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Twelve Months Short Term Lender

If curious whether we offer longer term lending, the answer is yes — we do! If that’s all you wanted to know, feel free to hit the “apply” button and in a few minutes you can have cash sent to you. Having more questions about the process or about who we are? Feel free to continue reading!

12 Month Payday LoansAmountAccepted
Short Term£100
Instalment£200
Payday£300
Logbook£400
12 Months£500
Over 12 Months£600

We have payback that can scale by the month. Whether you want a 3 month loan a longer term deal, we have a product that can meet your needs. They will have various fees (some higher, some lower) depending on your requirements and whether the lending will be secured or unsecured.

A 12 month loan is a type of lending that is sent to your bank when you borrow from a lender. They are generally repaid when you receive your pay. They also go by the names short term, cash advance or bad credit loan.

As you would expect, instant loans can give you higher amounts with lower fees than the unsecured variety. That makes sense though, right? Because the risk is greater when there is no security. At this point, if you want to get started, just click that apply button. If needing more information, keep following below.

Let’s make an assumption that this is NOT some type of secured loan, meaning you will not be putting up any sort of collateral. When you have a vehicle or home that you put up as collateral, we can work with that too (for less fees and less interest) — that scenario will be outlined later in this article. But for now, let’s address the situation with no collateral.

In that case, we require that you have a job or other form of steady check coming in on a regular basis. If that describes you, we can quickly send you cash. We do not require good history in this situation, in fact — we don’t even check. This is a no check application, the perfect option when considering yourself as having bad credit.

You can qualify, but it will be far more expensive than if it were secured. Such a long term is better handled as a logbook loan or even a mortgage.

With logboo, you take an item that has value to it — most commonly a vehicle — and you use it as collateral. That item then has a lien placed against it for the amount. Our company then issues a logbook to you, where it has many little stubs that you can tear off and send in with your payments on a weekly or monthly basis. When the last stub is sent in, the lien is released and there is no more lien.

Why would you go through that hassle? Because the lender has less risk, your fees are lower and the interest rate is lower. This is a much better deal for you, and certainly something you will want to take advantage of if you’re going for one with a duration of one year.

Another option is to take out a mortgage on your home. This could be considered the least risky proposition of all, and as such your fees would end up being the lowest, with the best possible interest of all options. Select the option that is best for your situation, then compare our fees and interest with that of our competitors. You’ll see the right choice, and when you’ve made your decision — we can get cash wired to your bank account within minutes.

 

Get matched with a direct lender today!

You will need to be over 18 and a UK resident with a valid UK address. You must also have a monthly income (from benefits or a job) and a UK bank account.

Warning: Late repayments can cause you serious money problems. For help, go to moneyadviceservice.org.uk