Borrow from £100 to £25,000

We Cater For All Types Of Credit History So Dont Worry If You Have Poor Credit! We Can Find A Solution For You! Our Application Process Only Takes Two Minutes From Start To Finish!

  • Apply For £ 50 - £ 1,000
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N Whole of Market panel
N Trusted panel of lenders
N From £1,000 to £25,000
N Rates from 5.7% to 278%
N 3-36 month repayment




N Online decision
N Responsible lenders
N Borrow up to £3,000
N Rates from 278% to 1576%
N 3-12 month repayment

Representative Example: Cash price £7,500. Deposit £0.00. Total amount of credit £7,500.00.

60 monthly repayments of £137.22 Total charge for credit £733.20. Total amount payable £8,233.20. Interest rate 3.8% fixed. 3.8%APR Representative.

We are a Credit Broker and not a Lender

What You Need To Know About A 200 Loan Over 12 Months

There are lenders in the UK who provide 200 loans over 12 months to different borrowers with unique credit and financial circumstances. This means that if you have somewhat of a poor credit rating, you can take out a 200 loan for 12 months and enjoy a loan that works like an extended payday loan with fixed repayment amounts. If you are interested in the financial product and want to apply for it, here are some of the things that you might want to know.

Bad Credit History Doesn’t Matter But Will Make An Impact

While you can still get approved even if you have bad credit or do not have any credit history at all, it’s best to remember that credit history will normally be tied to your interest rates. This means that if you have a good credit history, then you will have lower interest rates for your 200 loan over 12 months and will have fairly higher rates if your credit history is not that good. These kinds of loans are called long-term personal loans or instalment loans.

A Steady Income Is Beneficial

When applying for a 200 loan over 12 months, it would help if you have a steady income that the lenders can easily look into to confirm that you can afford the loan and its repayments. This means that it would be easier for employed people to get approved as a payslip for the last three months of salary is often enough to convince lenders of your affordability. However, if you are self-employed or retired and living under benefits, there are still specialist lenders who can cater to your need for funding based on your unique circumstances.

The General Requirements

Every lender providing a 200 loan over 12 months will have different eligibility criteria to the next. With that being said, it would be best to check the eligibility requirements first before applying so you will know whether or not you are qualified for the loan service. Often, however, the requirements are:

  • Being at least 18 years of age
  • A citizen of the United Kingdom
  • Have an active bank account
  • Posses a regular monthly income that can reasonably afford the loan and its repayments

You can also apply for 200 loans over 12 months online and receive instant decision without delay, other loan amounts are available for those interested in other figures. This makes the financial product an extremely popular option to many borrowers in the UK as the requirements are not only minimal and lenient but obtaining them is also easy with online platforms that can tailor applications 24 hours a day and 7 days a week.

Implications For Non-Payment

If you decide to default from your 200-pound loan over 12 months, there are certain penalties that can be levied to you. First, your credit score will be negatively impacted and this could result in you not obtaining any credit in the future. There are also extra charges that can be levied in your loan deal if you miss out on your monthly payments based on the agreed terms and conditions.

What can I do if I wish to complain?

Information about complaints can be found in our complaints policy.

What if I can’t keep up my repayments?

If you can’t keep up with your repayments you must contact your moneylender immediately and advise your struggling with the monthly installments some companies will adjust your monthly installments to reflect what you can afford to pay back on a monthly basis please note that this can also extend your term of the agreement and probably the amount of interest that you end up paying back. You’re never advised to just stop paying your agreement as this may result in interest being charged on the agreement and missed payments showing on your file this could make obtaining further down the line a lot more difficult.

What do i do next?

Next is the fun bit you need to click on the apply button and fill out our simple online form designed to make sure the whole application as smooth and pain free as possible. The whole application process from start to finished shouldnt take you longer that 3 minutes its as simple as you can get.

*Subject to lender approval and requirements.