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.

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It’s our job to make sure your questions are answered.

The Lenders List

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Payday Loan for Employees – Is It Advisable?

Every hardworking employee will encounter financial hardships from time to time. Oftentimes, these hardships can be dealt with through a persistent life strategy. However, financial emergencies are unexpected and they can break anyone apart. If you’re having a financial problem now and you need a solution, then a payday loan for employees can be handy.

Payday loan for employees, also known as cash advance loans, are short-term debt instruments that can be issued without delays. While you can get a payday loan for employees within a day, you need to be disciplined enough in repaying it. Most payday loans nowadays have variable interest rates that will climb over time.

If you’re an employee, you need to be aware of some important factors before you apply for any payday loan for employees lender:

A Matter of Habit

Habits can make or break an employee. The same thing can be said whenever you’re applying for a payday loan for employees. Around the world, many payday loan borrowers are struggling to keep their financial lives in order. For them, payday loans are something that can be used anytime. If you rely too much on payday loans, there’ll be big problems. First – a typical payday loan is somehow stable. Rates can increase or decrease depending on the terms of the lender. Second, the financial setback is huge if ever you missed a payment. Therefore, you need to form a strong mental habit before applying for cash advance. Think of your payday loan as a responsibility – a definite weight on your shoulders. If you’re disciplined enough, you won’t have any problems with every payday loan that you’ll encounter.

Variable Interest Rates

One of the common problems with a payday loan for employees is the variability of interest rates. This can be a double-edged sword; at times, you may encounter a lender that has acceptable interest rates. Other lenders, however, will give huge rates that can pin your budget down. Make sure that you’re ready for these rapidly scaling rates. If a lender is giving you distasteful terms, be brave enough to move on.

Acceptable Repayment Period

If ever you’ve found a payday loan for employees that has manageable APR and fees, the next thing that you must consider is the repayment period. The period shouldn’t be stretched too long or clumped too short. Variably, the acceptable period is three months. This will give you ample time to prepare and the lender won’t be able to churn out more money from you.

Payday Lending and the Economy

Perhaps the greatest contributor to the stability of a payday loan for employees is the economy. If the global economy is steep, then thousands will hang on payday loans. If economy is going in an upward scale, other types of loans will gain mileage. On the other hand, experts can’t deny the fact that payday loans are evergreen – even if these loans received too much flak in the past years. If you’re going to analyse it properly, a payday loan for employees can fuel the economy by a significant percentage. To gain more advantages from a payday loan for employees, be observant about the economy – either in national or global scope. This way, you can follow the rates that payday lenders are currently implementing.

Payday Loans as Solutions

Payday loans, just like any other type of loans, should appear as solutions, not problems. In this case, your role as a borrower is very important. Do you need the loan for a small investment that you’re planning to get? How about quick cash that’ll help you cover the expenses needed until the next payday? As much as possible, don’t get a payday loan for employees if you’re just going to use it to splurge or buy the latest gadget. This is the fastest way to sink in a financial hole.

Employee Loans vs. Payday Loans

Some companies will issue payday loans for employees. These loans are moderate lump sums that you can get once you already became an asset to the company. Your employer will deduct the monthly due from your salary. A payday loan for employees is almost the same – except that you don’t need to prove anything. As long as you have your credentials, you’re free to apply. Payday lenders don’t need further explanation; they’re just concerned if you can repay the loan on time. However, payday loans can only be issued in smaller bursts. Employee loans have the potential to outdo payday loans in terms of amount. You’re free to choose from these two types of loans – just don’t choose them both!

Are you now ready to apply for a payday loan? Visit a payday lending site today and see what a lender has in store for you! Also, you can search the Web for the top 100 guaranteed approval on payday loans.

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.