Borrow £1200-£1250 Loans On The Same Day

Our £1200 and £1250 loans are unsecured personal loans, meaning that you do not need to put down any collateral, assets or guarantors to be approved.

Your eligibility is based on other factors such as your income, affordability and credit score. Provided that you have a regular and stable income and can afford monthly repayments without being stretched, we are delighted to provide you with a short term funding solution.

Our entire application is online and takes less than 5 minutes to complete and get an indicative offer. We do not take applications over the phone or by post.

During the application phase, you will be sent an online loan agreement which shows all the terms of your loan. Once this has been electronically signed by you, we can carry out some final checks and get your application ready to be funded to your bank account.

Your loan can be successfully transferred to your debit account in one lump sum – helping you to pay off an emergency, pressing bill or make that important purchase.

Our loans are best suited for emergency expenses and short-term expenses. We offer funds upfront so that you can pay an important bill or make a purchase and then repay over 18-24 months.

Typical reasons to borrow £1200 include:

-Car repairs and fuel

-Household repairs

-Plumbing problems

-Household bills

-Pay rent

-Medical and vet bills

-Funeral expenses

-Child expenses

At The One Stop Money Shop, we are able to consider fair credit, bad credit histories and CCJs, as long as you have a regular and stable income and are committed to repaying your loan on time.

We understand that credit scores can be temporary and sometimes borrowers need an opportunity to get their finances back on track. 

Our product is well suited for this, allowing you to take out a £1200 loan and repay over instalments, even 18 or 24 months. This can give you the opportunity to repay over time and get your finances to where they need to be.

To stay on top of your credit score, it is helpful to use a tool to monitor this regularly and follow the recommendations to improve your score, such as paying off credit cards and staying on top of loan repayments. 

See also bad credit loans.

Get funds from a direct lender – As a direct lender online, you can be rest assured that we are managing your entire application from start to finish and there are no other parties involved. It always helps when you can work with the same company throughout your loan journey to keep things simple and our customer service team is always on-hand by either phone or email to assist you every step of the way.

Quick approval and same day funding – We understand the importance of speed and convenience if you have that pressing bill or important purchase to make. If you need £1,200 fast, we are built to process applications quickly online and provide fast decisions. In most cases, we can transfer funds on the same day of applying, provided that your loan has been approved by 3:30pm during Monday to Friday. 

Responsible and transparent – We are an FCA regulated firm (registration number: 713424) and follow the highest levels of responsible lending and policies surrounding treating customers fairly. With no upfront fees, no hidden fees and clear repayment examples, we want to maximise transparency for our customers and put you in control.

5-star rating – We have racked up hundreds of 5 star reviews from happy customers who would recommend our services.

Your loan is repaid in equal monthly instalments, also known as instalment loans, so the repayment amount will be the exact same amount. You just have to make sure that you have money in your account on the scheduled repayment date each month, ready for collection.

Your repayment plan will be clearly presented to you in a loan agreement which is signed before the loan is completed and the funds are transferred.  

Your collections will be made automatically using our service which is similar to a direct debit. It is all automatic so there is no need to call up, go to the bank or make a manual repayment.

Your scheduled repayment date is one that you choose that is most convenient for a collection. Most of our customers selecting the last Friday of the month, because it is when they are most likely to have funds after being paid from work. However, you can select a specific day like the 15th, 20th or 25th of the month or on a four-weekly basis.

Customers can also make early repayments, either in part or in full. This may reduce the overall cost of your loan by paying off interest early. You simply need to login, email or call us to arrange partial or full early repayment.