Personal loans £12000 to pay off debt
£12000 personal loans with low APR

Personal loans for £12000 personal loans - 12000 personal loans can be used to pay off high interest credit cards, store cards and unsecured loans.  Save money, cut outgoings and reduce monthly payments by paying off your credit cards and unsecured loans with a £12000 personal loan.  We can help if you have CCJs, arrears or defaults, if you are self employed, with or without accounts

Our fast, secure application gives you access to multiple lenders, finding you the cheapest loan based on your personal circumstances*.


  • Our smart loan search does not affect your credit rating**
  • It finds the lowest rate loan available to you
  • Secure, two minute application
Representative APR - For Lenders charging an interest rate of less than 100%. Representative 33.6% APR. Representative Example: £2200 borrowed for 36 Months. Total Amount Repayable is £4172.37. Interest Charged is £1972.37, Interest Rate 29.9% (Variable).

Representative APR - For Lenders charging an interest rate of more than 100%.  Representative Example: 1223.6% APR variable.  £100 borrowed over 30 days would equal total borrowing of £124. Actual Interest is 24%.

Guarantor Loans: Representative Example 42.9% APR fixed: £4,000 over 4 years. Monthly payment £158.90. Annual interest rate 36.24% fixed. Interest payable £3,627.20. Total repayable £7,627.20.

*subject to lenders requirements and approval
**Although our lender searches will not affect your credit rating in any way, if you are accepted by a lender, they may carry out a full credit search in order to assess your ability to repay

Where the loan recommended is a Secured Loan, security will be required on your home

personal consolidation loan 12000 12000  secured and unsecured personal loans UK
debt consolidation loans. Reduce outgoings with a low cost 12000  personal loan

We have relationships with finance brokers who have built up an enviable range of contacts with many banks, building societies and financial institutions. We can help you find the most competitive debt consolidation loan
UK personal consolidation loans. Payout normally within 14 days

12000 personal loans 12000 How could £ 12000 personal loans help you?

If you are reading this, chances are you are having financial problems and are looking for a way to solve them. There are various options open to you. One of them is to take out a low interest £12000 personal loan. You can use the money to pay off your high rate credit cards, unsecured loans and other HP, and replace them with one low monthly payment

12000 unsecured loans 12000 Personal loans for £12000

This website gives you the opportunity to find out exactly how much personal loans of £12000 would save you, dependant on your individual circumstances.

You can get an idea of your potential saving by clicking online loan calculator  

For a specific quote for your own circumstances, complete the enquiry form Personal Quotation. We will normally be able to get back to you within 24 hours. REMEMBER you are NOT under any obligation to accept any terms offered to you

low apr 12000 personal loans  Personal loan repayments

The repayments on an unsecured personal loan are paid on a monthly basis.  Some lenders will offer repayment holidays or payment breaks, allowing you to take a break from your monthly repayments either at the start of the loan (known as 'deferred repayment') or at an agreed point during the term. Interest will continue to accrue on the outstanding balance and this may result in increased monthly payments so your debt is still repaid over the term agreed at the outset.

Often, it is difficult to get accepted for a personal loan if you have a bad credit record or have no previous credit history, if you have changed addresses frequently or are self-employed. There are lenders who can help those who need 'bad credit' loans and those who have difficult personal circumstances. The interest rate will be higher than that offered by a standard personal loan provider, but there is much more chance of being accepted.

If you own your own home or have a mortgage, and you have a poor credit history, it is worth considering a secured loan.

cut payments with best rate personal loans  The bottom line

This is the bottom line. As a company, we only get paid if we successfully get your loans paid out. We will endeavour to find the most suitable loan for your individual circumstances, and we will do everything we can to get your loans paid out as quickly as possible. Complete the enquiry form for a personal quotation

Unsecured loans are available from £1,000 to £25,000. Representative 12.6% APR variable. Representative Example: If you borrow £11,000 over 6 years at an annual rate of 8.9% (variable) you will repay £230.63 per month and total amount payable £16,605.36.

If you are looking for a new loan to replace other forms of credit, such as credit cards, Hire Purchase or other loans, you are advised that the duration of the new loan will be longer or the total amount payable will be higher than your existing arrangements

Contact us   Terms & conditions

Copyright © 2015   1st Personal Loans UK is a trading style of Joel Malach. We are authorised and regulated by the Financial Conduct Authority under interim permission number 566785. Data Protection Licence Number: Z8904952.  Registered Office: Warwick House, Lowes Road, Manchester. BL9 6PJ.


1st Personal Loans UK may receive a fee/commission for either referral or completion of your loan application.
1st Personal Loans UK is not a lender but a broker that has access to multiple lenders across the UK. We cannot lend you finance ourselves - only refer you to a lender who can.

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