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
your bank information to get an instant decision 24/7 (online 24 hours a day, 7 days per week)!

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Looking for a 12 month Pay Day Loan? Get a quote at the best rates and payment plans that work for you. Whether you have good or bad credit you can be eligible for 12 month loans.

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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 For BAD Credit People Online

Online 12 month loans for bad credit (If you have a bad credit rating / score) there is no doubting that you will struggle to be accepted as a customer by many high street banks. Especially in these times of cut backs and financial strains, banks and building societies are reluctant to lend you cash that you so vitally need because they see your financial history as a sign that you are not reliable enough to make repayments on time.

This is disheartening for many people, but, it does not mean that you will not get the cash that you so desperately need to tide you over. Twelve month loans for bad credit can be a great way to get your hands on the money you need for a short period of time. Generally, there are no credit checks in place so it does not matter about your history, and more importantly, you will receive a decision from your chosen lender almost instantly.

In basic terms, a 12 month loan for bad credit is a financial service offered by lenders looking to provide cash to individuals who cannot get normal loans because they have CCJs, arrears, have missed payments or have declared themselves bankrupt.

Generally, 12 month loans for people with bad credit are also normally offered in small amounts and are designed to be 'put on' amounts of money until you next get paid or until you are back on a secure financial footing. The money available will normally vary between $100 - $3000 and the generous payback period that they come with will certainly help to get finances under control.