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

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.

How to Find the Best Payday Loan Direct Lenders Only in UK?

Whenever you’re short on cash, the best possible course of action is to borrow. You can always ask your friends or relatives for money. What if they don’t have extra cash as well? The next option you have is a payday loan from direct lenders only. A payday loan is also known as cash advance, and it’s one of the most popular forms of unsecured loans. Payday loans direct lenders only are favoured by many people because there’s no credit check involved – the lenders will just rely on your character, promise, and source of income. Due to the popularity of guaranteed payday loans, direct lenders only need to relay their services and people will follow afterwards.

With thousands of direct lenders only payday loans in UK, how can you find the best one? You’ll have better chances of finding the best payday direct lenders only by applying these simple tactics.

Round Up the Top Five Lenders in Your Area

In order to find the best, you need to have multiple options. It’s not enough to have one or two because payday direct lenders only have their own agendas. Some experts may advise you to find the top ten lenders, but it’s better to round up a top five list. By doing this, you’ll narrow down your choices and it’ll take lesser time to find the best lender. In your search, you’re not limited to the location but it’s advisable to start within your vicinity.

Know the Lender Qualities That Matter Most to You

It’s easy to find lenders by following a consistent trail of information. However, the better strategy is to step back and underpin the lender qualities that are valuable for you. Do you want to apply to a lender that offers low-interest rates? How about a lender that have become popular because of his client discounts? Or perhaps you can settle for a lender that has a lenient method in collecting your dues. Whichever trait you want, make sure that you jot them down or imprint them in your mind. If you don’t tackle these qualities, you won’t hit desired targets. You may even become overwhelmed with the amount of information circulating on the Web. If you have preferences regarding the ‘ideal lender,’ your search will become more fruitful.

Track Down the Latest News on Payday Lending

UK’s payday direct lenders only industry is always thriving with updates and new information. Such information is not just limited to payday loan news but may also cover all other important aspects of the country. Tracking down the progress of payday loan industry will help you find the best payday lender through a series of ads and recommendations. Some sponsored lenders can even be on the big news and they can be your payday loan sources.

Visit Financial Forums

Financial forums are chock-filled with helpful information that can take you to the best payday loan providers. While you’re in the forums, start browsing the threads and check if the members are discussing payday loans direct lenders only. Better yet, you can visit a forum about unsecured loans. This will keep your search more targeted so you’ll find better results. Also, forums will also have unbiased reviews about payday loan direct lenders only. Analyse these reviews well so you can gain objective information.

Scout in Facebook

Facebook is the quickest way to gain information about payday direct lenders only. Big lenders will probably have Facebook pages that you can visit. From there, you can send your inquiries. Aside from that, payday lenders usually have groups to manage their applicants and clients properly. If you’re scouting in Facebook, you should always consider the reviews of customers. The reviews will tell you if the lender can really be trusted or not. Page comments are also valuable because they’re faster and filled with heavy emotions.

Ask Your Friends and Colleagues

Sometimes, you can just ask your friends and colleagues if they know someone who can offer payday loans direct lenders only. Through referrals, you can find different options to include in your Top Five list. Remember to be proactive in your questioning. Don’t just ask questions out of the fly. Get the lender’s location and contact number. This way, you’ll know how to approach the suggested lender.

A Quick Note

Recently, authorities have cracked down on payday lending because of numerous financial complaints. Payday lenders, especially small-timers, can be difficult to track because they often change operations. To tell if a lender is a scammer, observe his rates. If it doesn’t have a consistent scale, step away from that lender or you’ll fall deeper in debt.

After finding a lender that matches your preferences, you can now proceed with the application. You’ll get your cash within minutes, so use it any way you want. Just don’t forget to repay the payday loan so you can avoid harsh penalty fees.

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.