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12 Month Loans

You can borrow upto £20,000
  • No paperwork
  • Easy to apply
  • Secure
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The Best 12 Month Loans at Your Disposal

At Big Loan Lender, we have a perfect understanding of your monetary situation. What we do is come up with solutions that can address the core issues. In case you are looking for an option that can help you with cope with the expenses, then it is preferable to consider the option of 12 month loans. We will assist by letting you attain the funds at convenient terms, which to a large extent significantly improves the financial solution. Other than these, we will make it more comfortable to you by offering flexibility, when it comes to repayments.

Big Loan Lender is striving to provide you with wide range of monetary solutions that are customised to suit the present day needs. The 12 month loans from direct lenders ensure that you are less likely to face any sort of hurdles, while applying. Besides, our experienced loan advisers will see to it that you stand to get the best offers on the loans in a viable manner. The funds attained thus can be utilised as per your need and demand.

Features of our 12 month loans

Instant decision - Big Loan Lender takes a few minutes to analyse whether to approve or turn down your application.

No fees - We charge no upfront fees as you put in your application. Our disbursal procedure will not throw hidden surprises at you.

Low Interest Rate - Managing your payments over a longer and more reasonable loans chance to get a stuck for taking a loan.


  • You must have come of age.
  • You must be the resident of the UK.
  • You must have a bank account.
  • You must have a steady source of income (the self-employed are also welcome)

What are the benefits of 12 month loans?

Our 12 month loans will help you avail following benefits that do not come with other short-term loans like payday loans:

  • Flexible repayments
  • Fixed monthly instalments
  • Help in building credit
  • Lower interest rates
  • No broker fees
  • Ideal for any unexpected expense

Bespoke Deals on 12 Month Loans with No Credit Check from the Reliable Lenders

What if you have a blemished credit history and you need funds to sort out the monetary crisis? Big Loan Lender acknowledges the hard times that you are enduring. This is why; we are now offering 12 month loans with no credit check. Exclusively meant for those who have credit problems, the loans provide funds in a viable manner, where the borrower then stands to resolve the monetary problems.

We are a one stop destination for the poor credit loans, where it is not necessary for the borrowers to have a perfect credit score. Big Loan Lender is a credible source for the installment loans, where we make sure to approve the loans to help our prospective customers get through their period of uncertainty.

Credible Options on 12 Month Loans for Bad Credit with No Guarantor

Choosing a loan alternative to deal with the escalating monetary crisis is a tough job. There are various aspects that need to be taken in to account. If you are confused and don’t really know what to do, then you can reach out to us. At Big Loan Lender, we will provide you the opportunity to avail the 12 month loans for bad credit with no guarantor. The loans offered are based on your prevailing circumstances, which then lets you to get the funds at very affordable terms. We will provide you the means through which you can manage the repayments and subsequently, you will then get a chance to enhance the credit score.

As far as the 12 month loans with no guarantor are concerned, Big Loan Lender will provide you the viable options that rightly fit in to your budget. You are free to apply for the loans at any point of time and with the application procedure taking place online, there is no place for any paperwork. Additionally, the loans we arrange do not come with any hidden fees and the funds get deposited directly in to the bank account.

Irrespective of credit status and your financial background, Big Loan Lender is here to help you. We are responsible lenders and with us you will find the right offers that suit your budget and specific requirements.

Why Choose Us
No Document Required Guaranteed Approval Competitive Interest Rates
Flexible Repayment Option Safe and Secure Lending Borrower friendly approach
Loans for Any Purpose Improve Credit Score No Late Payment Charges
Fund Transfer on same business day No Pre-Payment Fees Complete Secrecy to Your Personal Data

Loan Amount of credit: £1,300 for 24 months at £72.29 per month. Total loan repayment amount of £1,700.38. Interest Amount: £435.38. Interest rate: 30% pa (fixed). 30% APR Representative.

12 Month Loans FAQs

You can borrow up to £20,000 depending on your repayment capacity. We will examine your income statement before deciding the disbursal limit. We approve the loan only when you have the repayment capacity and try to provide personalised deal.

Fill out the loan application and submit it online. Wait unless you get the approval that takes hardly a few minutes. You will submit a few documents like your income statement that we will use to check your incomings and outgoings. It helps us decide on the amount you can afford. If you agree to all terms and conditions of the agreement, you get the amount directly in your account. This entire procedure takes less than 24 hours.

Each lender follows different policy and hence there is no particular score that all lenders will consider good. You can find these loans whether your score is good or bad, but the interest rate will vary.

It is not necessary. Every loan has its pros and cons especially in terms of the credit scores. 12 month loans have two scenarios for your personal credit score:

  • These loans can put your score from bad to fair or good category if you make proper repayments for a year.
  • In case of missing any repayment, it would naturally go on to negative side that would result in low credit rating or very p oor credit score.

Therefore, it depends upon you i.e. how you would follow the repayments because any loan cannot affect your credit score.

It is very easy friend because we are living in 21st century where the FinTech market in UK has turned many things into the favour of the borrowers. Nowadays, the flexible lending policies of the direct lenders, in particular, have made possible for everyone to get loan on his or her income status not on the basis of credit history. If you have low credit score, you still get desired funding from the lenders. The policy of ‘no credit check’ has also a major role to play.

When people with bad credit score can get loans, jobless individuals are also on the beneficiary side in terms of availing lending benefits. There are many lenders like Big loan lender providing 12 month loan for unemployed people, as they assume the extra or external funding arrangements as the base of getting well-timed repayments.

  • Unemployed borrowers can assure the repayments with their side income like rent, freelancing or self-employed work and get the approval.
  • They can also use the benefits that they receive from the government and make them the basis of repaying the borrowed amount.

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