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Looking for 12 month loans?

At Payday UK you can borrow from £100 to £2,000 from 1 to 12 months.

We offer monthly repayment options ranging from 1 month to 12 months so that you can choose a loan that fits your needs, with a repayment plan that is affordable for you.

When is your next payday?

You will only be charged interest up until your next payday when your loan is due to be repaid

Borrow: + days x interest per day = total to repay

Repayment Summary

Please ensure you can afford each of the repayments before applying

Amount borrowed: £
Length of borrowing: Time
First repayment date: Date
Each instalment amount: £
Total repayable: £

*Calculation is for illustrative purposes only. The actual cost and repayment summary may vary based on affordability and pay dates.

12 month payday loans are available from Payday UK

If you think a 12 month loan from Payday UK is the right choice for you click here to start your application. Alternatively use our loan calculator to look at the other repayment lengths we offer. 

Applying for a 12 month loan with Payday UK

To apply for a 12 month payday loan you need to be over 18 years old, be in permanent employment, receiving a pension or disability benefit/living allowance and receiving more than £417 after tax per month. We require you to have a bank account with a valid debit card and you must meet our credit criteria and affordability assessment.

Repaying your 12 month loan

Your loan repayment(s) will be taken automatically on the contractual date(s) using your debit card and the continuous payment authority you agree to when you sign your loan agreement.

Representative Example: £280 borrowed for 3 months. Annual interest rate of 292% (fixed). Total amount repayable is £467.73 in 3 monthly instalments of £155.91. Representative 1169% APR.

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

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