12 Month Loans


12 Month loans are loans that can be taken out for a period of up to 12 months. 12-month loans can be more expensive than the traditional personal loans from a bank or revolving credit from a credit card. They are generally taken if you have an emergency that cannot be covered before your pay date or something that cannot be repaid within a month.

At Sandy Instalment Loans you can apply to find loans from £100 up to £2000, that range from 3 months up to 2 years. Because these loans are longer than a traditional payday loan it’s important to consider a number of different factors;


Am I eligible?

Instalment loans involve a lot more planning and budgeting than a payday loan as they are paid back anywhere from 3, 6, 9, 12, 18 months or 2 years. As these instalment loans are longer it’s important to ensure that any loan you take out is affordable. In order to be eligible, you will also need to be over the age of 18, you are employed, have a bank account, a valid email address and mobile number and that you are a UK citizen. For more information on the criteria, take a look at our frequently asked questions.


Future expenses

Whether you are taking out a 3-month loan, 12-month loan or a 2-year loan you need to consider any expenses that may come up in this time. These include car expenses, household items that may need replacing, planned holidays and birthdays. It is important to factor all of these things in when you are applying for an instalment loan.


How can you help me?

Sandy Instalment loans are a credit broker and as such, we do not lend any money. We work with a number of lenders and brokers who may be able to help you find a loan to cover your unforeseen circumstance. Although we do not lend money we do operate a responsible lending charter which you can read on our responsible lending page.


How do I apply?

The application process is simple. Using the sliders, select your required loan amount and the loan term. Next, you need to fill out the application form. We will ask you for your personal information, employment details, your income and expenditure and finally your bank account information. We will then search our panel of lenders and brokers and if you are accepted we will send you to their website to complete your application. Need more information? Read our how it works page or apply now.
If you are approved you may receive the money, the same day, but it will depend on the individual lender. The amount and term of the loan will also depend on the lender.