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 They can meet the cash shortage immediately and repay the loan gradually. 12 month loans The variety of unsecured loans for 12 month is just the opposite. The lack of collateral in this loan makes it risky for the lender. So, to cover the risk, he charges a higher rate of interest as Compared to the other 12 month payday loans available in the market. It is a great plan for the tenants and non homeowners As They do not have anything to secure the loans. http://www.easytogetpounds.co.uk/