Offers of short term loans over 6 months are available from the lenders when you need the money for tackling some urgent bills or family expenses. These types of cash loans are useful ahead of next paycheque and allow you easier repayment in many months. The loan is usually accessible in hassle-free manner. To qualify for such loans, you need to prove that you are employed and drawing monthly salary on regular basis for past no less than six months. Such applicants must also carry a bank checking account that is valid and active. Your age for the loan must be above 18 years. You should approach the lenders with correct details of your employment, salary, residential address, giving these on an online form or in a physical loan shop. The lender will process the loan by checking your details online from the database. Or, the lending company can have a telephonic talk with your for verification of the details. You can borrow an amount ranging from £80 to £1000 without pledging anything for collateral. So, there are no risks involved for the borrowers. These unsecured personal loans are usually obtainable within 24 hours directly in your bank checking account. You can put the loan to any personal use such as timely payment of bills, repairing a car and spending on weekend tours. One of the chief attractions of the loan is its easier repayment duration. You are not required to pay whole of the loan amount immediately on your next payday. On the contrary, you can choose to pay back in as many installments as you find convenient to do so. Therefore, you can pay back the loan and interest in several installments up to over 6 months. Another advantageous feature of the loan is its quick availability for the people having a bad credit history of late payments, payment defaults or CCJs. Even with multiple such bad credit tags, you can borrow the cash without revealing them to the lender. This is mainly because the lenders never make any types of credit checks on any borrower. But you should not settle for the loan offer in a hurry. Instead, scan for the six month loans that comprise of reduced APR. Know that these loans are known for expensive interest payments. Make sure that you repay the loan as soon as you can to avoid paying greater amount of interest.