12 Month Loans Up to £35,000 - Bad Credit Accepted

Badger Loans is a broker not a lender.

Badger Loans will NEVER and does not charge any fees either up front or during any part of your loan process. Nor do we call our customers as we are 100% online. If you receive a phone call or any communication from anyone purporting to be from Badger Loans it is highly likely you are being scammed and you should not part with any money. Please always check the firm you are dealing with is licensed by the Financial Conduct Authority and clearly displays their FCA number. Ours is 747140. FCA Register Search >

12 Month
Loans For Good or Bad Credit

12 Month Loans

Are 12 Month Loans Available for People with Bad Credit?

Yes, 12 month loans for bad credit are available. Our panel of lenders are able to take a view on poor credit, defaults and CCJs. To be eligible, you will be required to have a permanent address, be employed and earning a regular income. Most lenders prefer if you do not have any similar loans outstanding or anything that could make keeping up with repayments more difficult.

Why Apply for 12 Month Loans?

 12 month loans can help you pay for any pressing emergencies or help with important purchases. This gives you the benefit of stretching your repayments over a longer period of time. Repayments are typically made at the end of each month, in equal monthly instalments. That way you know exactly how much you are going to repay and can organise your finances accordingly.

Rather than traditional payday loans which give you money upfront and ask for full payment on your next payday, 12 month loans give you more breathing space. Giving  you the flexibility to pay smaller instalments and get your finances back on track if need be.

At Badger Loans, we work with a panel of up to 30 lenders so you can find the best 12-month loan at the most competitive rates possible. Being able to match you with a number of regulated lenders can help you narrow down your search and improve your chances of approval. Plus, if you have the means to repay early, you can do so at any point and will often save money when you do.

Key Features

  • Borrow £100 to £25,000
  • Repay over 1 to 60 months
  • No upfront fees
  • No guarantor required
  • Bad credit considered
  • Early repayment possible

Eligibility Criteria

  • Over 18 years of age
  • Full-time UK resident
  • Permanent UK address
  • Employed and able to afford monthly repayments
  • Regular income
  • Valid UK bank account
  • Valid UK mobile and email address

Can I Repay 12 Month Loans Early?

Yes, every lender working with Badger Loans allows you to repay your 12 month loan early. You may find that after a few months you have got your finances into a better  position and are able to clear your debt in full.

You will typically need to contact the lender directly by email or phone or log into the ‘my account’ section of their website where you will be able to clear the balance. Repaying your loan early will usually save you a lot of money since less interest is accruing overall.

Apply Online with Badger Loans

Our entire loan application can be completed online in less than 5 minutes and you will receive a provisional quote and instant decision on the screen. You can apply 24 hours a day, 7 days a week using a desktop, mobile or tablet.

If successful, you may be required to speak to the lender or provide proof of income – however, successful applications can be funded within 1 hour but more usually on the same day of applying.

To get started, simply click on the apply now button below.

Why Apply For A Personal Loan with Badger Loans?

  • Amount between £100-£25,000
  • Term from 12 months to 5 years
  • You need a Personal Loan
  • Good or Bad Credit
  • With or Without Guarantor

Legal Information

Rates from 12.9% APR to 1625.5% APR. The minimum Loan Term is 1 month. The maximum Loan Term is 36 months. Representative Example: £1,000 borrowed for 18 months. The total amount repayable is £1564.59. Interest amounts to £564.59, an annual interest rate of 59.97% Representative APR: 79.5% (variable).

Badger Loans