100% Loan Approvals Guaranteed

Get funded 100%

Apply Now

Applying Does NOT Affect Your Credit Score

100% Guaranteed Loan Approvals

Borrowing money can be dicey, especially if you go to the wrong lender. If you're in need of cash but don't find the right lender, you're doing nothing but wasting your time. Traditional lenders do not offer funds easily, and have strict requirements which if not met, shall result in denying funding to you. When you need money urgently, wasting time going from lender to lender should be the last option.

With the digital age come digitally approved loans for quick and easy borrowing. These loans have simple requirements which if met, shall result in 100 percent approval.

Can I Get 100% Guaranteed Approval on Payday Loans?

100 Guaranteed Loan Approval

It is easier to get a payday loan than to get a loan from a traditional lender, since the requirements are minimal and simple. One doesn't have to offer collateral or worry about their credit rating in order to receive a payday loan. The only disadvantage is that one has to repay these loans in lump-sum.

That's why, considerate lenders like 12MonthsBadCreditLoans offers flexibility in repayment which can make the whole process of repayment very easy. You can choose to take a loan that shall be needed to be paid back in instalments which shall be easy on your wallet when the time comes to repay us.

Leaving that aside you must know that getting a 100 percent guaranteed approved loan is very easy since our requirements are such. As long as you meet the following eligibility criteria, you shall receive guaranteed funding from us:

  • Be at least 18 years of age
  • Provide us with your SSN
  • Have a checking account
  • Provide us with verifiable contact details
  • Have an income of at least $1000 a month

Can I Get 100% Guaranteed Loans for Bad Credit?

With us, you can indeed get a payday loan even if you have a bad credit rating. We do not conduct hard credit checks since they not only delay funding but can also cause a reduction in your credit score thus making it difficult for you to get funded elsewhere or in the future. That clearly means that we do not rely on your credit rating in order to fund you. You can have a good, bad or a perfect credit score, but none of that shall matter to us. If you're a first time borrower who has never taken a loan before, you shall still be able to get funded by us.

What we do depend on instead is for you to have a stable monthly income of at least a $1000 which shall prove whether or not you can manage to repay your loan.

Get a 100 Percent Guaranteed Approval Loan in 3 Easy Steps

  • Online Application: Apply online by filling out a very basic form and providing us with your simple documents.
  • Instant Approval: Once we receive your application along with your documents, we shall instantly approve your loan. In case of any confusion or confirmation we shall get in touch with you.
  • Quick Transfers: Once approved, your loan shall be immediately transferred to your bank account which you shall be able to receive within 24 hours depending upon the policies of your bank.
Are 100% Guaranteed Approval Online Loans Unsecured?

Yes, they are. These loans do not require you to offer collateral in order to get approved for them. Being an understanding online direct loan lender, 12MonthsBadCreditLoans does not require you to provide us with security in order to get a loan of a few hundred dollars. As long as you meet our simple eligibility criteria we believe that you shall be able to repay our loan which is why we shall agree to fund you no matter what.

Apply Now to get a 100% guaranteed loan
Get Up To $1000

We know that nothing comes cheap these days and even the smallest of emergencies can come with a high price tag which is why we offer funding up to $500 to our new borrowers and up to $1000 to repeat ones.

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.