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%

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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

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3 months
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Why Guaranteed Payday Loans for Bad Credit are Important for Today’s Economy?

Finding guaranteed payday loans for bad credit line is now an easy thing to do. You can simply search for a bad credit lender in Google, and you’ll have answers. Before applying for a guaranteed payday loans for bad credit, have you pondered about its positive and negative effects? You can analyse the usefulness of guaranteed payday loans for bad credit through its current value in global economy.

Bad Credit Loans Raise Purchasing Power

Most resources that can reach your hands will eventually increase your purchasing power. Money, for example, is the quickest resource that we can gain. Due to its releasing speed, guaranteed payday loans for bad credit can increase your purchasing power within few minutes. Since lenders will also gain profits in the deal, they will also gain an advantage. Even though a guaranteed payday loans for bad credit can increase your purchasing strength, many experts will probably advise you against it. Typically, guaranteed payday loans for bad credit will have higher fees because they are unsecured. Whenever you can’t pay back, the lender cannot repossess your assets. Rather, collection agencies will be sent after you. The penalties can even be disastrous – putting you into a terrible financial position. So, any purchasing power you gained from the start will be mitigated by inflated fees.

Does this mean you can’t rely on guaranteed payday loans for bad credit? Not quite. You just need to be careful in your every application. Consider a bad credit lender as a last solution in your game plan.

Bad Credit Loans are Quick Cash Solutions

Because of the advantages of guaranteed payday loans for bad credit, it’s not surprising that many people consider them as quick cash solutions. If you’re caught in a financial ditch and you can’t apply for any other loans, guaranteed payday loans for bad credit are the best options for you. These loans are also meant for people without a credit line. Your credit status means almost nothing for a bad credit lender, thus allowing you to proceed with the application easily. Since most guaranteed payday loans for bad credit are priced at around £1000 per transaction, the rates are manageable. Some lenders are offering higher amounts but you have to think twice before applying for those. Consider the repayment period that you have to cover. If the period is too short and you’re applying for a big loan, you have to re-strategize. Otherwise, you’ll spiral towards debt relentlessly.

Availability and Convenience

In just few years, the number of guaranteed payday loans for bad credit all over UK has increased by more than 50%. This increase gave new chances for people who need cash immediately. With dozens of guaranteed payday loans for bad credit to choose from, there’ll be no problems in securing a loan. Compared with secured loans, guaranteed payday loans for bad credit are convenient because there’s no credit checking involved. The lender will just check your employment status and analyse if you have valid sources of income. Once you passed the analysis, you can get your loan in less than an hour.

Some lenders can process your application within a day, but there’s always a guarantee that you’ll get your money. Online applications have also become more common and the whole process can take few minutes. Afterwards, the money will be sent to your bank account. Repayment is also automated. Once the due date has come, the lender will automatically deduct what you owe through your bank account or ATM. This eliminates the need to visit the lending office and do the payment on your own.

Lender and Borrower Empowerment

Guaranteed payday loans for bad credit, just like any other type of loan, is a debt instrument. Through debt instruments, both lender and borrower are empowered because of the advantages gained. The lender knows that there’ll be profits once the loan agreement ends. The borrower can also use his new loan to buy things or pursue investments. In another angle, guaranteed payday loans for bad credit can be seen as leverage. However, the usefulness of guaranteed payday loans for bad credit will amount to nothing once you began missing payments. The empowerment becomes a compromise because you’ll eventually pay for more than you owe. If this happens, the balance tilts to the lender. He gains more profits from the deal and you’re trapped in a quagmire of debt.

How can you prevent this from happening? You just need to stay ahead of your guaranteed payday loans for bad credit. As much as possible, you should repay the loan in one term. This will avoid additional interests and other penalties. A penalty-infused bad credit loan will set you back by as much as 200 times of the principal amount!

While bad credit loans are important for the global economy, they can pose big problems for people who can’t repay on time. So, if you’re planning to apply for guaranteed payday loans for bad credit, make sure that you can repay it without any excuses.

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.