12 Month Loan
We are a direct lender providing affordable 12 month loans
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Representative Example
If you borrow £500 over 12 months, your total repayment is £929.40. Your monthly instalments will be £74.95 and a one off 6% administration fee of £30. Annual Interest (fixed) is 125% per year with a 280% Representative APR.
New customers can apply for a loan of up to £1000 for between 6 and 12 months. Existing customers can apply for a loan of up to £3,000 for a maximum 18 months.
12 Month Loans
Everyone is counting the cost these days. Prices of so many necessities of life continue to rise and rise. Which can mean that when you are suddenly faced with an unexpected expense, there is no money to deal with it.
For example, what would you do if a major household appliance needed replacing, or you were faced with a vet’s bill or arranging a journey to deal with a family emergency?
The good news is that a 12 month loan from Fair Finance could help you to sort things out. We offer loans of up to £1000, which you can repay over a period of up to 12 months.
The advantage of a 12 month loan is that you have plenty of time to make your loan repayments. You get the money you need upfront, but have 12 months to pay it back. You can repay your 12 month loan in either weekly or monthly instalments, whichever works best for you.
At Fair Finance we believe in being open and transparent, so we make sure that you understand the cost of your 12 month loan right from the start. You can do this by using the slider on this page.
Even if you have poor credit, we may still be prepared to offer you a 12 month loan as long as the repayments are affordable for you. We are more interested in your current financial circumstances than things that have happened in your past.
You can apply for your 12 month loan online by using the Apply Now button above. We aim to give you an instant decision and, if your application is accepted, pay the money into your account within one working day.
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WHY BORROW A FAIR PERSONAL LOAN
Bad Credit? On Benefits? New to the UK?
Discounts for existing customers
No hidden surprises
LET US ANSWER YOUR FAQ’s
We are a direct lender providing affordable loans of up to £3000
How can I apply?
It's easy to apply for a loan either online or by phone. If you apply online, we are likely to give you a call to confirm some of the information you provided. We will also give you a call to go through the key terms of the loan contract if you are approved. If you apply by phone, provided we have all the right information, you can complete the whole process in one go with the help of a friendly Personal Loans Officer.
I have defaults, CCJs or other issues with my credit file. Can I still get a loan?
We do lend to individuals who have CCJs and defaults. Don’t worry if you have a bad credit history. The most important thing for us is less the past and more the present, and in particular if you are up to date with your current commitments.
How long does it take to get the money in my account?
After you have completed your online application form and submitted your bank statements, our team gets back to you with a decision within one working day or 24 hours. Remember, if we don’t have your bank statements, we won’t assess your application. In some cases, we may need to require extra documents such as a proof of ID or address. Once all documents are provided, the loan contract can be signed. Once it is signed, we deposit the money in your account on the same day during week day, and on Monday if you sign your contract on the weekend.
Any more questions?
Money worries? Need information or Advice?
