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%
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Number of Applicants
with Bad Credit
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.
Choose a loan option that works best for you.
No late fees
What you see is what you get – no hidden or late fees.
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The Lenders List
Representative Example: If you borrow £10,000 over 60 months at a Representative rate of 3.2% APR and an annual interest rate of 3.20% (fixed), you would pay 60 monthly instalments of £180.37. The total charge for credit will be £822.20 and the total amount payable will be £10,822.20.
Desperate Loans in the UK: Finding the Best Loan Solutions
With the incessant rise in the demands for loans and other loan services, as well as the consequent increase in the number of borrowers, and the subsequent surge in the number of unpaid debts, traditional lending firms and institutions were confronted with a pressing situation that needed an effective resolution. In an effort to address the situation, traditional lending institutions such as banks and other lending firms decided to come up with a credit scoring system, which was developed and designed specifically to achieve their agreed ends. Under this credit scoring system, lending institutions and firms have the capability to easily classify borrowers according to their respective financial capacities. Borrowers whom they deem unlikely to be capable of paying off their debts were easily segregated from those whom the lending firms and institutions perceived to be likely capable of paying off their loans with little to no problem. With this credit scoring system in place, individuals with income levels that do not meet what the lending firms and institutions have set as the minimum requirement were given poor credit scores. Borrowers who either repeatedly or frequently missed their regular payments, on the other hand, had their records automatically reflect their bad payment history. Because of this, borrowers with poor credit scores and bad payment histories were automatically precluded from acquiring any type of loan from any of the standard lending institutions and firms. And while this credit scoring system was of great help to the lending institutions and firms, its effects to the borrowers’ finances were extremely inimical in the long term.
Since individuals and borrowers with poor credit scores and bad payment histories were automatically disallowed from securing any type of loan from any of the legitimate lending institutions, borrowers were left with very few, impractical, unpleasant, and sometimes, even downright unacceptable options when faced with tough financial situations. And because selling off their properties or borrowing from friends and family are not always possible nor easy, many borrowers with bad credit were often left to resort to underground loans from illegally operating lenders in times of urgent financial situations. Although this option does allow borrowers the short-term financial relief that they urgently need, the long-term repercussions of these loan solutions often leave borrowers in even more difficult financial situations. Because underground loans come in excessively high interest rates, borrowers are often left in a perpetuated difficult financial circumstances.
Getting Desperate Loans for Bad Credit
With the incessantly increasing number of borrowers with bad credit who find themselves in similar perpetuated difficult financial circumstances, a new market comprised entirely of borrowers with bad credit was eventually created. And as demands for more acceptable, more secure, and more affordable loan services continued to rise in this newly created market, lending firms and institutions later on developed innovative new loan solutions specifically developed for borrowers with bad credit. Through innovative new loan services such as desperate loans for bad credit, borrowers finally have easy access to more acceptable, more affordable, much more flexible, and far safer loan solutions especially in times of desperate financial situations. Unlike applications for many of the conventional loans that are normally being offered by traditional lending institutions and firms, applications for innovative loan services such as desperate loans for bad credit do not entail having to submit impossibly hard to secure requirements, nor do they involve having to wait for long hours in long lines, just to submit loan applications. With desperate loans for bad credit as well as other innovative new loan services, borrowers need not have to settle with illegal lending services in times of pressing financial crises.
How to Get Desperate Loans and Instant Loans for Bad Credit
With the continuing evolution of the lending industry, as well as the latest advancements in technology and security, borrowers with bad credit now finally have much faster, more convenient, and a lot more secure financial alternatives, especially in times of urgent financial crises. Through innovative new loan solutions such as desperate loans and instant loans, borrowers now have the convenience of being able to submit their applications right straight from the comfort of their own homes. Because through these loan options, loan applications may now be accomplished completely online, borrowers now have the convenience of being able to submit their applications from anywhere and at any given time. And since applications for these loan services can now be completed entirely over the internet, loan applications can now be processed as soon as they are submitted. Consequently, approvals of loan applications for desperate loans and instant loans for bad credit can now be expected in as little as minutes after they were processed. The release of funds for approved desperate loans, on the other hand, may now be completed even on the same day that the loan applications were submitted. Because of these extremely useful and convenient features of desperate loans and instant loans for bad credit, these loan solutions actually make good options in addressing urgent financial situations. But since desperate loans and instant loans are normally small loans that are usually arranged for borrowers to repay over in short payment terms, these loan solutions actually do not make great solutions to more complicated financial conditions. For situations that require loans in bigger amounts that can be paid in longer payment terms, borrowers may procure secured loan solutions, which they can easily pay over in more flexible and longer payment terms.
Getting Desperate Loans from Direct Lenders
For many borrowers, the common misbelief is that since borrowing form the lenders directly does not involve having to pay for loan brokers’ fees, it only follows that it yields more benefits. What seems to be unknown to many is the fact that because loan brokers have connections to lenders in many different locations, it also follows that they have access to many different deals and promotions that are being offered by these lenders across different lending services. Because of this, borrowers who opt to secure loan services through the assistance of loan brokers actually enjoy more advantages and more savings in the long term.
3 most recent personal loan reviews
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
Ease Of Use
Value For Money
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
Ease Of Use
Value For Money
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
Ease Of Use
Value For Money