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 do you need?

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.

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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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The Best Online Businesses You Can Start With Guaranteed Approval Payday Loans

Normally, before you start any business, you’ll possibly consider applying for a loan. With dozens of banks ready to offer small business loans, you’ll have lots of options to secure funding. Despite this advantage, applying for a small business loan is difficult. You have to deal with heavy paperwork and there’s a fair chance that your application will be denied. As an alternative, you can go for unsecured guaranteed approval payday loans. Since these guaranteed approval payday loans can help you take your online business off the ground.

Listed below are some of the online business ideas that you can start with guaranteed approval payday loans:

E-Book Selling Business

With the rise of digital products, E-Books have become the norm for many readers. Instead of buying books that take up storage space, people can just download E-Books to read at their convenience. You can create any E-Book you want as long as you can draft a content plan and you have a valuable platform to use. To sell your E-Books, you just need to set up your own website and drive continuous traffic. At first, the sales will come in a trickle. Eventually, you can build a large client base and you might even become a celebrated author.

Personal Gigs and Gig Reselling

Freelance gigs are not just simple income projects or multiple jobs that you can finish within a fixed time. With a touch of creativity and practical planning, you can accomplish personal gigs and turn them into an exceptional business. In less than £1000, you can start this business. You just need multiple platforms and various personal contacts. You can even try reselling gigs so that you’ll get higher outcome rate and more profits.

Online Consultancy and Mentoring

This 2017, the world of online consultancy and mentoring has reached great heights. Hundreds of niche consultants achieve superstar status per month, gaining tonnes of subscribers. If you have a profitable skill that you want to teach to others, then you can benefit from starting an online consultancy business. Keep in mind that competition is rampant, so you need to deliver unique, astounding results. Figure out what are the unsolved problems in your niche. You’ll also need a bigger loan because an online consultancy business can only become successful if you have the necessary tools. These tools will require money and other resources.

Affiliate Marketing

Many responsible guaranteed approval payday loans borrowers used their money to create websites for affiliate marketing. There’s money in affiliate marketing, but you have to bide your time since most niches have become competitive. Also, you need to add tonnes of content to your website in order to capture the attention of affiliates. Approximately, it’ll take a year or more before your affiliate site starts churning money.

Bitcoin Content Site

Bitcoin, the most popular Cryptocurrency, has the potential to rake in profits over time. You just need to know how to obtain and trade Bitcoin. The best way to gain online Bitcoins is through the creation of a Bitcoin content site. Using your guaranteed approval payday loans, you can build your own website, fill it with Bitcoin content, and link it to your wallet. Now, you have a Bitcoin content site. The real challenge can be denoted by two questions; how are you going to gain Bitcoins? And how can you monetize the website? To gain Bitcoins through your site, you can trade your skills and services. For monetization, ad banners will do, as well as extra online services. Whenever you’re transacting Bitcoin, you must proceed with additional caution because some people may attempt to scam you.

Review Creation Business

There’s money in reviews, and you can review anything in the Web. You just need to work hard in finding sponsors and companies who can offer good commission rates. Just like other online businesses, you need to have a decent website. This is where your guaranteed approval payday loans should go to. Once that’s settled, you should proceed with the legwork.

Website Flipping

Website flipping can be started with a capital less than £2000, but you need to know coding and web design. To flip a website, you just need to purchase a cheap, forgotten domain and turn it into a valuable, SEO gold mine. If you’re successful, the flipped website can be sold for more than a thousand times of its original value.

Guaranteed approval payday loans are the quick solutions that can help you build any of the businesses mentioned. However, even if you have guaranteed approval payday loans ready at hand, you still need to prepare a detailed business plan that’ll ensure your success.

[ratings id=”1443″]

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.