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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Best Strategies on Finding Guaranteed Payday Loans

Whenever you need quick cash, the best option that you can find is a guaranteed payday loan. As one of the most popular unsecured loans all over the world, a payday loan can be considered a solution to financial problems. However, some experts believe that people can fall into bigger debts if they always rely on payday loans. Somehow, the experts are right. You’ll have big problems if you can’t repay guaranteed payday loans on time. Don’t worry – once you’re disciplined and you know how to pay properly, payday loans won’t give you problems.

So, how can you find guaranteed payday loans? Check out these simple but valuable strategies:

Look for Online Lenders

With the help of the Internet, you can find as many lenders as you want. A simple Google search can yield dozens of useful results, and you can even find guaranteed payday loans lenders within your area. Another advantage of finding lenders online is speed. In seconds, you can inquire about the payday loans offered by popular lenders. Aside from cash advances, you can even find other types of secured or unsecured loans.

Secure Your Employment Credentials

When applying for a guaranteed payday loan, the lender will care little about your credit history. However, some lenders will take a look at your employment status. This is a form of a hedge; if you’re employed, there’s a big chance that you can repay the loan. Even though lenders check your current employment status, they’re not too strict about it. So, if you want to speed up the process of your payday loan application, you must keep your employment credentials updated.

Seek Out Local Guaranteed Payday Loans Providers

Whenever you search for lenders online, you’ll get multiple results within and outside the country – unless you specifically inputted a location. It’s often advisable to search for local guaranteed payday loans lenders because they have a narrower reach. This means that you can find them easily without getting side-tracked by various data sources.

Compare the Best Payday Loans in Your Area

Once you’ve come up of the top ten or top five lenders in your area, it’s time to do an objective comparison. Compare the loans offered by one provider to another. If you do this, you’ll be able to gauge the prices, fees, requirements, limitations, and other factors imposed by the lenders. Keep in mind that your area should be the best starting point. By starting in your area, you’ll have a better idea of the circulating payday loans. Probably, some of your friends managed to get payday loans from the lenders you put on your list.

Attend Financial Events

Another useful method to find guaranteed payday loans is to attend financial events. Every now and then, huge companies launch financial events in the UK and worldwide. All of these events are filled with useful financial knowledge, and you can even gain leads about the best guaranteed payday loans providers. So, keep your eyes peeled for these events. Use Facebook and Twitter to follow where the latest events might be held. Financial websites could also reveal information about several events, though this doesn’t happen all the time. Nevertheless, financial websites are also great leads.

Find Referrals

Aside from online search, one of the best ways to find a guaranteed payday loan is through word of mouth. Referrals can go a long way, especially if clients are satisfied with the lender’s rates and practices. Whenever you’re mingling with people, try to ask if they’ve encountered some cash advance providers. Very likely, you’ll get a useful referral that will point you to the right lender.

Research About Different Loan Variations

The lending industry is empowered by creativity. Even though lenders are driven by numbers, they must use their creative juices to come up of new loans that can generate buzz. The list of unsecured loans, for example, continues to grow beyond expectations. The powerhouse cast is still there – payday loans, personal loans, credit cards, and character loans. However, these loans are getting more and more variations per year. A payday loan can even be divided into numerous subcategories, depending on the lender. While the guaranteed payday loan is also a cash advance, it has a rather special clause. Guaranteed payday loans are popular because they have a low decline rate often helped by the fact that no credit checks were carried out by a direct lender. Once you applied for a guaranteed payday loan, there’s a guarantee that you’ll get approved. No lengthy credit checks – you’ll get your money within the day.

In actuality, finding a payday loan lender is not that hard. Finding a trustworthy lender, however, is another story. By applying the strategies discussed, the chances of finding a trustworthy lender shall increase.


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.