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.

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The Pros and Cons of Guaranteed Payday Loans No Matter What

In the world of guaranteed payday loans no matter what, speed and chaos exist side by side. Guaranteed payday loans no matter what, as one of the types of unsecured loans, has become popular in low and middle-income areas. Despite the risk, many people resort to guaranteed payday loans no matter what because of numerous reasons. If you want to apply for a guaranteed payday loans no matter what, you must be well-aware of its advantages and disadvantages.

Here Are Some Of The Pros

Quick Application Process

Payday loans are known for their quick application methods. Typically, once you’ve applied for a guaranteed payday loans no matter what, you can get the money in just minutes. The loan amount is a factor that’ll be considered by the lender but there seem to be no problems with loans lower than £3000. If the amount is higher, then the lender may take extra precautions. It’s so easy to get the cash you need today.

Huge Chance of Approval

You’ll be approved for guaranteed payday loans no matter what your predicament is. This is the reason why the word guaranteed is included in the term. guaranteed payday loans no matter what became highly popular because of the high approval rate. Basically, 8 out of 10 applicants will have their payday loan applications approved. Those ones who were denied probably don’t have jobs or any other sources of income. Another probable reason is the limited funds of the lender. Many payday lenders run small-time operations, so their resource cache is not that high. To increase your success rate, you can go for direct payday lenders with established reputation.

Variable Interest Rates

While some people may say that guaranteed payday loans no matter what have a large interest rate, that’s not always the case. Rather, payday loan rates are variable and will adjust according to demand, economic situations, and the full disclosure of the lender. If you have an exact interest rate in mind, you might have a hard time finding a lender. A useful strategy is to come up with a range. Any lender you find within this range should be the right option.

No Credit Checks

Direct lender that offers no credit check payday loans don’t have credit check mechanics. This is one of the reasons why payday loan applications can be finished swiftly. Since many people feel uncomfortable with banks prodding their credit histories, guaranteed payday loans no matter what seem justifiable. Even though payday lenders don’t have credit checks, they will still consider your current employment status and spending habits.

No Collateral

Unsecured loans are also popular because there is no collateral involved. If ever you can’t repay on time, you need to cover penalties and other fees. Since payday lenders can’t seize any property you own, they’ll just send collection agencies after you. While you can spend your days running from your debts, the agencies will always find a way to get what is due. Still, the fact that payday lenders don’t issue collateral should give you enough breathing room.


High Penalties

Payday lenders will give you a huge financial advantage by releasing your money right away. But you must do your part and honour the deal. If you can’t repay the loan, you’ll incur high penalties – higher than what secured loans can even offer! It’s typical to see a borrower complaining about the outrageous penalty rates of payday lenders. This is the norm, so you just need to accept it.

Short Repayment Period

Payday lenders can’t run after your assets if ever you can’t pay. That’s why their loans often have short repayment periods. Typically, cash advance loans must be repaid within a week or two. Others will get your due on your next salary date.

A Taste of Predatory Lending

Predatory lending has been around for hundreds of years. More often than not, predatory lending can be traced to guaranteed payday loans no matter what lenders. While not all lenders are crooks, you must still proceed with utmost care. You must research about the trusted lenders within your area. Also, don’t forget to trust your intuition.

Bad Rap from Mainstream Lenders

Mainstream lenders often look down on guaranteed payday loans no matter what. This bad rap comes from the credibility issues of few payday lenders in the past. Even though the bad rap can be backed up by many valid sources, you should maintain an objective stance. Don’t rely on rumours – just focus on solid data with enough research.

No Other Perks or Privileges

Big lenders, especially those offering secured loans, often have a string of different privileges. Some of these privileges are discounts, gadget perks, and other accessories. Guaranteed payday loans no matter what lenders don’t have privileges because they don’t have big sponsors. You can still take your chances though, especially now that payday loans are getting more recognition.


Taking a guaranteed payday loans no matter what is like holding a double-edged sword. You might get wounded, especially if you’re not vigilant. However, if you manage your guaranteed payday loans no matter what well, it’ll possibly be the quick solution to your financial dilemma.

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.