12 Month Loans

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Secured and Personal Loans
We are a licensed credit broker, not a lender.
Loans for Homeowners and Tenants
We are a licensed credit broker, not a lender.

No upfront fees to help you find a loan*

No upfront fees to help you find a loan*

For A Loan Over 12 Months

The United Kingdom has recently started to exit a pronounced recession, but even though we are starting to see the beginnings of a recovery, many individuals are still not able to secure the finance necessary to make ends meet and lead their daily lives in financial stability.  Unfortunately, these very same consumers may also have poor credit; meaning their ability to secure a loan from a bank or main stream lender remains low.  Thankfully, there are other options available.

There are now lenders available offering  12 month loans to clients looking to get their finances back in order.  These lenders will asses the customer’s ability to repay the loan at the quoted interest rate, and review circumstances as they stand now.   This is great news for people who may have had credit issues in the past, and it gives them a better chance of being accepted for the loan they need.
If you think you need a loan for twelve months, as always, it is vital you know you can afford the repayments.  Paying back in full and on time will start rebuild your damaged credit rating and give you the best chance of being accepted for better rates in the future.  The interest rates you have access to now will be higher than the high street, but can still be a good tool in getting you back on your feet as long as it is affordable to you.  Apply today using the form below and see if Easy Loans Company can help to find the solution for you.

Let us look at the some of the primary features of a 12 month loan, including what you can expect if you decide to apply.

 

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Quick Approval

One of the advantages of this type of loan is that the approval process is often quick and easy. In fact, as long as no further information is needed to process your application, most will be approved online in a matter of hours or even minutes. This is where 12 month loans differ to more formal funding such as those provided by a bank.  These will often require lengthy manual credit checks and longer processing times.  Online twelve month cash advance lenders will gather most of the information required electronically, including verifying your application details against your credit report instantly.

Installment Plans

The nature of funding for 12 months means that the finance offers regular instalment options.  The money owed will generally by directly debited from your debit card on a monthly basis.  This will streamline the payment process and help to ensure that the borrower does not forget when a payment is due.  An instalment plan will aid in avoiding late fees and higher interest rates, as it will be one fixed monthly amount, on a fixed date every month, allowing for effective budgeting.

Interest Rates

Obviously, the interest rates attached to 12 months loans for bad credit will be noticeably higher when compared to more traditional loans through a bank or other mainstream financial institution.  This is due to the fact that the borrower may be at a higher risk of defaulting and therefore, the lender will need to charge more for purposes of financial protection.  Still, these rates are clearly defined during the approval process and the customer will always be made aware of the overall cost of the loan well before the money is sent.  It’s important to read through your credit agreement before deciding to go ahead with the loan.  Make sure you are comfortable with the overall cost of the loan, and that you can afford the payment both now, and in the future.

Choosing a Lender

There are a range of lenders offering 12 month loans in the market, all with different lending criteria and interest rates.  Using a broker who has access to a panel of lenders specialising in 12 month loans may give you the best chance of finding the correct solution for you.  They will search the market for you and get a decision on whether you qualify for the finance.  Apply today with EasyLoansCompany.co.uk and we’ll get to work for you…

Commonly Used Searched Online Funding Terms

*  Loans for 12 months direct lenders
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THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THE WEBSITE IS SUBJECT TO UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CUSTOMERS IN THE UK.

PLEASE THINK CAREFULLY BEFORE SECURING LOANS AND OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. SECURITY MAYBE REQUIRED.
ALL LOANS ARE SUBJECT TO AN ASSESSMENT AND CREDIT APPROVAL.
ALL RATES VARY SUBJECT TO LOAN AMOUNT, LOAN TYPE AND STATUS.
REPAYING YOUR DEBT OVER A LONGER PERIOD OF TIME MAY INCREASE THE AMOUNT YOU PAY.
WARNING – LATE OR MISSED PAYMENTS CAN CAUSE YOU SERIOUS MONEY PROBLEMS AND COULD SERIOUSLY AFFECT YOUR CREDIT RATING. FOR HELP GO TO MONEYADVICESERVICE.ORG.UK.

EASY LOANS COMPANY ACT AS A BROKER PROCESSING THE INFORMATION THAT YOU PROVIDE TO US AND PASS THIS ON TO OUR LIMITED GROUP OF THIRD PARTY LENDERS AND BROKERS.
WE DO NOT CHARGE A BORROWERS FEE FOR THE USE OF OUR BROKERAGE SERVICES, HOWEVER WE DO RECEIVE COMMISSION FROM LENDERS (OR OTHER BROKERS) WHEN BORROWERS SIGN INTO A CREDIT AGREEMENT FOLLOWING AN INTRODUCTION THROUGH THE EASY LOANS COMPANY WEBSITE.
IN THE CASE OF SECURED LOANS THE FEE RECEIVED MAY BE UP TO 7%. TELEPHONE CALLS FROM UK LAND-LINES ARE USUALLY FREE, HOWEVER CHARGES VARY FROM MOBILE PHONES SO PLEASE CHECK WITH YOUR NETWORK PROVIDER. CALLS MAY BE RECORDED FOR TRAINING AND MONITORING PURPOSES.
AS OPERATOR OF THIS WEBSITE, EASY LOANS COMPANY IS NOT AN AGENT OR REPRESENTATIVE OF CONSUMERS OR ANY LENDERS AND THEREFORE DOES NOT ENDORSE THE SERVICES OFFERED BY SPECIFIC LENDERS.
THE GUIDANCE AND/OR ADVICE CONTAINED WITHIN THE WEBSITE IS SUBJECT TO UK REGULATORY REGIME AND IS THEREFORE PRIMARILY TARGETED AT CUSTOMERS IN THE UK. FOR MORE INFORMATION ON HOW WE HANDLE YOUR DATA SEE OUR PRIVACY POLICY [ *FOR FURTHER DETAILS ABOUT EASY LOANS COMPANY SEE OURTERMS AND CONDITIONS

Easy Loans Company is a registered Trading Name of Nationwide Direct Financial Limited which is an Introducer Appointed Representative of Quint Group Limited, and is entered on the Financial Services Register under reference number 723650. Quint Group Limited is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference number: 669450. Nationwide Direct Financial Limited is registered in England and Wales (Company number 05999918), Registered Office; 84 Princess Street, Manchester House, Manchester, M1 6NG. Licenced by the Information Commissioners Office, (registration number Z9808421).

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