Apply Today to Borrow up to £995
3-12 month repayment
Rates from 278% to 1576%
Apply Today to Borrow up to £25K
3-36 month repayment
Rates from 4.7% to 278%
Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92 in 3 monthly instalments of £187.31. Interest charged is £161.92, interest rate 161.9% pa (variable)
Simple Application Process
Safe & Secure
Absolutely No Fees
Fully Legitimate and FCA Registered
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
Competitive Examples From Other Companies
Representative Example: Amount of credit: £300.00. Term: 91 days. Interest: £155.35. 3 monthly payments of £152.63.
Total Repayable: £455.35. Interest Rate: 292% pa (fixed) Representative APR: 1264%.
Common Questions About a Vamoola Payday Loan
Can I get a Payday Loan from Vamoola?
To see if you qualify for a Vamoola payday loan, you can apply online or on your mobile phone. As long as you’re 18 years of age, have a valid UK bank account, are employed and receive a regular paycheque, and are a resident of the UK, you can apply at Vamoola! After you apply, we process your application and give you a decision on your application.
What if I need more time to repay my loan?
If you find yourself needing more time to repay your Vamoola payday loan, contact our customer service team immediately. We’ll work with you directly to come up with a solution to help you set up more manageable payments.
You can contact us via email, phone or live chat seven days a week!
Does Vamoola offer a “Quick Payday Loan”?
A “Quick payday loan” is something that lending companies like to advertise, and as a result, it’s something consumers are looking for. But some companies that offer a quick payday loan don’t always have the consumer’s best interest at heart. That is why we will tell you that Vamoola does not offer a “quick payday loan” — but once you submit your application, we will review your information and make a loan decision, typically within 30 minutes or less. If approved, we’ll send the cash to your bank account within 10 minutes after approval, and we think that’s pretty fast.
The Quickest and Easiest Way to Get a Payday Loan
It’s not easy for everyone to obtain approval for a payday loan. Banks may turn you down if your credit isn’t good enough. Other lenders may take one look at your income and deny you based on how much you make. Here at Vamoola, we make it easy to get a loan. In fact, you probably won’t find an easier way to obtain loan approval.
The Application Process
That’s because of our unique application method. You don’t apply directly to lenders, getting turned down by one until you find one that will take you on. Instead, you fill out our short application form, and as a broker, we filter your application through the many different guidelines and requirements that our lenders have in place for their payday loan. We find the loan that works best for you from the lender that is most likely to approve you for that loan.
We have lots of lenders to onboard, so it’s never a problem to find one that will give you a loan, no matter how bad your credit is or what your financial situation is like. We have lenders that have loans available for all kinds of credit histories. It doesn’t matter what yours is, because there is a loan waiting for you. We make it easy to find, since we do all the searching for you. It only takes a minute or two to fill out the form, and then you can get a result back in a few moments after that. It’s so fast that you won’t have time to look anywhere else for the loan you need and you won’t have to. The turn around is so fast you will be surprised at how quickly you can have money in your account. The lenders are very quick to respond as, like us, they have a team that filter through each application the moment it comes in. What this means is that you will save more time and money than trying to filter through the companies yourself, let us find the best lender for you.
How You Receive Your Money
It’s also very simple to get the money from your loan once you have been approved. We use reliable lenders who will send the funds directly to your bank account. It can take as little as 24 hours, but some lenders do take up to three days to deposit the funds. Once the funds are in your bank, you have access to them immediately. Just be sure you pay attention to the repayment terms so you are prepared to pay the money you owe by the time it is due. Before you can be approved for a loan and the money can be sent to you, you will definitely need to provide the lender with banking information. They need to know where to send the funds. They may also require that you answer some additional questions or that you provide some further documentation. The process varies from one lender to the next, so please pay attention to their individual requirements.
What You Will Pay
You will always be required to pay the base amount that you borrowed back to the lender as well as a percentage of that in the form of interest. The interest will be compounded the longer you take to repay the loan and interest. There may also be an initial fee to pay, and there will certainly be late fees and other expenses that accrue if you pay late.
How much the interest is, how long you have to pay back and even the base loan amount will all depend on the kind of loan you have. Short term loans tend to be smaller in size but have higher interest rates. Long term or private loans tend to be larger and have lower interest rates.
Be sure you look over the terms of the loan agreement before you sign up for one. If the terms are not agreeable to you, then simply request a different one from us at Vamoola. We want you to be happy with the loan you get.
3 most recent personal loan reviews
Simply amazing! Quick, professional and understanding. Great agents over the phone. Thanks for helping me again!
Review posted by Shah Azad, Brighton
Ease Of Use
Value For Money
The best and more serious loan company, Moneysupermarket without a doubt! Fantastic customer services and great communication , lots of good advice in how to manage your loan and very reasonable rates in accordance to your possibilities. Perfect for that extra pending project without making a big dent to your monthly income. Highly recommended!
Review posted by Maria Bidell, Manchester
Ease Of Use
Value For Money
This has proven to be an excellent service. Quick, efficient and trusting.I would definitely recommend Giffgaff loans to friends and family in the future.
Review posted by Donna Blanford, Glasgow
Ease Of Use
Value For Money