I want to borrow


When you were a student, you had to attempt unit tests, mid-term exam or final-year exam. You could not go away with them, and you had to attempt those tests to get good marks. Further, you got good marks because you had prepared well.

In similar circumstances, your financial life also has several tests, and you have to go through them. Here, exams come in various events, such as unexpected bills, medical emergency, unemployment, and many more. These scenarios will arrive, and you cannot go away from them.

PREPARATION is the only way to come out successfully from these obstacles. Yes, you have been accumulating funds as savings, but they cannot survive you all the time. The only option remains for you, and it is none other than LOANS.

12-month loans offer the ideal financial way to combat unexpected circumstances. These short-term loans bring the desired funds quicker than expected and with fewer obligations to follow.

24cashfinances, a responsible direct lender in the UK, brings these installment loans on bespoke features, including:-

  • Competitive Interest Rates

  • Flexible Repayment Plans

  • No Upfront Charges

  • Easy Monthly Instalments

  • No barrier of Past Credit

You get the affordable loan deals but according to your income capacity and recent financial commitment.


12-month loans from direct lenders come into the category of short-term personal loans, which are paid through specific monthly instalments. These loans are ideal for applying during a financial emergency, as there are not many obligations to follow for the borrowers.

You can apply for the loans through your Smartphone by sending a text message or laptop with an internet connection. The steps are simple and straightforward that everyone can follow. Likewise, the eligibility criteria also have easy conditions to follow.

12 Month Unsecured Loans

Application Procedure

  • Complete the online form
  • Put mandatory details into each column
  • Submit the form and wait for approval
  • Quick approval and Same-Day Fund Disbursal
  • Repay the loan on time

Eligibility Criteria

  • You must be above 18 years of age
  • You should be residing in the UK
  • You must be earning either part-time or full-time
  • You should have an active bank account
  • You can be a homeowner or tenant

Qualifying for the loans is not complicated at all. 24cashfinances believes only in affordable loan deals, and thus we do not offer funds beyond your repayment capacity. Apply for the loans only when you do not have any other option, as borrowing more than your ability to impact your financial profile.


12 month loan lendersin the UK often fund borrowers in more than one way. It does have the advantage of choosing the loan deal according to your financial needs and circumstances.

We are the responsible direct lender and offer loan deals to ensure complete satisfaction for our borrowers. We provide 12-month installment loans and 12-month payday loans on such deals where borrowing is beyond the individuals' employment status and credit scores.

12 Month Installment Loans

  • These loans provide the ease of repaying in easy monthly installments. Borrowers have the advantage of using these loans for any purpose.
  • These installment loans are also beneficial in improving credit scores. The loan term ends early with almost nil chances of missing any repayment.
  • The interest rates are competitive and reasonable for everyone.
  • Quick approval and Same-Day Fund Disbursal
  • Repay the loan on time

12 Month Payday Loans

  • These are the very short-term loans applied during the financial emergency. These loans have the significant advantage of ending the loan on the next salary day.
  • You can easily get 12-month payday loans with no brokers. Reliable direct lenders offer them affordable features.
  • These loans are known for the higher interest rates, as the term ends early within a month.


Loans are applicable when someone is earning. It is because you have to repay the loan inside the prescribed term. No lender can provide you with the loans until you are not earning something. Still, acceptance can be there depending upon the variety of monthly incomes.

24cashfinances accepts your loan application on the capacity of your any income. If it is satisfactory, we offer you 12-month loans on same day payout. Suppose you are not doing a full-time job, you still get the approval on the following bases:-

  • Part-time Income: Are you earning part-time through freelancing or generating income through a 3-4 hours job? This is enough for us to offer you monthly installment loans.

  • Unemployment Allowances: Unlike other direct lenders in the UK, we are ready to accept loans on benefits, which you are generating through government’s unemployed allowances.

  • Earnings from Rental Property: In the absence of full-time income, if you earn income through your rental property, you can still get loan acceptance from us.

  • Moving to Self-Employment: We are the modern-age lender and do not stop funding you because you are moving from employed to self-employed. Instead, we encourage you to be self-dependent by funding adequately to your purpose.


Not only unemployment but also a bad credit score is what restricts a borrower from borrowing funds from mainstream lenders. At this point, new-age lenders like us can assist you more efficiently. You can approach us quickly whenever you want to get12-month loans for bad credit from direct lenders.

We take care of your finances despite the your historical background in making payments is poor. We want to look at what you are doing at present. How are you making payments, and if your credit score improving or not? If your current financial commitment is good and satisfactory, we offer loans on the following benefits:-

  • No Guarantor

    People with blemished credit report often find trouble in finding out the guarantor. Therefore, we ease the situation for them and offer 12-month loans with no guarantor. You can straightway apply and get approval instantly.

  • No Fees:

    The short-term loans often have higher rates of interest as compared to long-term loans. We do not want to add a burden to your pocket and keep our12-month loans for bad credit with no fees to charge.

  • No Broker

    Individuals having poor credit scores face denials from traditional lenders. They tend to approach the brokers to find out the deal, but it adds extra cost to your pocket. There is no need to do that, as you easily approach us online for 12-month loans with no broker needed.


A poor credit score creates several obstacles for borrowers when they approach traditional loan providers. Modern-day lenders seem more flexible and follow a soft approach towards people with low credit scores.

The same soft approach often creates an optimistic thought among the borrowers. They try hard to find out the deals on 12-month loans with no credit check from direct lenders. It is not their fault because they want to get loans without any hassle. A hard credit check often brings denial for them.

We, at 24CashFinances, follow the lending process responsibly and do not trap borrowers in faulty deals as it happens with 12-month payday loans with no credit check.

We make a soft credit check approach to gently check the credit history, which does not leave any footprint on your credit search. We check the past credit performance only to insure loans on affordability. We want to analyse how much you should borrow and what is the ideal loan term.

The relaxed credit check helps in getting the loans within your repayment capacity. It further improves the credit scores, as you can manage the loan repayment from your monthly income.


24 Cash Finances has stored a wide range of loan offers for everyone, irrespective of any credit score. We are among those 12-month loans for bad credit from direct lenders, which have opened the lending doors 24/7.

We run our lending service on three principles:

  • Keeping Everything Convenient

    We belong to the modern-day lending marketplace in the UK. We do not want our borrowers to have to wait for long to get approval. Therefore, we practice only an online procedure that paves the way for instant loan approval. There is no paperwork to follow, and the same day fund disbursal is there.

  • Loans for Everyone

    Many lending institutions keep different rules and regulations for borrowers. We do not want to keep anyone away from the benefits of flexible borrowing. From good credit to bad credit, from employment to unemployed or homeowner to tenant, everyone is eligible for our loans.

  • Do Not Surprise Borrowers

    Trapping into too many surprises make the worst financial conditions for the borrowers. We do not surprise you with any extra cost and charge only the interest rates you receive in the initial loan quote. Therefore, we do not charge any upfront fee or hidden cost on any loan deal.

    Do not take additional stress into your financial life. 24cashfinances brings 12-month loans on several advantages. Apply now.

Instalment loans FAQs

What are the prime examples of installment loans?

There are various types of installment loans. The most common are auto loans, mortgages and personal loans. If you don’t have any idea about this, then you can read further to understand this loan one by one.
  • Auto Loan This loan is considered as an installment loan and a person uses this one to purchase a new vehicle. You can repay the amount in monthly installments which range from 12 to 90 months and direct lender gives you that loan on flexible features and multiple benefits.
  • Mortgages This loan is used for buying a house and repayment term may vary from one lender to another. And most of them come with a fixed interest rate.
  • Personal Loan You can use this loan for various purposes such as paying unexpected expenses or consolidate debts. And many lenders in the UK provide this loan without any collateral.

How Can Installment Loans Benefit to My Credit Score?

In installment loans, you have to borrow a certain amount from the online lender and you have to repay the loan in a set of time which is fixed by the lender mostly it is monthly. Because of flexible repayment, you can easily pay off the loan within a given time. If you will able to do this then this will give you benefits. And this benefit will reflect on your CREDIT REPORT. This credit report is compiled by Equifax or Experian and eventually, it will help you to improve your credit score. A good credit score means you will get loan approval easily with much less interest rate or APR as compared to loans with bad credit.

Can I Make Early Payment of Installment Loans?

Yes, you can pay off your loan early without any issues but many lenders in the UK may charge some extra fees but 24cashfinances charges very less as compare to other online loan providers. Usually, most of the borrowers do not want to pay their loan early because it can cost them badly but due to some certain circumstances, it becomes an obligation for you. As a responsible lender, we can understand your financial concern and make the necessary arrangements. But it would be better for us if you inform us well before so that it won’t become hectic for us. We do charge some fees for the early repayment but it will not cost too much to your pocket. We are here for better communication.

How long it exactly takes to get the approval for instalment loans?

With the easy and simple application procedure of 24cashfinances, you only have to spend a maximum of only 5 minutes in order to fill the form where you will have to provide your basic details. Here, you can get up to £5000 on Installment loans for bad credit people and that too at a highly competitive price rate. After you have submitted the online form, the lending team will go through the details and the requested amount will be disbursed on the same day of the approval. You won’t be asked to provide any collateral or present any guarantor in order to get the approval of the loan. Also, there is a possibility to get the loan even if you have bad credit.

How to check the status of my instalment loan application?

Well, if you have applied at 24cashfinances for an instalment loan, then you don’t have to worry at all. Here, you get the benefit of customer support service that is available for 24*7 and a team of experienced members who can solve all your issues at an earliest. So, if you want to know the status of your loan application, then all you need to do is contact the support team and speak all your concerned matter. The highly skilled team will let you know the exact date and time when you are expected to get the amount on your bank account. Also, you can directly mail your queries or doubts to the support team who will respond quickly after your mail is being received from the other end.

Can I change the amount of my payment in Instalment loans?

Basically, in an instalment loan, the borrower has to pay the entire debt on monthly instalment that is decided by the lender and borrower with a mutual discussion. However, if you think that your financial status is not good for a particular month and you will not be capable to pay the repayments, then you could approach your lender and discuss the issue. If there is a possibility, the lender might lower down your lower or even hold your instalments for a certain amount of time, but you could have to pay extra later and you might even charged an additional fee depending on the lender whom you are dealing.