Online Application

  • Conveniently at any timeConveniently at any time
  • No faxing, no paperworkNo faxing, no paperwork
  • Enjoy quick servicesEnjoy quick services
  • Access from anywhereAccess from anywhere

Get an Instant Decision

  • Even with bad credit historyEven with bad credit history
  • Quick verificationQuick verification
  • Instant approval once verifiedInstant approval once verified
  • No hard credit checksNo hard credit checks

Funds Processed Fast

  • Online loan offer agreementOnline loan offer agreement
  • Lean processing systemLean processing system
  • Direct deposit once acceptedDirect deposit once accepted
  • All ACH transactionsAll ACH transactions

Bad Credit Loans Guaranteed Approval Monthly Payments ?

Bad Credit Loans guaranteed approval with monthly payments are now available online. You can avoid queues and rejections based on your credit score. Bad Credit Loans are intended to assist borrowers with bad credit who earn a regular income. You can use loans for almost any expense, including groceries and emergency expenses.

Are there Guaranteed Approval Loans for Bad Credit?

Bad credit can make it difficult to get a bank loan. Some loans are designed specifically for borrowers who have poor credit scores. Even though these loans are designed for borrowers with bad credit, they may be easily approved.

Almost all queries of loans from bad credit borrowers are associated with urgency. If that's your situation too, why choose a loan which might just never pay out?

12MonthsBadCreditLoans offers guaranteed approvals on bad credit loans ! We do this by:

  • Verifying your loan eligibility
  • Verifying your income amount and stability

If you can meet our requirements, we guarantee a loan approval no matter your credit score!.

Can I get an Online Payday Loan for Bad Credit with Guaranteed Instant Approval?

Yes! Obtaining an online payday loan is possible even if you have bad credit. You can also get a decision instantly on your application. You will receive an instant decision on whether or not you are approved after submitting your application for a payday loan.

The procedure with 12MonthsBadCreditLoans is completely online, and you can apply for a loan from anywhere at any time. Your loan will be guaranteed the next business day.

Get Up to $1000 Same Day Payday Loans

What are Online No Credit Check Loans with Guaranteed Approval?

Direct lenders can give you a decision within minutes on whether or not your loan application will be approved without credit checks. A guaranteed approval loan from a direct lender for a loan before verifying your information and performing a soft credit check. A lender will guarantee instant approval if you meet the criteria. 12MonthsBadCreditLoans is indeed the place to be. Our loans feature no credit checks, and this is how we can help:

  • No pre-registration or account needed with us
  • Our fully online platform provides loans up to $1,000
  • Fast lending service and lean process suitable for urgent needs
  • Instant decision upon completion of eligibility verification
  • Direct deposits and ACH transactions to minimize delays
  • Process free of paperwork and faxing
  • No harm done to your existing credit performance
Online Payday Loans No Credit Check

Can I Get Bad Credit Loans from Direct Lenders?

Bad credit loans with guaranteed approval from direct lenders are specifically targeted toward individuals with poor credit history. These loans are offered by direct lenders who bypass traditional credit checks and are more willing to work with borrowers with low credit scores.

When seeking a bad credit loan with guaranteed approval, it's recommended to keep these in mind:

  • Research multiple lenders: Check their reputation, terms, interest rates, and fees.
  • Understand the terms: Carefully read and understand the loan agreement, including interest rates, repayment terms, and additional fees.
  • Advantages of choosing us as your direct lender include:

    • No third-party expenses and delays, as may be the case with brokers
    • Easy application, simplified processing and a transparent loan offer
    • A high chance of loan approval is evidenced by a loan approval rate above 90%
    • Repayment flexibility is provided and integrated with every loan offer
    • Data security and privacy ensured via a 256-bit industry-standard encryption

12MonthsBadCreditLoans offers the following benefits:

  • All credit scores accepted
  • Rejected borrowers accepted
  • Instant approvals provided once eligibility verified
  • No credit checks done
  • Fully online loan process
  • Quick service that's available 24x7

Extremely Bad Credit Scores? Choose Us & Get Instant Decisions!

How bad are your credit scores? Have they hit a rock-bottom near 250? Worry not as we provide income-based loan approvals and your credit score can in fact totally be ignored. Our loans act as a short-term financial solution and since we offer only short loan tenures, it can be said that your income is the best indicator of your loan repayment ability. So, simply choose us when you need a loan despite extremely bad credit scores. Offering instant decisions on loans upon completion of basic verifications, we might just have the best solutions for you!

What are Bad Credit Loans Guaranteed Approval for $1000?

We offer $1,000 loans for bad credit and other loans for borrowers with low credit scores. We are lenders who specialize in helping our customers who have had trouble getting loans due to their credit history.

12MonthsBadCreditLoans offers quick online application processes and flexible repayment options that let you pay off your loan quickly. With our service, you can get a cash advance of $1,000 with guaranteed approval.

If you have an unexpected expense or need assistance paying your bills, this is one of your best options! Apply today for a $1,000 loan with bad credit and start moving forward with your life!


Consumer Notice

The available loan product types and loan amount limits may vary with the market. All loans are subject to state regulations, eligibility terms, certifications, underwriting and approval. Rates, fees, terms and conditions apply. The loan decisions, disbursal and credit times are subject to system limitation. In some cases, verification may require additional processes, which can delay the loan decision.

We offer short-term loans. Short-term loans are intended towards assisting borrowers with short-term financial needs and they are not intended to serve as long-term financial solutions. Customers with credit related issues and hardships are advised to seek credit counseling.

The credited approval on your application may be based in part or wholly upon information obtained from a national database including, but not confined to TransUnion or eBureau.

Terms such as, “same day approval”, “same day deposit”, “instant approval”, “guaranteed approval”, “bad credit ok”, “one-hour deposit”, “instant deposit”, “no credit check”, etc. are only indicative. Certain conditions, state laws and safety considerations may require such terms to be deviated from. All loan products are subject to various terms and conditions and various parts of the lending process may be subject to system limitations and third-party verifications which can cause time delays and/or loan rejections. Some restrictions may apply.

Equal Credit Opportunity Act: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006 and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.