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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Why do You need to Scout for Guaranteed Payday Loans Online?

The popularity of online payday loans has climbed to great heights in the past years. For 2017 and beyond, financial experts believe that more lenders than ever will join the game. This is even good news for thousands of followers all over the UK. Despite this, some borrowers are still having doubts in filing out online applications.

If you’re doubtful regarding online payday loan applications, you should check out these positive factors:

Online Lenders Have Fast Transactions

Since many lenders are now offering their loan packages in the cyberspace, the speed of the transactions has greatly increased. After a typical application, you can get your money in minutes. The lender will typically send your money to your bank account. Another factor that contributes to transaction speed is the payday loan process. Payday lenders are known for their leniency in credit checks. As long as you’re employed, there’s a big chance that your loan application will be successful. Payday lenders also don’t need too much financial data. You can complete your application in one web page.

You Can Get Flexible Amounts

Are you getting tired with lending firms that can’t give you flexible loans? In that case, payday lenders can help you out. While the typical amounts are low, you can always borrow anytime you want – as long as you’re a diligent payer. Amount flexibility is one of the best advantages of modern payday lenders. From £1000, they are now raising the cap to satisfying amounts. Conversely, the rates will also increase. After all, lenders still need to make money. To find lenders with variable loan amounts, visit websites that have comprehensive lender lists. The list will give you enough recommendations.

Loan Forecasting – Know Your Debt More

Payday lenders have different ways to calculate everything about your loan – APR, interest rates, penalties, and additional fees. You will even get the opportunity to see your loan unfolding through a simple loan calculator. This is free in any lender’s website, so use it properly. Aside from learning about the amount that you need to pay, the lender calculator will also help you decide if the loan is definitely worth your time. In a way, the embedded loan calculator will assist you in forecasting.

Lender Websites Have Useful Content

Since payday lenders are competing against each other in many possible ways, the number of valuable content has also increased greatly. Payday lender websites are commonly filled with financial information like ‘how-to’ articles, loan discussions, economic implications, and may more. As you visit a lender’s website, it won’t hurt to read the few blog entries posted. Who knows? You may even get a very useful tip that can change your financial perspective.

You Can Find Multiple Recommendations Too

As you surf the Web for the right payday lender, it’s not surprising if you came across some big names. This simply means that you’ll have dozens of lender choices with varying loan rates, processes, and reviews. Some of the most useful recommendations can be found in social media. Here, satisfied and dissatisfied clients are vocal about their lender experiences so you know which ones you can trust.

You Will Save Time

While secured loans will give you higher loan amounts, they will devour large chunks of your time. Due to an in-depth credit checking process and other security methods, banks can delay your application by few days. It’ll even be frustrating once you learned that your application is denied. With payday lenders, this won’t happen. You’ll get the result minutes after your application. Even if your application is denied, you’ll be referred to another payday loan provider.

The Direction of Payday Loans for 2017

Among many other things online, payday loans are heading towards a positive scale. More and more lenders are joining the game, granting leverage to all potential borrowers. In the middle months of 2017, payday lenders will probably come up of new loan packages built for people with low credit rating. As for the rates, they will probably remain the same or gain substantial increase parallel with borrower demand. To learn more about the progress of payday loans, observe popular lending channels. Online news can help you gauge the approximate range that payday lenders can give you.

There’s no doubt that the best payday lenders can be found online. If you need quick cash, hit the search engines. Find out the top five guaranteed payday loans online in the first page and start viewing their offers. Very likely, you’ll find one payday lender that you’ll trust.

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.