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The amount of £ 1,500 is quite sufficient for you to overcome short-term financial needs and small, such as electricity bills, home renovation, car repair, medical bills and credit card dues, etc. More amazing, 12 month loans come with a great advantage that the bad creditors are able to acquire these loans because there is no process of credit check. Bad credit scores such as CCJs, IVA, defaults or late will not be a big deal to apply for these loans. Although lenders do not require collateral to pledge against the loan when you apply these loans. Thus, everyone can acquire this type of loan. It is not long formalities and documents to apply for these loans because you need to apply loan via online mode required.