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 Personal Loans Guaranteed Approval from Direct Lenders

Why Choose 12MonthsBadCreditLoans

  • 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

Bad Credit Loans that come with Guaranteed Approvals

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 are able to meet our requirements, we shall guarantee you a loan approval no matter what your credit score is!

Check-out our loan eligibility requirements.

Get Up to $1000 Same Day Payday Loans

Address Emergency Cash Needs Immediately with No Credit Check Loans

Who doesn't face emergencies? Sometimes, money is what it takes to handle a situation. If you face an emergency cash need and require money immediately, 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
  • Loans of up to $1,000 provided via our fully online platform
  • 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

Your Online Direct Lender for Fast Personal & Payday Loans

Whether you need a personal loan with flexible payment options or a payday loan that you can repay simply at once, 12MonthsBadCreditLoans can serve you fast and with a high chance of your loan being approved.

We seek to be your trusted online direct lender for every personal and payday loan requirement that may incur. Some of the advantages of choosing us as your direct lender include:

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

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!


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.