has some guarantee that you are able to make the repayments. Remember to never borrow more than you are able to pay back.

Once your application has been sent we will find the very best lender with the lowest rates in a matter of minutes. Then with your permission, we will send across your details and you can have the cash in your account in just 15 minutes. It couldn’t be easier to borrow the amount you need quickly and safely. All of our partnered lenders are FCA approved just as we are.

Read the Details

Before accepting a plan to borrow any amount make sure that you fully understand all of the details and the terms and conditions. We will not charge you anything for our service and we guarantee that there are no hidden charges by using our site. We offer our services entirely for free.

You must never borrow more than you are able to repay. Make sure that you understand what the monthly repayments will be and that you are able to comply with the agreement. If for any reason you will be unable to make a repayment then get in contact with the lender immediately. Do not just pretend that things are fine or ignore them as defaulting on payments can cause serious financial issues in the future.

Problems do not go away on their own and must be dealt with as soon as possible. A lender will always do their best to make sure that you do not end up in a bad situation but it is down to you to make sure that you are not trying to borrow too much.

[ratings id=”1589″]

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 https://uk.trustpilot.com/ to guarantee authenticity.