Applying couldn't be easier. Just fill in the simple 12 month loans form here. Then add your name
and your home and work contact details. After that, you just need to add your salary details and
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Frequently Asked Questions

Please see our list of F.A.Qs about 12 month loans which includes information about repayments, applications and everything else you need to know. Get informed!

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12 Month Loans Guide

Read our comprehensive 12 Month Loans guide. Everything you need to know about 12 Month Loans. An absolutely essential guide for anyone applying for these types of loans.

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12 Month Loans Guide

There was a sign in the pub window which said: 'Free pint of beer tomorrow'. Sounds too good to be true, doesn't it?

And so it is. Because, as the old saying has it, tomorrow never comes.

It's the same when a cash-flow problem causes you to put off buying something that you've had your eye on. You keep putting it off until another day – when you can afford it.

But why wait? Ever thought about taking out a 12-month loan? Never heard of it?

Then it looks as though you will soon be in the minority, because 12 month pay-day loans are becoming more and more popular with the general public. It's a great way to get your hands on some instant cash, which has to be paid back, as the loan title suggests, within a 12-month period.

So, that little something that you think you can't afford just at the minute, is now wonderfully affordable.
12 month pay-day loans are the ideal loan option for you as a salaried person requiring some quickly available cash, usually for up to $3,000, with a relatively longer paying back period  of up to one year. What a tonic! Just what the doctor ordered!

On the other hand, it may be that you have a poor credit rating and are desperately searching to secure a loan because you have been turned down by the high street banks and building societies. Then look no further. A 12-month loan could be a lifesaver for you. It will be offered to you without the need for a credit check. Your history is not taken into account. The slate is wiped clean. As far as most 12-month loan providers are concerned it matters not one jot whether or not your credit history involved IVAs, CCJs, defaults or bankruptcy.

So, if you are faced with a sticky situation, here is the answer. Twelve month pay-day loans are tailor-made for you, with their generous payback period of twelve months making them a particularly popular option. A loan like this could see you apply for the required amount of money and be accepted within a matter of minutes, with no questions asked.

12-month loans have the additional advantage of being available in small amounts. Your need is for just a bit of cash to help with an unexpected situation - and that is exactly what you will receive.

It may be that your car has broken down and you don't have the ready cash to pay for it being repaired. Yet you need your car to get around. You simply could not cope without your personal mode of transport. Just getting to work would be a huge problem.

But don't panic. Simply take out a 12-month loan. How?

Go on-line and you will find plenty of companies willing to help. Check them out. The process to apply is free from any kind of paperwork, as all you are required to do is fill in and submit an on-line form with your personal details. The funds are made available to you in the least possible time, either straight into your account or in the form of a cheque. No fuss. No hassle.

It has never been so easy to get the cash you need for today quickly and conveniently from the comfort and convenience of your own home. No need to travel or take time off from work. Just think, a five-minute application and your immediate troubles are over. Now you have 12 months –- to repay at your own agreed pace.

Just compare the sites for the best deal that suits your needs and budget without having to go through any of those tiresome credit check formalities. You will find that by applying for a 12-month loan no hard credit check you will be able to obtain between $100 and possibly $3,000 over that 12-month period according to your needs and pay-back ability. And remember, you can use the money to meet any short-term need. No restrictions.

It may be, as in your case, to pay a car repair bill, but the money can also be used to pay off other overdue debts, pay household and utility bills, pay to repair the washing machine – whatever you need at the time. So what are you waiting for?