How much would you like to borrow?

(Subject to eligibility and affordability)

  • Whole of market panel
  • Trusted panel of lenders
  • From £1,000 to £25,000
  • Rates from 5.7% to 278%
  • 3 - 36 month repayment

Representative 51.1% APR. Representative example: £2,000 borrowed for 24 months. Total amount repayable is £6,512.44. Interest charged is £4,512.44, interest rate 112.8% (APR variable)

Short Term

  • Online decision
  • Responsible lenders
  • Borrow up to £3,000
  • Rates from 278% to 1576%
  • 3 - 12 month repayment

Representative 305.9% APR. Representative example: £400 borrowed for 90 days. Total amount repayable is £561.92. Interest charged is £161.92, interest rate 161.9% (APR variable)


  • Online decision
  • Age between 18 & 75
  • Guarantor required
  • Rates from 49.7% to 49.9%
  • 3 - 36 month repayment

Representative 49.9% APR. Representative example: £2,000 borrowed for 24 months. Total amount repayable is £3,981.20. Interest charged is £1,981.20, interest rate 49.5% (APR variable) IS A LICENSED CREDIT BROKER AND NOT A LENDER.

12 Month Payday – Solving Your Cashflow Problems

Why Choose a 12 Month Loan?

Unlike other short-term loans, a 12-month loan gives you a more flexible way to make repayments. We can offer you the right credit, at the right repayment schedule to suit your budget.

If 12 months is not long enough to make your loan repayments over, we can also offer other repayment terms. This includes 18 months, 24 months and 36 months.

This makes receiving the cash you need tight now, less painful to repay in to the future.

A Good Alternative to Payday Loans

Our loans offer some clear benefits over traditional payday loans. A normal payday loan is lent across a very short term, usually around 30 days. This makes repaying them financially demanding.

On the other hand, a loan across a 12-month term or longer, makes repayments much easier to meet. Instead of paying back one lump sum after 30 days, you make smaller repayments across 12, 18, 34 or 36 months.

All of the loans we arrange, come with no hidden fees or setup costs. Additionally, there is no penalty for settling up your loan early.

What are 12 Month Payday Loans?

A 12-month payday loan offers several benefits, for people who are looking for a quick cash injection, with a longer repayment period than a normal payday loan. These include:

  • Simple application and fast approval – our online application form is quick and easy to fill out. It just takes a few minutes of your time. Once we have received your application, one of our team will contact you back almost immediately to discuss your needs more fully. We know that when you need cash fast, you can’t afford to wait around, so we make everything as quick as we possibly can.
  • Entirely flexible loan and repayment value – While it is fine to take out a loan at a round figure, such as £1,000 or £2,000, we don’t force you to do this. You are free to apply for the exact amount of funds you need. This will help you to keep your loan repayments as low as possible. We will help you work out what you can afford, and discover what you are eligible for. We can also help you decide when is the best time to make your repayments, is it easier for you at the start of the month or the end of the month? Would weekly repayments be easier for you to budget instead of monthly ones?
  • No hidden costs – we promise that we will not bury you under hidden costs and extra fees.We also grant our loans free of any early settlement penalty, you can pay up your loan balance at any time at no extra cost.

Are you ready to apply for your loan from 12 Month Payday? Then either fill in our online application form, or contact one of our loan team today.

We recommend that you consider your application for a loan carefully. It will involve signing a legally binding document, and making a firm commitment to keeping up with your repayments. If you fail to make repayments, your vehicle may be repossessed. Also consider the fact that a loan might solve your short-term cash flow problems, but it may not be a long-term solution.