Looking for 12 month loans?
At Instant Lolly, you can borrow 12 month loans from £100 to £3000. We also offer other repayment options ranging from 1 to 24 months, so you'll always be able to find a repayment plan that's affordable for you.
How do I apply for a 12 month payday loan?
Instant Lolly is a safe and convenient way to apply for 12 month payday loans online. We'll save you time and hassle, and help you get the loan you need faster.
If you think a 12 month payday loan from Instant Lolly is the right choice for you, just choose how much you'd like to borrow, select the 12 month term and start your application. If you're still exploring, why not use the slider to explore our full range of loans?
Our service is completely FREE to use and is available to UK residents age 18 and over. To apply for a 12 month loan with us, you must have a regular monthly income from a job, pension or benefits (minimum £500). You'll also need a bank account with a debit card, a mobile phone and an active email address so that we can process your application.
How much do 12 month loans cost?
Does a twelve month loan fit within your budget? Check out typical costs for the most popular loan amounts borrowed over 12 months.
|Repay in 12 Monthly Instalments*
* Examples are for illustrative purposes only. Calculations are based on annual interest rates between 71.3%–140%. If you apply with Instant Lolly and are accepted, the actual cost may vary depending on the lender you're matched with and the rate you are offered.
Other repayment examples
Twelve month loans not quite the right fit? Why not check out:
1 month loans,
3 month loans,
6 month loans,
18 month loans
24 month loans.
Repaying your 12 month loan
Most 12 month instalment loans are repaid in 12 equal monthly instalments. The lender will make arrangements to take repayments directly from your bank account on agreed dates. Your repayment plan, which forms part of the loan agreement, will set out the twelve instalment amounts and dates so that you can plan ahead.