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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Loan term
3 months
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2 Months
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The Top Signs of a Reliable Bad Credit Payday Loans Direct Lenders

Lenders make up a large portion of the financial game. Everywhere around the world, lenders are responsible for keeping businesses afloat and they even saved many people from financial troubles. However, not all lenders are angels in disguise – some are just wolves in sheep’s clothing. Since most bad credit payday loans direct lenders, it’s difficult to tell the good eggs from the rotten ones. There are no exact barometers that’ll tell you if the lender can be trusted. Despite this, you can discover clues and signs regarding the lender’s processes. By following these signs, you can avoid the vipers of the payday lending industry.

Total Transparency

This should be obvious from the start – transparency is an important trait that must be practised by all lenders. If a lender is not transparent, you’ll be taken to financial mazes and before you know it, you’ve fallen into a financial trap. Lender transparency can be measured by exercising a consistent questioning method. Always ask about the exact rates that you’ll have to pay, along with possible penalties. In the middle of the agreement, try your best to procure documented copies so you’ll have the backing of the law. Another method is to check out customer reviews. Very likely, customers will voice out their opinions about dishonest lenders. Yet, most payday loans direct lenders don’t have online presence – making the research process tricky. In this case, you just have to trust your intuition.

Proactive Customer Support

There are many qualities that make up the spectrum of reliable payday loans direct lenders. One of these strong qualities is proactive customer support. A proactive lender is willing to do everything to help you all throughout the transaction. Combined with transparency, the lender must exert his resources to make your application easy. Any question you have must be answered by the lender, regardless of nature. Another measuring factor of a proactive lender is the initiative to inform a client whenever a due date is approaching. Not all payday loans direct lenders do this. So if you found one, then you probably discovered a reliable source.

Flexible Repayment Options

Repayment flexibility is another strong factor of a reliable lender. Instead of proposing one or two methods, the payday loans direct lenders must have different options. Nowadays, most lenders rely on payment automation systems to reduce hassles on the part of clients. Some clients, however, think that automated repayment is intrusive. Online payment platforms are also encouraged so that the client can settle his dues without leaving the confines of his home. A payday loan direct lenders with multiple repayment options are creative and reliable enough.


Reliable payday loans direct lenders must also be considerate enough if ever you encountered something (i.e. delays and emergencies). While lenders are not obliged to be considerate, it’s still a token of respect. You can test the considerate methodology of the lender by suggesting different scenarios. Very likely, the lender will answer according to the protocol of the business. Lenders who go out of their ways to consider your situation are the ones that you must trust. Within your area, it’s guaranteed that you can find considerate payday loans direct lenders through word of mouth. Your friends and relatives probably have the contact number of the most considerate lenders in town.

Balanced Collection Methods

In the payday loans direct lenders arena, delayed payments are unavoidable. Most borrowers will default on their loans, and lenders will send collection agents after them. This is the regular cycle of business. However, you can observe some important trends and patterns. While most lenders have the same collection methods, some are employing balanced tactics. Instead of pressuring the borrower with daily visits from collection agents, the lender can schedule weekly visits and calls. Through these calls, the reliable lender must propose different repayment terms and other options to mitigate penalties. Lenders who are creative in their collection methods should be included in your list.

Gives You Discounts in the Future

Payday loans direct lenders are not obliged to give discounts, especially if they’re running a tight ship. However, some lenders – especially independent operators – tend to offer discounts to long-term clients. This is understandable because long-term clients have already contributed to the growth of the lending business. Once you found a generous lender, don’t let go.

Bear in mind that not all signs and cues are absolute. Every now and then, payday loans direct lenders change their ways so you need to keep up with the pace. So, if you’re hunting for payday loans direct lenders now, take extra caution and always keep your eyes peeled.

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.