12 Month Payday Loans
Being able to spread your loan repayments over 12 months gives you a great deal of flexibility. Keeping your repayments low can allow you to tailor the loan to fit your budget.
Online Loans
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Instant quote with a soft credit check and no fees.
Small loans can be sent the same day.
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Via Payday UK, you can apply for a wide variety of 12-month loans. You can borrow anywhere from £50 to £5000. We have streamlined the application process with our broker as much as we can, making your experience as seamless as possible. In some cases, the money can be in your account in a matter of minutes.
It can sometimes take a little longer because of your bank’s systems, which are beyond our control, but even slower 12-month loans are usually in your bank account on the same day*. Remember, taking your loan over a longer period will mean that you pay will more interest.
We've helped out
thousands of people...
£2000 for Mohammed in Smethwick
£500 for Anna in Launceston
£400 for Jessica in Huddersfield
£300 for Mark in Guildford
£600 for Elizabeth in Lockerbie
£250 for Louisa in Croydon
£200 for Michael in London
£300 for Anish in Essex
£1500 for Samuel in Harrogate
£200 for Natalie in Lincolnshire
£300 for Michael in Stirlingshire
£300 for Judy in Islington
£400 for Louis in Folkestone
£200 for Carly in Manchester
£1000 for George in Bromley
£300 for Glen in Dereham
£500 for Stuart in Worthing
£200 for Bartosz in Yeovil
£500 for Chanelle in Bradford
£400 for Anthony in London
£350 for Danielle in Bradford
£1000 for Rashid in Manchester
£200 for Vincent in Southport
£50 for Neil in York
£1000 for Martin in Lincolnshire
£300 for Hanif in Birmingham
£100 for Harley in Folkestone
£200 for Jane in Culross
£1500 for Mary in Motherwell
Will I be Approved?
The online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.
Check EligibilityPowered by Flux Funding
How it Works
We know you need your money as soon as possible. That’s why we have designed our website to be fast and simple.
Apply Online
Fill out our short, secure form and search an industry-leading panel of lenders to find your loan.
Check Your Offer
Once you have your offer from the lender, you can review the offer and get your cash.
Get Your Money
Once accepted, your money can often be paid into your account the same day.
More questions? We've got you covered
Traditional lenders typically provide loans over a longer-term. Some lenders will offer 12-month loans. However, many of these lenders will have strict criteria about the amount you can borrow over this period. Direct lenders are specialists at providing loans over shorter periods, such as 12-months. A Payday loan can provide you with an ideal solution to a short-term problem. This temporary nature is one of the reasons people like to pay them back quickly.
Our brokers panel of direct lenders is made up of household names and specialist lenders. This ensures we can offer you the best deal for your circumstances. However, whether they need a guarantor is often specific to each lender. Some will ask for a guarantor for a 12-month payday loan, and others will not. Even if you do need a guarantor to get the best available rate, the process can still be completed quickly. A guarantor can be a close friend or family member.
We specialise in helping people with poor credit find access to loans. Our brokers panel of direct lenders includes several that specialise in offering 12-month loans to people that have struggled to get credit in the past. Your credit score is only affected negatively when a full credit check is performed, and you’re refused credit. Initially, lenders only perform a soft credit check. This doesn’t show up on your credit report.
If you accept a loan offer, the direct lender is required by the FCA (Financial Conduct Authority) to perform a full credit check. However, because you already know you meet their criteria, it won’t be a problem. If you then continue to make all your repayments on time, it should only have a positive impact on your credit rating.
You can repay your loan whenever you like. However, what this means for your loan (including whether it saves you interest) will depend on the terms of the loan you agreed to. If you’re unsure, contact the direct lender and ask them to clarify the point for you.
Payday UK’s broker provides access to 12-month payday loans that range from £50 to £5000. You can apply for any amount within this range, although smaller loans usually have a shorter repayment period.
Loan guides
These guides will help you find out more about the different types of loan and lenders available.
