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Total amount repayable is £927.48.
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How to Get 12 Month Payday Loans with No Guarantor

Are you on the hunt for a long-term loan to help you out with your financial troubles? When you’re suddenly hit with a huge bill you aren’t expecting, it can be stressful and worrying. Perhaps your car has broken down and you can’t get to work or your kitchen has an urgent plumbing problem. You may not know how you’re going to be able to afford to fix the problems if you live month-to-month on your salary and don’t have a lot of savings.

But the good news is that you don’t have to panic; you may be able to enjoy 12 month payday loans with no guarantor. Let’s find out a bit more about them so you can make up your mind.

What is a Payday Loan?

First of all, it’s important to understand exactly what a payday loan is. This way, you can see if it’s the best option for your financial situation. This is a type of loan that is available when you’ve got an unexpected bill to pay, whether it’s a house repair or a parking ticket. It’s a way to tie you over until you receive your monthly paycheque. They’re usually for small amounts but the amount you can borrow has substantially increased over the years.

Usually, people choose a payday loan as a short-term loan. It provides them with the cash they need before payday comes around. But this area of loans has expanded in recent years and now it’s possible to get one that lasts 12 months. This means making 12 monthly payments of an agreeable amount.

What is a Guarantor?

It’s also important to understand who a guarantor is. Essentially, this is a person you know who takes responsibility if you can’t pay your debt. They are often referred to as a ‘surety’, as they guarantee to pay the debt you owe in a loan obligation if you can’t for any reason. In other words, they’re pledging their own assets to ensure the loan issuer gets their money back in the event you are unable to pay. A guarantor can be anybody you know and that co-signs the loan agreement. Normally, this is a close friend or family member; particularly, a parent or other close relative.


12 Month Payday Loans with No Guarantor

If you’re interested in a 12 month payday loan, you may think that it’s necessary to have a guarantor in place. This is especially true if you have bad credit. But there is no need to worry; it’s still possible to enjoy 12 month payday loans with no guarantor and even if you have bad credit. They’re not as rare as they once used to be and now lenders are more willing to look at other financial information than just your credit score. This means that you can enjoy a loan when you could so with some financial help.

So, what will lenders take into account before giving you a 12 month payday loan? They’re going to want to see some information about your finances. This will include having a UK bank account and being in employment. So, you’ll need to provide proof of income so payday loan lenders can see that they’ll get their money back from you every month if they give you money.

It’s always important to remember that payday loans can have high interest rates. This means that when you’re choosing a loan amount, always factor this into your finances. The last thing you want is to take out a loan and find it hard living month-to-month with your salary.


How can help with 12 month payday loans no guarantor?

If you are looking for emergency cash loan, you can apply at, we put you the customer first! 

Our goal is to help you find the loan you need for 100% Free, No obligation quote, in the best, fast, secured and easy way.

Instead of filling loads of tricky and hard forms, you just fill in cashpanda’s Simple and Easy form, without being hard credit checked saving you time and a lot of hassle.

We know the market and can help you find you the best deals from the panel of FCA approved direct lenders as well as other products and solutions.

How it works:

Simply choose how much you need to borrow, and for how long. Fill in our easy form (It takes 2min). Click Submit, and our supper technology will find your loan in less than 100 seconds. Once a loan is found you will be redirected to the lender who approved your loan. If not approved for a loan, you will be redirected to a product or another solution.

Please make sure you read all the terms and conditions as well as all the details before you agree to anything. is here to help and protect our customers from scam and spam sites. By filling only one easy form to reach the whole lenders panel, will be increasing your chances to get the loan you need without affecting your credit score. is fully approved and regulated by the FCA and the ICO.

We are 100% Free, No obligation quote as well as all credits are considered. We will not spam you, call you or send you messages afterwards as we value your privacy.

So, if you need emergency cash to help your financial situation, we can help you find the best deal for you at

Quick, easy and efficient service. I been approved and received the cash in the same day.
You been really helpful during my emergency. Thank you very much for your help.

How it works?


Apply Online

Simply fill out our secured user friendly online form

payday loans direct lenders high acceptance uk,while yet payday loan direct lenders; 


Finding your Loan

Our Panda will process your application and will look to locate the right loan for you and your circumstances.


Get Cash

Once you are approved, you will be directed to your special lender to finish the process.

and bad credit payday loans; so loans for bad credit no guarantor;  

Why Cash Panda?

Our mission

CashPanda’s mission is to genuinely help and protect consumers when they are in need of a Short Term Loan online in the UK. is fully regulated by the UK Financial Conduct Authority (FCA). We have High approval rates and our Panda will help you you get your short term loan online, easily, securely, and Totally Free with no obligation.   


Our new and innovative state of the art technology allows us to put you, the customer in the front while, the top lenders compete to lend you the money you need.

Transparent service

CashPanda provide fully transparent service to find you the best* responsible and trusted lender with the cheapest interest rate (APR) possible and terms according to your own special circumstances.


It doesn’t matter if you have bad credit or poor credit, at all credit types are considered. We will use our innovative technology to find you a suitable solution straight away

According to the amount you want to borrow, and your ability to repay the loan among other factors. 


Who can apply?

To be eligible to get a loan, you need to:


Be a Legal UK resident 

Instant Payday Loans Online UK


Be 18 years of age or older

Instant Payday Loans Online UK


Have a valid UK bank account, working phone and email

Instant Payday Loans Online UK


Have a regular source of income (min £700 per month)

Instant Payday Loans Online UK