If bad credit history and low credit rating discourage you from taking out a new loan, then know that 12 month installment loans bad credit for bad credit are easily available from the lenders. Such loans are carved out particularly for the salaried class of people to provide them the cash for urgency in the same day without making their bad credit history an issue. Bad credit history comprises multiple cases of late payments, payment defaults, arrears and CCJs. Such a record is not a hurdle in taking out the cash for urgency. This is because the lenders do not subject the borrowers to any types of credit checks. Hence, you can borrow the money without any worries over your low credit rating. While bad credit history is not an obstacle, you can repay the loan easily without any burden on your paycheque. The lenders allow you to pay back the loan in easy installments in over 12 months. Clearly, you can have more money for personal expenses from the paycheque during the month after paying for the loan installments. You can borrow an amount ranging from £80 to £1000 in the same day on next business day. The lender will wire the cash directly in your bank checking account within 24 hours. Clearly, the loan is useful for urgent personal works. You can spend the cash for urgently paying the bills, repairing a car, spending the cash on weekend shopping and so on. The lenders do not restrict the borrowers when it comes to putting the cash to any personal works. However, while these are useful loans for urgency, make it sure that you find out competitive deals from the lenders. Such urgent cash loans are known for costly APR that the salaried people many find burdensome. Hence you should be particularly aware of the fact that these are costly loans. At the same time, you can find out competitive rates from the lenders. Scan as many loan websites as you can to search for the lower interest rates. Make sure that the offers of bad credit loans for 12 months are accessible to you without any hidden or additional fee charges. Every fee charge should be included in the interest payments. These are certainly useful loans for emergency purposes ahead of your next payday.