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 Virtuloan. 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

Loan amount
Loan term
3 months
Apply Now

Show More ▼

Loan amount
Loan term
2 Months
Apply Now

Show More ▼

Why Direct Lenders UK Can Give You Better Loan Packages?

Without a doubt, payday direct lenders UK has contributed to the upward economic scale of UK. Even though these lenders are offering unsecured loans, many people still trust them, especially if they have financial woes. Over the years, direct lenders UK has worked side by side with many financial experts in order to bring the best loan packages for everyone.

Here are some of the reasons why direct lenders UK can offer satisfying payday loan packages:

UK’s Financial Sector is Booming

In the past five years, UK’s financial sector received a fine balance of upturns and downturns. Loans were issued all over the British Isles, favouring middle-class earners, students, and even upscale professionals. Businesses thrived, especially now that technology is redefining the whole game. Payday lenders are now getting a nice piece of that action, yet great efforts are needed to raise further awareness. As long as UK’s financial stability remains firm, you can expect for more competitive payday loans. Interest rates will still climb and fall since they’re highly dependent on market changes.

Payday Direct Lenders UK are Gaining Momentum

Since UK is moving towards a renewed economic and financial might, payday direct lenders UK are gaining momentum as well. Financial experts have observed the active marketing efforts of payday lenders, effectively reaching thousands of borrowers within a short time. Still, many people are wary of predatory lending. After all, it’s still a sickness that keeps on growing. Despite this negative situation, most UK payday lenders are adhering to financial laws. As a borrower, you should benefit from this momentum. Track down the latest news about payday lenders so you’ll know which ones can really be trusted.

Technology Bridged Lender-Borrower Gaps

In the past, securing any type of loan can be difficult. You have to visit the lender’s office and deal with a lengthy application process. Now, you can say that times have really changed. Through your smartphone, you can visit popular lender websites and start applying right away. The application will take only a few minutes and the lender will send you the money the very same day. This clearly emphasises the bridged gap between the lender and the borrower. As this gap becomes smaller year by year, payday lenders will gain the proper financial spotlight they truly deserve.

Interest Rates Have Become More Competitive

Competition in the payday lending industry has also doubled. This caused hundreds of direct lenders UK to lower down their rates within a time period. After lowering the rates, the lenders will increase them to recoup possible losses. The influx now creates a push-pull scenario that keeps the payday lending industry afloat. Low-interest rates will gain attention from borrowers, and competition will continue thriving. If you’re planning to pick a UK payday lender, you should go for the one that offers competitive rates and fees. Research about the standard APR so that you’ll gain an advantage.

UK Payday Loans are Well-Structured

Aside from competitive packages, UK payday loans are properly structured to help borrowers in repayment. For example, a lender will give you a payday loan that can be repaid over the course of 3-5 terms. This range is not short enough to pressure you into making quick repayments. At the same time, it’s not too long to syphon money from your account. If ever interest rates will increase, the lender will usually notify you. On top of that, the increased rate will not be too high. To find the best-structured payday loans within your area, you can check out local payday loan directories. These directories will feature dozens of payday lenders, complete with interest data and short reviews. With structured and guaranteed payday loans, direct lenders UK will gain a potential global edge.

Multiple Repayment Options for Borrowers

UK payday lenders care about their clients. Aside from offering strong customer support, the lenders have also broadened their repayment options. Now, dozens of banks and payment couriers were integrated with the top lenders in the country. Other small-time lenders will soon follow suit to gain a larger market position. You shouldn’t worry about modern repayment options – all of the processes are automated anyway. While this seems to be an advantage, some borrowers still feel negative about automated payments. Somehow, they feel that the automation intrudes with their bank accounts. But we can’t do anything with the demands of technology – everything is bound to speed up, especially in the lending sector.

Choosing a payday loan provider in the UK is very easy. You just need to do a simple search filtered according to your location. Additionally, social media can help augment your search. With hundreds of payday direct lenders UK, you’ll never run out of options!

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.