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.

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

Loan amount
Loan term
3 months
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Loan amount
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2 Months
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Top 5 Guaranteed Payday Loans UK Providers

In the payday lending arena, it’s common to see lenders trying to outdo each other. They may apply different strategies, such as lowering their interest rates, widening client reach, and even offering new competitive programs. If you’re living anywhere in UK, you’ll find out that payday lenders have become more proactive this year. It’s also expected that the overall value of guaranteed payday loans UK will continue to climb.

Here are some of the best guaranteed payday loans UK:


Swift Money is a flexible loan provider that can offer guaranteed payday loans UK for up to £1000. While the loan allowance is not that high, you can benefit from Swift Money’s flexibility. Through a quick online application process, you can get your money in just minutes. Swift Money also has a high acceptance rate, making it one of the primary choices for quick guaranteed payday loans UK. If you value speed, service efficiency, and customer respect, Swift Money will suit your needs well.


As one of the big names in the payday lending industry, Peachy has created a large client base over the years. Peachy is known for its short-term loans that have higher amounts compared to the standard offers in the market. Aside from Peachy’s high-value loans, you can also have multiple payment options for convenience. With Peachy’s loans, you won’t be confused because the price structure is clear and there are no hidden fees to worry about. You can even repay your loan through installments, which is very helpful if you’re on a tight budget. Peachy is a payday lender that definitely understands your situation.


Many borrowers rely on 247moneybox because of its affordable short-term loans. If you need a loan that you can repay within few months’ time, 247moneybox is meant for you. However, it’s advisable not to pick this lender if you’re looking for a long-term financial solution. The company itself has indicated that their guaranteed payday loans UK packages must be repaid quickly. Otherwise, the scaling interest rates will cause you to sink in a deeper financial trouble. Nothing beats a lender that helps you become a responsible borrower.


WizzCash is a standard guaranteed payday loans UK lender that doesn’t put too much strain on your borrowing capabilities. You can borrow up to £1000, and you’re free to repay in installments for up to three months. Just like other prominent payday lenders, WizzCash is fast and not strict in doing its background check. As long as you entered the correct information in the application sheet, you don’t have to worry about your loan getting denied. Keep in mind that you must be employed before applying to Wizzcash. If your application is denied, due to some negative and constricting issues, you’ll be referred to other trusted payday lenders.


More often than not, QuickQuid is included in the top five or top ten lists of many borrowers. It’s one of the lenders that offer more than £1000 in short-term payday loans. A QuickQuid loan usually takes 3 repayment periods before it’s completed. If ever you cannot repay on time, QuickQuid will inform you beforehand. As much as possible, QuickQuid will offer you different solutions to help you settle your penalty fees. More importantly, the QuickQuid application process takes no more than 10 minutes. If your loan is approved, you can get your money right away. Unlike other rivals, QuickQuid issues loan money in weekends and even holidays. There’s no reason not to get your money once QuickQuid approves your application.

Choosing a Guaranteed Payday Loans UK Lender

Since most lenders offer the same amount (up to £1000), the real essence of the game is all about interest rates. You may be tempted to choose a lender that has very low rates but you’ll probably compensate for a longer repayment period. Aside from that, some lenders still vary when it comes to the strictness of their policies. Many lenders will claim that they don’t take credit histories into their investigative process. Yet only few are really adhering to this. So, before you pick a lender, make sure that you’ve done your research. Check out customer reviews to gather objective data. On top of that, you shouldn’t disregard the power of word of mouth. Ask your friends around if they know about some trusted lenders who can offer competitive loan packages.


If the terms of these five guaranteed payday loans UK lenders appeal to you, make an online application right away. By waiting too much, you may miss out on the best rates that these lenders can offer. You can even find other online lenders if you think the mentioned providers don’t fit your expectations. We do, however, guarantee to be able to match any offer put forward by these companies. By using Virtu Loans Financing we are able to find the very best guaranteed payday loans UK lender for you without the time and hassle of trolling through the internet to find them. We will do all the work finding the loan with the best interest rates saving you both time and money.

[ratings id=”1449″]

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.