12 Month Loans.

£50 to £5,000 loans available today

How much do you need?

Online Loans
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Instant quote with a soft credit check and no fees.

Small loans can be sent the same day.

Over 7500 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 maximum 1721% 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 is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender. PaydayUK provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. If you accept a lender’s loan offer, they will perform a hard credit search. PaydayUK and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan.

Loans between £50 and £5000 over a 3-month to 36-month term.

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

Via 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 with our broker as much as we can, making your experience as seamless as possible. In some 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 on the same day*. Remember, taking your loan over a longer period will mean that you pay will more interest.

We've helped out
thousands of people...

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

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How much do you need?

Will I be Approved?

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

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Powered by Flux Funding

How it Works

We know you need your money as soon as possible. That’s why we have designed our website to be fast and simple.

Apply Online

Fill out our short, secure form and search an 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

Once accepted, your money can often be paid into your account the same day.

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 brokers 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 brokers 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’s broker provides 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.