3-Month Payday Loans for Flexible Repayments

Get funds that you can repay flexibly

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Applying Does NOT Affect Your Credit Score

3 Month Payday Loans from Direct Lenders

When you need money urgently, turning to a traditional lender for help isn't the best idea, as you might already know. That's when you think of opting for a payday loan, since these loans are approved and transferred quicker than most other loans. However, repaying a payday loan can be quite a task since one has to pay them back in lump-sum on their very next pay date. The better option in a scenario where taking a payday loan is stressful, is to apply for a 3 month payday loan with 12MonthsBadCreditLoans. That way, you can repay your loan over the course of 3 months which shall make life easier for you.

Can I Get a 3 Month Payday Loan with No Credit Check?

3 Month Payday Loans Bad Credit

Yes, with us, you can get a 3-month payday loan with no credit check. At 12MonthsBadCreditLoans we do not believe in conducting credit checks since they are time consuming procedures. Hard credit checks are conducted by traditional lenders in order to approve or disapprove loans; bad credit holders rarely get funded by them. We however know that most people don't have the best credit ratings, but still need money which is why we do not fund them on the basis of what their credit rating is.

We instead rely on their income statement which must prove to be a stable one on a monthly basis. As long as a borrower has that, getting funded by us is very easy.

Why Apply for 3 Month Payday Loans Online?

  • Easy access: You don't have to go around hunting for a store in order to apply with us. All you have to do is hop online and get applying.
  • No travel: You don't have to travel from store to store without knowing their terms and conditions and waste your time. Just go through our eligibility criteria and if that matches, you can get applying with us.
  • No paperwork: Applying with us is simple and hassle free and doesn't involve any paperwork or faxing.
  • No queues: You don't have to stand in line waiting for your turn with us.
Apply Now to get a 3 month payday loan for bad credit
Here is How You Can Repay Your 3 Month Payday Loan

Payday loans are usually meant to be repaid on your next consecutive pay date, but with our 3 month payday loans you can repay us flexibly. You can repay us over the course of 3 months, that too without having to come down to a store to repay us. Our ACH system allows automatic transfers which makes life easy for both you and us as well.

What Is The Eligibility Criteria?

In order to get a 3 month online payday loan from a direct lender like us, you will have to:

  • Be a citizen of the United States
  • Provide us with an age proof that must state that you are at least 18 years of age
  • Provide us with checking account details
  • Provide us with contact details
  • Provide your income statement or your pay stub for proof of income stability
Get a 3 Month Payday Loans Online

Your 3 month payday loans are unsecured at 12MonthsBadCreditLoans which means that you do not have to provide collateral in order to get funded by us. We do not wish to slow down the approval process by asking our borrowers to offer collateral even if they have bad credit.

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.