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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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 decide how much you'd like to borrow, select the 12 month term and start your application. Alternatively, use the slider to choose from the full range of loan amounts and repayment terms we're able to provide.

Our service is completely FREE to use and is only 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 instalment loans cost?

Amount Borrowed Each Instalment 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 for a loan with Instant Lolly, the actual cost may vary depending on the lender you're matched with and the rate you are offered.

More instalment examples

Twelve month loans not quite the right fit? Try 3 month loans, 6 month loans, 18 month loans or 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.

Get up to £3000 within an hour of approval

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Representative 1212% APR

Instant Lolly is not a lender but is a fully authorised and regulated credit broker.

InstantLolly.co.uk is operated by Amaze Media, a trading name of John O'Hara, 24 Buttercross Close, Burnley, BB11 5HB. Authorised and regulated by the Financial Conduct Authority, reference number 742221. Data Protection number Z3495700.

Subject to lenders approval. Time taken to transfer funds may vary depending on the lender. Instant Lolly does not work with all available lenders.