Such persons find it really very difficult to take loan but today with the help of such loans they may get the loan easily. You can compare various loan quotes and avail the perfect deal matching your circumstances. At 12 month loans no guarantor you are with punitive of experts who will let you know the approach to availing of loans in spite of bad credit history. In fact, this type of home loan is predominantly designed to remove financial problem involved with completion of home renovating project.