Bad credit is a very big problem for those who have it. They feel embarrassed because of their poor credit. So the thought of loan never strikes their mind. Due to poor credit they feel hesitant to go to the bank or loan companies these places will surely reject their loan application without considering their problems and situation. Friends and relatives can help to some extent but it’s not a good idea to ask them for money. For such people who need money but have no helping hand 12 month bad credit loans is the only destination.

Anybody who is a resident of UK and is of at least 18 years with active bank account plus he/she is employed is eligible for the loan. These loans are customer friendly. The needs and problems of the borrower are taken seriously here. Such loans provide them money for all their financial needs. The loan is very helpful in improving the credit record also. Also credit scores like arrears, bankruptcy, and missed payments are not checked in these loans. The loan is applied without any fees. Availability of the loan is 24 hours 7 days a week. Everything about the loan is so affordable. Now poor credit people too can dream big.

When you make up your mind for the loan, go through the web very carefully to find a reputed lender. Contact him online only as everything done here is online. An application form is available on the lenders website which needs to be filled by the borrower with his basic details. The form is short and very simple. Once it is submitted and approved it takes only 24 hours to get the money in your bank account. So fast and easy. These loans are free from lengthy and time consuming formalities. No documentation and no paper work. No credit checks too. If you have good credit score or very poor credit score it is considered the same because the credit score is never checked in such loans.

Problems like bad credit rank, poor credit history, lengthy paper works are not the problems for these loans. That’s why these loans are called customer friendly. Even any collateral is not asked from you. What could be better than this! All worries are reduced. When a loan is taken people have the fear of how to pay it back on time and the reason is valid too. But this problem also is not something which can’t be handled. You have complete one year to return the amount.