Do you have the less than perfect credit score? Are you in the need for quick cash? British Lenders UK is offering the right and easy way out to make your bad credit situation better and far more exciting than you have ever thought. We are the leading direct lenders in the UK, offering not just the loans, but improving your credit balance. Being the prominent resource for 12 month loans and regulated bad credit direct lenders across whole of the UK, our motive has always been to make you financially strong.This is why we provide 12 month loans direct to borrowers with no guarantor.

12 Month Payday Loans with No Credit Check

British Lenders UK offers you freedom from cash troubles. We approve your loan requirements in nice and easy way, without the need for any waiting. We give you the surety for quick approval of 12 month loans for bad credit and let the funds flow into your bank account. In fact, the loan advisers are least concerned, whether you have good or bad credit score. Our bespoke loan offers are always fresh and offered the year around. There are also no pre-conditions to procure the loan deals offered at 12 Month Loans No Fee. At British Lenders UK, we are offering loans for every need. We are the original, trustworthy and experienced 12 month loans direct lenders, working on the new age and secured lending concepts.

Direct Lending with No Credit Check

Are you looking for the reliable 12 months loan with no credit check through dependable direct lenders in the UK? British Lenders UK is offering various types of loans in the short term category. You now have the 12 month loans with no credit check. We guarantee you financial efficiency and valuable life.

Check out the latest deals on 12 month loans with no credit check. We will help you to improve your life, and ensure that funds are directly transferred into your account. Our loan advisers are ready to provide you with financial advice. Talk to them, right away. Call us on: 0203-332-2867

How Do 12 Month Loans Work?

Application procedure for these loans is simple and straightforward. Use an online loan calculator to know the total cost as well as monthly instalments. You must have a clear idea of the total cost of borrowings beforehand so that you can create a budget to avoid falling into a vicious circle of debt. Please note that the calculators demonstrate estimation only.

Before you put in the application, examine your credit need carefully. Take out the loan only when it is urgent. It is better if you avoid borrowing funds because of your temptations. Make sure that you will be able to manage your loan along with regular expenses.

12 month loans

Why Choose Us

  • Loans From £500 to £100,000*
  • Loans for any purpose
  • No complicated forms
  • Loans for people with Bad Credit and CCJs,
  • Bad Credit loan decision to suit your circumstances today!
  • No Upfront / Application Fee
  • Poor Credit customers - Accepted

It is important that you get funds as quickly as possible, which is why we make sure that transfer procedure is instant. We make all possible efforts to transfer funds on the same day when you submit the application form online. The shortlisting procedure takes a few minutes; if approved, you will get funds within a few hours. We do not charge upfront and hidden fees.

We provide auto-debit facility so that the repayment dates do not slip through cracks. As the due date approaches, the instalment will automatically be debited from your account.


  • You must be the resident of the UK.
  • You must have an operational bank account.
  • You must have come of age.
  • You must have a full-time job.

How to apply:

Follow these three simple steps:

Where You Can Use 12 Month Loans?

These loans can be used for a variety of reasons. While one may need funds to repay credit card bills, the other might need funds for planned expenditure such as home renovation. Once you have got money into your account, it is your discretion how you want to use funds. These loans are never sanctioned for a particular reason, as they belong to all purpose funding.

Though you can use these loans for any reason, it does not mean that you will borrow money for your temptations. You must have a reasonable intention behind it. Identify why you need the loan and how much amount you should borrow. A budget can help you easily determine your affordability.

British Lenders UK provides 12 month payday loans after careful examination of your income statement. Do not hesitate to get financial guidance if you are not able to decide on the type of short-term loan you should apply.

Advantages of a 12 Month Loan

This funding source outweighs the benefits of other short-term loans. See how:

Can I Avail a 12 Month Loan with Bad Credit Score?

These are generally unsecured funding and most of the lenders hesitate to approve if your credit history is disappointing, but British Lenders UK provides these loans to bad credit borrowers too. You are likely to pay a bit higher, but competitive, interest rates than good credit borrowers. These loans are worth taking out because they give you a chance to rebuild your credit. The application procedure and eligibility criteria will be the same. If you manage to repay your debt on time, your credit score will go up and you will be able to get a loan at lower interest rates in future.

Should I have A Guarantor to Apply for 12 Month Loans?

Instalment loans for bad credit and unemployed people do not require you to arrange a guarantor because we understand that it is not possible to arrange a guarantor with his good credit history within a very short period. However, we do not discourage you to do so if you want. With having a co-signer, you can get the deal at a lower interest rate. Remember that any default will not only pull your credit score but also your guarantor's too.

Why Should You Choose British Lenders for a 12 Month Loan?

Here are the reasons you should choose British Lenders UK when it comes to applying for this loan:

If you are looking to get quick and affordable funding, apply for 12 month loans here.

12 Month Loans FAQs

A: British Lenders provides 12-month loans to any UK citizen over 18 years age irrespective to credit score. We offer no credit check 12-month loans also for poor credit record holders. However, we suggest you to check your steady income that should be sufficient to pay twelve monthly installments without fail after meeting out regular living expenses.

A: The loan amount is decided according to your income, professional status, and previous record of debt paying. As being one of most trustworthy 12 month loans direct lenders in the UK, we provide maximum 12 months debts.

A: No, we are known as the premier FCA authorised direct lender in the UK committed to serve the most borrowers already in financial crisis. We don't charge any processing or uploading fee in advance. We offer '12 Month Loans No Fee' at least price.

A: We as being the trend-setter direct lenders in the UK provide twelve months loan at the lowest interest rate and APR (both are different). The total cost of 12-month loan, we provide, is always competitive and the lowest. However, the price varies according to your credibility but everything is made clear in advance before sealing the deal.

A: Yes, we appreciate such approach of repaying the debt earlier than the agreed repayment period. We never charge early payment fee.

A: No, we never suggest hiring a loan broker for quick 12 months cash help. The entire process is fast, transparent and easy. Our support team helps you to complete all the formalities. Getting 12-month loan from British Lenders, even it is first time for you, is as simple as counting 1-2-3.

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