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Apply Online for a 12 Month Instalment Loan

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2. How long do you want to borrow for?

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Warning: Late repayment can cause you serious money problems. For help, go to
Representative Example: Borrow £500 and pay £79.09 per month for 12 months at a fixed interest rate of 140% per year.1 The total charge for credit is £449.01 (all interest). The Total Repayable is £949.01. 278% APR Representative.
Apply online for up to £2,000 in minutes
Submit your application to receive a lending decision
If approved, get cash sent within 10 minutes after approval§

Pounds to Pocket is rated 4.2 stars by based on 239 reviews

Apply Online for 12 Month Loans

Do you need some extra cash to help pay off your hefty car repair bill or are you dealing with another unexpected expense? Apply at Pounds to Pocket for a 12 month loan and, if approved, you can get cash sent to your bank account within 10 minutes after approval.§

Familiar with payday loans? Find out how Pounds to Pocket loans can be an alternative to your traditional payday loans. Everything that payday loans can offer — plus more!

You can apply for the cash you need to help cover all unexpected emergencies and, if approved, pay it off over the next 12 months with 12 month personal loans.

As a first-time customer, you can apply for up to £2,000. This is a loan that should be used to help cover unexpected emergencies.

Apply at Pounds to Pocket for 6 to 12 Month Loans Today!

Apply online now for a 12 month loan from Pounds to Pocket. It has never been so convenient to apply for the cash you need from your own home. No need to travel or take time off from work since our 12 month payday loans work on your schedule. We offer a straightforward application with 52 weeks to repay your loan.

Pay back your loan amount in manageable installments over a 12 month period of time, if approved. Payments will even be automated. Money will be taken directly from your debit card or bank account (whichever repayment method you choose) without any extra effort on your part at all. Apply for 1 year loans today and if approved, have 12 full months to repay!

Need An Emergency 12 Month Loan?

Life is full of unplanned emergencies, many of which require funds you may not have. When damaged plumbing leaves you waterless, or a flat tire stops you in your tracks, you can't just move on — these are problems that need to be taken care of. So how do you solve them? If you can't borrow from friends or family, you may want to consider a 12 month cash loan.

If you need to access funds that you don't have, you can always start by approaching friends and family for help. While this can be a hard conversation to have, it offers a funding option that won't necessarily include interest. For those who don't know, interest is a percentage charged on a loan over the requested amount. For instance, for a £100 loan with an annual rate of 5% interest, the year-end repayment amount would be £105. By requesting a loan from a close friend or family member, you may have the opportunity to bring home a loan with little or no interest.

12 Month Cash Loans from Lenders

While friends and family can always be your first call if you're in need of emergency funds, sometimes they're simply not an option. If this is the case, you may want to consider taking on a 12 month cash loan. Traditional lenders often offer larger loans and lower interest rates, and should be considered. However, if you have less-than-perfect-credit, it can be difficult to get a loan from one of these traditional lenders. There are other loan providers, such as Pounds to Pocket, that provide personal loans for smaller amounts and for shorter periods of time, such as 6 or 12 months. These loans generally also come with higher APRs.

Perhaps Pounds to Pocket Can Help

We're all looking for ways to save for the future. Every little bit counts. While staying healthy and in shape is important, you shouldn't throw away your money to gyms and health clubs that you do not attend. You should cancel your membership and save yourself the money you spend every month. There are many other ways to stay fit and healthy – walking, biking, running outside, and using weights in your home. Don't waste your money on memberships that you don’t use. This is a great way to save for larger purchases that you'd like to make.