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

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Loan term
3 months
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2 Months
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The Main Reasons Why Guaranteed Direct Lenders Payday Loans Are Worth Your Time

Applying for a guaranteed direct lenders payday loan has never been easier with the advent of technology. If you need a payday loan quickly, you can just visit the most popular lending websites through your computer or smartphone. In just minutes, your application can be processed. Despite the growing number of guaranteed direct lenders payday loans in the market, only a few really deserve your attention. Instead of choosing providers with mediators, why not contact guaranteed direct lenders? The guaranteed direct lenders payday loans can offer are flexible enough to solve your immediate financial woes.

Here are the other reasons why you should seek a guaranteed direct lenders payday loan:

You’re Cutting the Middleman

Lenders are crafty. Over the years, they learned how to use middlemen and ‘mediating entities’ to handle their transactions. This practice has become the norm, eventually spreading in many parts of the world. More often than not, you’ll have a difficult spotting these mediating entities. By going to guaranteed direct lenders, you will effectively cut the middleman and gain a better financial advantage. Middlemen will just squeeze more money out of your loaned principal.

Guaranteed Direct Lenders are Concise

Guaranteed Direct lenders have been trained enough to be concise in disclosing information to their clients. These lenders don’t ‘beat around the bush.’ If you’re approved for the loan, you’ll get what is due. There’ll be no side-tracking offers or other confusing agreements on the table. Once you encounter a lender who tends to make you feel confused, step away. Guaranteed direct lenders payday loan understand your immediate need for the money – they won’t waste a single moment of your time.

No Other Fees to Worry About

Payday loan lenders received a bad rap over the past years. In fact, UK’s cash advance industry is still rising from a heap of multiple controversies. Many lenders had been found guilty of slapping customers with outrageous fees. You probably know how simple, unchecked fees can debilitate your finances. If you’re in a tight spot and you need quick cash, you should avoid these vipers. Guaranteed direct lenders payday loan won’t subject you to these painful fees. Whenever additional fees will be included in the loan transaction, you’ll know right away. Also, the fees won’t be higher than your loan’s interest rate.

No Shadowy Transactions

Crooked lending organisations are the ones who are bringing negative impact towards the payday loan industry. Aside from spiking fees, these viper-lenders are implementing different shadowy transactions to further raise their profit gains. These shadowy transactions are well-executed, even under the trappings of the law. Reputable guaranteed direct lenders are above these kinds of transactions. They uphold full transparency, aside from high-value customer service. By doing a simple research, you’ll know which lenders are fond of doing shadowy transactions. Online customer reviews are your best shots because they offer authentic data without any biases. Since lending review sites are always updated, you’ll have a rich source of helpful data that you can always rely on.

Most Guaranteed Direct Lenders are Well-Regulated

Direct lenders are properly regulated by the law, and they operate within the right legal boundaries. Since the enormity of financial laws varies, it’s up to these lenders to make a fair game for everyone. How will you know if a payday loan lender operates lawfully? You need to read up on arbitrary financial laws – just the basic ones.

It’ll take only a few minutes of your time to understand the legal and illegal practices of lenders. Your intuition will also be your number one guide; if you think that the lender is trying to squeeze money out of the transaction, jump out and seek for a new one. Another useful method is to find out if a suspected lender is included in a negative watch list. Many financial websites and forums monitor lender watch lists for the benefit of everyone. It may be tricky to find these lists, but you’ll have a better chance of eluding these payday loan charlatans.

Guaranteed Direct Lenders Are Trusted Names

Typically, direct lenders in the UK have trusted names. They’ve been around in the business for too long that people already relied on them. These direct lending organisations know the importance of good reputation, and they’ll always satisfy their growing clientele. You can find these big names in magazines, business sites, and even payday loan directories.

All over the UK and even beyond, there are hundreds of guaranteed direct lenders that can give you the best deals. To know more about these lenders, you should visit popular lending websites and information hubs. Be meticulous in your search and you’ll eventually find the right lender!

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.