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.

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It won't affect your credit score
Representative 669.35% APR (variable)
View example

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. 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*
Amount Borrowed 12 Payments Total Repayable
£500 £79 £954
£600 £95 £1,144
£700 £111 £1,335
£800 £127 £1,526
£900 £143 £1,717
£1,000 £119 £1,427
£1,200 £143 £1,712
£1,400 £166 £1,997
£1,600 £190 £2,283
£1,800 £214 £2,568
£2,000 £238 £2,853

* 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 these popular alternatives:

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.

Ready to apply? Get up to £3,000 within 15 minutes of approval

(It won't affect your credit score)
Representative Example:
Representative 669.35% APR (variable). £250 borrowed for 30 days. Interest charged is £60.00. Total amount repayable is £310.00. Annual interest rate of 292% (fixed).
Important Information

If you do not make your minimum repayment by the agreed upon due date, you may incur additional charges and penalties. If you are having problems paying, please call your credit provider. For other sources of assistance, call the Step Change Debt Charity on 0800 138 1111; or National Debtline on 0808 808 4000; or visit moneyadviceservice.org.uk; or visit your local Citizens Advice Bureau.

Loan approval: All loan offers are subject to lender final approval. Approval/transfer times vary by lender. Not all lenders may be able to transfer funds in 15 minutes. Approvals/transfers may take longer for applications processed outside normal working hours. If your bank does not support faster payments, it may take longer for funds to reach your account.

Credit checks: When assessing your eligibility for a loan, lenders will carry out a soft search; only you can see them on your credit report and they have no impact on your credit rating. If you accept a lender's loan offer, they will perform a hard credit search which will be visible to any company searching your credit report for 12 months.

Instant Lolly does not charge customers a fee for using its services, but it receives a small fee from lenders or other brokers following an introduction through this website.