12 Month Loans.

£50 to £5,000 paid out by 3:19pm *

How much do you need?

Our loans
make sense

Instant quote with no credit check and no fees.

Small loans can be sent by 3:19pm today.*

Over 4500 no obligation quotes processed every single day!^

Representative APR 91%.

Representative Example: Borrow £500 for 6 months. Interest: £160.27 - Interest rate: 65% per annum (fixed). Representative APR: 91% - Total amount payable: £660.27. Rates between 9.3% APR and 1294% APR - your no obligation quote and APR will be based on your personal circumstances. Payday UK is a registered trading name Payday Loans Ltd who are an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


Warning: Payday loans should not be used as a long term financial solution. Late repayment can cause you serious money problems. For help, go to moneyadviceservice.org.uk.

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.

At 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 as much as we can, making your experience as seamless as possible. In most 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 within 10 minutes*. Remember, taking your loan over a longer period will mean that you pay will more interest.

We've helped out
thousands of people...

£600 for Elizabeth in Lockerbie
£250 for Louisa in Croydon
£200 for Michael in London
£400 for Anthony in London
£200 for Carly in Manchester
£300 for Judy in Islington
£200 for Jane in Culross
£1000 for Martin in Lincolnshire
£300 for Michael in Stirlingshire
£200 for Vincent in Southport
£300 for Mark in Guildford
£1000 for George in Bromley
£300 for Glen in Dereham
£400 for Jessica in Huddersfield
£500 for Anna in Launceston
£300 for Anish in Essex
£2000 for Mohammed in Smethwick
£350 for Danielle in Bradford
£50 for Neil in York
£100 for Harley in Folkestone
£200 for Natalie in Lincolnshire
£1500 for Samuel in Harrogate
£500 for Stuart in Worthing
£400 for Louis in Folkestone
£500 for Chanelle in Bradford
£1000 for Rashid in Manchester
£1500 for Mary in Motherwell
£200 for Bartosz in Yeovil
£300 for Hanif in Birmingham

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How much do you need?

Will I be Approved?

Our online Eligibility Checker is free and takes 60 seconds. Find out if you’ll be approved with no credit footprint.

Check Eligibility

How it Works

We know you need your money as soon as possible. That’s why we do everything we can to make the process fast and simple.

Apply Online

Fill out our short, secure form and search our 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

Your money can often be paid into your account within just 10 minutes.*

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 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 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 provide 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.