12 Month Loans for bad credit

Are you in dire need of a good loan now but your bad credit holds you back? With today's unemployment rates and economic condition, more and more people are taking out different kinds of loans to pay for their bills and everyday needs. But, with the aggressive loan terms and high interest rates, you could end up drowning in debt. Good thing that 3, 6 and 12 month loans are now here to finally put an end to your financial worries!

  • 12 month loans no credit check direct lenders
  • No guarantor needed, get same day pay-out !
  • Easy repayment options of 3 month, 6 month and 12 months
  • unsecured and payday loans are available
12 Month loans
12 Month payday loans

How to apply for 12-month payday loans with bad credit?

A 12 month payday loan could be the perfect answer for those who cannot pay within 4 weeks or less. This is especially helpful for people who have bad credit. 12 month loans for bad credit are here to make things easier and more convenient for you!
At Easy Fast Loans, it is a safe, quick and easy to apply for 12 month payday loans. It's hassle-free and we'll save your time with less paperwork and online application for 12-month payday loans.
Decide the loan amount and make the right choice for your next 12 month payday loans. Choose a term from 3, 6 or 12 months and borrow from £100 to £2,500.

What are 12 Month Loans?

As the words "12 Month Loans" suggest, these loans are given out for a period of 12 months or less. The duration could be anywhere between 1 month and one year. These loans are unsecured personal loans. They are most suitable for people who are looking for some cash assistance but are willing to pay it back in more than 30 days’ time. We offer a 12 Month Loan for as little as £100 and as high as £2,500. In some cases, we also consider the amounts as high as £5,000 or more. At Easy Fast Loans, we follow an extremely flexible approach. We are able to provide our 1 Year Loans to all kinds of customers, irrespective of their credit ratings. It is also understandable that not every customer will be able to present a guarantor or any security. Even if you are a tenant with no contacts to take ownership of your repayments, we will be able to arrange a loan for you.

Do I need to provide any security or valuables to get a 12 Month Loan?"

No, you do not need to. Customers generally take 12 Month Loans to take care of certain pressing needs. These needs could be urgent in nature or could be the one requiring attention in a few months. Whatever your need is, our aim is to offer a simplified solution. You could be a customer who does not own any property or assets. You could also be the one without any valuables. No matter what your present situation looks like, we make sure you get the right kind of 1 Year Loan approved and credited without any delay.

Can I get a 1 Year Loan without any guarantor?

Yes, you can. A guarantor is a person who stands on your behalf and takes the ownership for your loan repayments. Traditional loan providers ask customers to present a guarantor while applying for unsecured loans. This guarantor could be your friend, relative, family member, acquaintance, etc. The presence of a guarantor often makes 1 Year Loans less risky for the established banks.
We, at Easy Fast Loans, unlike the traditional loan providers, prefer taking a higher degree of risk for the sake of our customers. We analyse every customer’s personal, financial circumstances and do not necessarily rely on their ability to bring a guarantor. With guarantor or without a guarantor, you are sure to get the best options for 12 Month Loans. You may check our NO GUARANTOR LOANS for further details.

How can I get a 12 Month Loan with poor credit scores or bad credit?

With us, you can get a variety of 12 Month Loans, without perfect credit footprints. These loan durations could range from 1 month, 3 months, 6 months, to one year. We completely realise that not every customer in the UK will have a spotless credit history. Due to a number of reasons, many people, no matter how smart they are with their finances, end up acquiring poor credit scores. Your bad credit could be a challenge for you while applying for loans through traditional means, but not with us.
We offer a more empathetic approach. In many instances, we do not deny customers the cash they need because of their less than perfect credit reports. No matter how your credit looks like, you are able to apply for our BAD CREDIT LOANS without any unnecessary questions or unreasonable scrutiny. 9 out of 10 customers are able to get some or the other kind of 12 Month Loan.

What is the maximum amount I can borrow through 1 Year Loans?

The maximum amount you can borrow through 1 Year Loans could vary from customer to customer. It could depend on a number of factors. We are able to provide loans up to £2,500 and in some cases, and the upper limit could reach a maximum of £20,000 or more.

How is the interest rate calculated for a 1 Year Loan?

The interest rates or the APRs, popularly defined as the total cost of borrowing money, remain fixed during the term of the loan. The term for such loans could be anywhere between 1 month to 1 year. The interest rates could vary depending on the precise duration of the loans. As a general practice, we try to provide our 12 Month Loans for as low as 4.5% APRC. It could go up to 12.5% APRC. The representative APR could be around 12%. We provide convenient repayment schedules and highly competitive interest rates. Our low APRs and fixed monthly instalment system ensure peace of mind for our customers. As they are aware of their repayments, they are able to plan their expenses, well in advance. In many instances, we also let you use our free online Interest Rate Calculators. These tools help you decide the best suitable 12 Month Loan for yourself, even before starting the application process.

What are the repayment options for personal Loans?

You are free to decide your repayment options as per your ability to repay. We do not impose our opinions on customers. We let you decide the most suitable repayment structure for your personal loan. Depending on your circumstances, you can choose any duration, any number of fixed monthly instalments, from 1 to 12. Some customers prefer to pay back their loans in 3 months and others take a much longer time, ranging from 1 month to 10 or 12 months. It’s totally up to you.

Why Choose a 12 Month Loan?

One of the many reasons why you should choose 12 month loans is because of the longer repayment period compared to traditional 1 month payday loans. These loans also have fairer terms compared to traditional bad credit loans. But the really best thing here is that the moment you repaid the loan back in the agreed time, your credit score will see a dramatic improvement. After that, you can borrow a bigger amount of cash the next time you need a loan.

12 month loans for bad credit
Where can I spend my twelve months loans amount?

You are free to spend your 12 Month Loans in whatever way you want. It is up to your wishes. As long as the amount is spent in a legal and reasonable manner, we do not bother to ask about the reasons for taking out twelve months loans. One can spend it on emergency home renovations, car repairs, paying utility bills, long pending card bills, consolidating your debts, etc.

How quickly can 12 Month Loans be credited to my checking account?

It's a matter of hours and sometimes instantly, on the same day. Yes, that’s true! Our aim is to always ensure that customers get the money they need in the fastest possible manner. That's why we do not take you through complex procedures. Post a quick, online application, your 1 Year Loan amount gets credited to your savings account in a matter of a few hours.
Customers who do not have a checking account and need quick cash can also consider our doorstep loans.

Can I get 12 month loans without credit check?

When trying to borrow a loan and bad credit ratings become barriers. However, there are still ways to secure your finance and get the funds you need with "12 month loans bad credit" from the direct lender.
12-month loans with bad credit are useful and helps you to pay off bills or debts which have a high-interest rate. Bad credit isn't the issue as we may offer you 12 month loans with no credit check. Your poor financial history is not a hurdle anymore. Borrow money you need to fulfil your short-term needs. We approve 5 out of 8 applications on 12 month loans no credit check.
We understand our customers and their financial life, after all, you may need access to extra money from time to time. This is why we offer personal loans without hassle to our customers at affordable repayments.

How can I apply for a 12 Month Loan?

You can apply for our 12 Months Loans through an easy online form. This quick online application hardly takes 2 minutes. One does not need to walk up to a branch or an office. We offer instant approvals and same day credit for most of our customers. APPLY NOW !!

Financial details: Rates from 4.5% APRC to 12.6% APRC are available - the highest rate is for customers with severe credit problems. Loans are available from 1-25 years.
Representative Example: Assumed borrowing of £26,000 over 84 months, with a borrowing rate of 5.86% per annum for the 84 months. There would be 84 monthly instalments of £415.52. Total amount payable £34,998.68 comprised of; loan amount (£26,000); interest (£6,328.68); Broker fee (£2,080.00); Lender fee (£590). This would result in an overall cost of 9.2% APRC.
TYPICAL 10.9% APRC variable. This means 51% or more of customers receive this rate or better.
Unsecured Loans are available from £1,000 to £25,000. Representative 12.6% APR variable.
Consolidation Warning: If you are thinking of consolidating existing borrowing you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.
Standard Warning: Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.