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%

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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How to Use Bad Credit Loans to Grow Your Small Business?

Bad credit loans aren’t actually as bad as it sounds. Basically, bad credit loans are a form of payday loan that caters to people with low or bad credit rating. If you go to an organised lender even though your credit rating is not good, there’s a big chance that you’ll be denied. In that sense, bad credit loans trump regular secured loans. Aside from emergency situations, you can use your bad credit loans to grow your small business. There are many ways to do this, and you’re only limited by your creativity and resources.

Buy Necessary Equipment

A small business can expand with a new set of equipment. This equipment can range from office chairs, tables, supplies, and even appliances. Depending on your loan amount, you can purchase all the stuff you need from the get-go. Another tactic is to get sequential loans and buy equipment one by one. With this, you won’t be pressured to repay a big loan. Eventually, you may even receive discounts from the lender.

Invest in Valuable Marketing Methods

Marketing will take resources, such as money, manpower, and time. During the startup phase, you can do the marketing on your own but you need to increase your output sooner or later. This is only possible if you can invest in advanced marketing tools. Most of these tools have free trial periods, but it’s advisable to get the full power of their paid services. Your bad credit loans can be used to avail subscription for these tools. Just make sure that you’re going to pick the best marketing tool in the market.

Invest in Lead Funnel and Starter CRM Tools

Aside from marketing tools, you need platforms that’ll drive your small business towards unhindered growth. This is only possible through lead funnel tools and CRM software. They are similar to marketing tools but they are focused on building long-term relationships with your clients.

Boost Your Power Networking Tactics

Networking is an important part of any business. If you cannot network extensively, your business will have a smaller room to grow. To engage in power networking methods, you need a stable budget. Depending on your networking and expansion plan, you can apply for bad credit loans that exceed £1000. Most of the expenses of your networking will be directed towards travel fee, resources, and other necessities. You may also need to double up your phone subscription plans to communicate effectively with your associates or future clients.

Give Incentives to Your Team

In every business, you have to make sure that your team has a strong, positive morale. You can do this through constant pats on the back or praises, but people need tangible stuff. In this case, you can use your bad credit loans as an incentive for your small business team. Treat them out in lunches or dinners, or schedule a well-deserved outing. Once you started doling out incentives to your employees, they will recognise your efforts and they will do their best to reach their daily goals. This will lead to greater team strength and in turn, your small business will grow.

Improve Your Product

Whatever your product is, you must strive hard in improving it. If you can’t improve your product, competition will tear your business apart. Some products can be easily improved, while others will take long hours of testing and implementation. The process of improvement will even require money. To know the right amount that you’ll need, you must understand your product’s ins and outs. More than that, you should also know how your customers would react from the improvement or overhaul. Will they continue buying your product? Will they be happy with your new line-up? What positive or negative changes that you may possibly encounter? These are just some of the basic questions that must be answered as you brainstorm for ideas.

Bad Credit Loans vs. Small Business Loan

You’re probably thinking that you should just apply for a small business loan. That strategy will work too, but you’ll undergo strenuous paperwork and the bureaucracy of big-time lenders. However, once you’ve presented your business plan well and outlined your goals, you’ll get a bigger lump sum. Bad credit loans, on the other hand, will rarely give you problems. With guaranteed payday loans, bad credit is never an issue. You just need to remember that the amounts you’ll get are variable. At times, the amount is huge. For other instances, you’ll get a smaller loan.

Once used reasonably, bad credit loans can be a business advantage. It’s fast and there’s always a strong guarantee that you’ll get your money within the day. Check out the nearest bad credit loans lender in your area, and then grow your small business as you please!

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.