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)!

Applying for a Loan?

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 - Online Direct Lenders

Direct lenders If you are looking into the option of a payday loan or a personal (installment) loan, you may want to take the time out to find the best lenders on the market that are more specific and tailored to your needs. Utilising payday loans as a means to get by has never been as popular and this has meant many more lenders and payday loan companies have entered the market vying for your custom. Because of this, it can sometimes be hard to determine which lender offers the best value for money and which company provides more of what you require.

If, like many people, all the deals and lenders sound the same to you - you should compare direct lenders through a payday loan comparison site, as this will give you a clear and in depth idea of who offers what, the interest rates that they charge, and whether or not there are any hard credit checks in place above all else. Many comparison sites also hand pick their lenders, so in many instances the lenders on offer will have a good history and reputation or be well established, so all you have to do is find the best deal for your circumstances.

On the comparison site for lenders, you will normally be presented with the name of the payday loan provider and many other vertical tables that highlight what they offer. These categories will normally include things such as the representative APR; whether or not you will be provided with a same day transfer; whether or not hard credit check is required; and the interest rate.

Look at these pieces of information correctly and see which lender offers the best deal and best suits your circumstances. In many cases there will also be the option for you to search the lender more in depth - you should always do this as you should know the ins and outs of the deal before you sign up to anything. Payday loan lenders are now ten a penny, but there will always be some that are more geared towards what you need than others - so do your homework.