Borrow £100 to £5,000
over 3 to 36 months

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12 month loans with instant online decisions

Borrow from £100 to £5,000

3 to 36 month terms.

Will you be approved?
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered
Quick Eligibility Check

Lenders can check your eligibility in just 60 seconds. Find out if you’ll be approved with no credit footprint.

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Representative 49% APR.

Representative example: Amount of credit: £1000 for 12 months at £107.07 per month. Total amount repayable of £1284.82 Interest: £284.82. Interest rate: 49% pa (fixed). Representative 49% APR. Rates between 9.3% APR and 1721% APR - your no obligation quote and APR will be based on your personal circumstances. Subject to lender's requirements and approval.


CUJ Loans is a registered trading name of Upward Finance Ltd who is an introducer appointed representative of Flux Funding Limited, who are a credit broker, not a lender.


CUJ Loans provides access to a loan matching service. This site will submit the information you provide to Flux Funding's panel of lenders. All applications will be subject to credit checks and affordability assessments. CUJ Loans and Flux Funding will not perform a credit check, lenders will complete a soft search when assessing your eligibility for a loan. If you accept a lender’s loan offer, they will perform a hard credit search.


Loans between £50 and £5000 over a 3-month to 36-month term.


Warning: Late repayment can cause you serious money problems. For help, go to moneyhelper.org.uk.

12 month loans – are they different to other loans?

A type of short term loan that has become increasingly popular in recent years are 12 month loans. Designed to only last one year, these loans enable you to accurately budget for the money you borrow, safe in the knowledge that it will be fully repaid in just 12 months. This is the only difference between 12 month loans and other similar deals offered by direct lenders. Allowing you to borrow a wide range of sums of money, these short term loans break up your loan into 12 manageable monthly repayments. As such, whether you are looking for a small amount of cash, or something bigger, these small loans can be a great way of allowing you to budget for the unexpected.

12 month loan questions:

Q1 – Are there many lenders who offer 12-month loans?
Q2 – Can I get a 12 month loan with bad credit?
Q3 – Do I need a guarantor to get a 12 month loan?
Q4 – Can I get a loan with no credit check?

At CUJ Loans our broker partner works with a whole host of direct lenders who offer 12 month payday loans. By completing one quick application, they will find you the most suitable 12 month loan for your circumstances. You can choose to borrow between £100 and £5,000 depending on your needs and your budget. Quick loans are what they do best and the lenders that they work with understand that short term loans are often required to help with emergency situations.
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This will not affect your credit score.

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Can I get a 12 month loan with bad credit?

We understand that there are many people who suffer from having a bad credit history. The lenders that our broker partner work with specialise in providing loans to people who have been declined elsewhere or who have a bad credit rating. If you are accepted for a 12 month bad credit loan and keep up to date with your repayments, you can improve your credit score over time, making it easier for you to be accepted for credit in the future. Missing more payments will do the opposite, further damaging your credit profile and making it more difficult to be approved in the future.

Do I need a guarantor to get a 12 month loan?

If you are looking for a 12 month payday loan there are a variety of 12 month loan UK lenders who offer no guarantor loans. Understanding that not everyone has access to or wants a guarantor on their loan. No guarantor 12 month loans have become more popular in recent years as direct lenders will now offer 12 month bad credit loans, meaning a guarantor is not a necessity.

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This will not affect your credit score.

All lenders have to be authorised and regulated by The Financial Conduct Authority and it is a requirement that all applications are subject to a credit check. The lenders on our broker partner’s panel use ‘soft search’ technology which means that you can search for a loan without damaging your credit file. The 12 month loan direct lender who accepts your application will do a full search before paying out your loan. What that means is that we can assist you in your search for a loan without negatively impacting on your credit score in any way. A soft search cannot be seen by anyone else. Once you decide to take out the loan, the lender will perform the full hard credit search, it is only at this stage that the credit search becomes visible. Unfortunately, there is no such thing as a 12 month loan with no credit check.
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This will not affect your credit score.
  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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  • 60 Second
    Application
  • Instant Decision
    Online
  • No Fees,
    Ever!
  • All Credit Scores
    Considered

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