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Why Choose Us
My Personal Loans Why
You could Borrow £100 to £5,000 Instant Decision
What is the loan repayment term? 3 – 36 months 100% Online
How loan does it take to get funds? Funds in 10 minutes^ High Acceptance Rate
Do you charge Fees? We charge No fees Safe and Secure
What if i have poor credit history? All credit histories welcome No Obligation


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12 Month Payday Loans

Looking for 12 month payday loans? You’ve come to the right place. Here at My-QuickLoan we can help you borrow between £100 to £5,000 over 12 monthly re-payments. In fact, our application allows you to choose a loan re-payment term up to 36 months should you decide that you need a longer repayment term than 12 month loans.

What do I need to apply?

To apply today for 12 month loans, you will need to complete our simple application which has been designed to be as speedy as possible. You will also need to be aged 18 years or above and a UK resident.

Don’t worry if you have bad credit, we can still help those searching for 12 month loans for bad credit. We work with numerous 12 month loans direct lenders to help you get back on your feet, even if you have bad credit.

It’s important that you complete the application form with the correct details, as incorrect details may impact the decision that you are given.

How does it work?

By completely our quick and easy application, we submit your details over 50 + of the UKs direct lenders. This allows you to search the whole market in one application form, within seconds. If you are matched with a 12 month loans direct lender, you will then be re-directed to their website to complete your application.

The whole process from hitting the submit button on our application page, takes minutes to complete. What’s more to love, our service is free to use! That’s right, you won’t pay us any money for using our website.

How much does a 12 month loan cost?

The amount of interest that you repay on your loan will vary depending on various factors. Your previous credit history is one factor; having a lower credit score will impact the amount of interest you pay back as you are considered a higher risk for borrowing.

The lender rates that we work with vary from 278% APR to 1576% APR. However, the Representative APR (305.9%) is calculated as the average rate of what 51% of our customers will receive. So borrowing £400 over 90 days for instance, the total amount repayable is £561.92 which means you will pay back £161.92 in interest.

Will my credit score be checked?

If you are pre-approved by a lender, then the lender will perform a credit check if you decide to go ahead. So if you’re looking for 12 month loans no credit check, we regret to say that there is no such thing. Every lender has to perform a credit check, but don’t let that put you off applying as we work with numerous who can still help even if you’ve previously been declined.

Further questions?

If you have any further questions that you are not sure of the answer, then head over to our FAQ page where we have answered most of our customers frequently asked questions or head to our payday loan page for more information.

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