About Us - 12MonthsBadCreditLoans

We provide repayment flexibly & quick service to bad credit borrowers.

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Applying Does NOT Affect Your Credit Score

Why Choose Us

  • All credit scores acceptedAll credit scores accepted
  • Instant loan approvalsInstant loan approvals
  • No credit checksNo credit checks
  • Flexible payment optionsFlexible payment options

How to Get a Loan

  • Apply onlineApply online
  • Get verified and approvedGet verified and approved
  • Accept the offerAccept the offer
  • The money is yoursThe money is yours

Our Customer Values

  • Flexibility and transparencyFlexibility and transparency
  • Guaranteed loan approvalsGuaranteed loan approvals
  • Quick and prompt servicesQuick and prompt services
  • 24x7 service commitment24x7 service commitment

12MonthsBadCredit Loans provides Unmatched Flexibility

  • Monthly installment loans available
  • Bi-monthly installment loans available
  • Payday loans available
  • Tenure options of 3, 6 and 12 months
  • Bad credit and previous rejections OK
  • No penalties on loan extension (subject to prior acceptance)
  • No penalties on pre-payment
  • No faxing and no paperwork needed
  • No credit checks done

Monthly Payment Loans, Bi-Monthly Payment Loans & Payday Loans

When you have a bad credit score, you may have the idea that a payday loan is likely to be your only borrowing option that the lending market has to offer. Well, 12MonthsBadCreditLoans is here for you when you look for repayment options beyond just payday loans. We offer loans of up to 12-months' tenures so if you're eligible for a loan that you and repay conveniently in installments, you shall have access to it no matter what your credit scores are.

How we Provide Installment Loans for Bad Credit

Bad credit installments from 12MonthsBadCreditLoans work in a simple yet practical way. When you apply for a loan, we verify your income and the stability of the source of income. Provided that the data available to us readily supports your loan repayment ability to an acceptable level, we shall be able to approve monthly and/or bi-monthly installments of up to 12 months for you to comfortably repay your loan in parts. This income-based loan hence provides a lot of flexibility for bad credit borrowers unlike most other options available readily in the market.

Learn about Our No Credit Check Loans

All loans from 12MonthsBadCreditLoans have no hard credit checks. This means, that when you apply for a loan, we do not process a traditional credit check that shall feature on your credit reports or impact your credit score. The immediate advantages of such a loan include:

  • 1. All credit scores can be accepted
  • 2. Previously rejected borrowers can be accepted
  • 3. Loan approval process can be quicker
  • 4. Your credit scores remain unchanged

Our Customer Values

Right from the early days, 12MonthsBadCreditLoans has been dedicated at customer-oriented business. Yes, being a high-risk lender our tariffs associated with loans need to remain on the higher side of the loan spectrum. We however work towards ensuring value for our customers, which we believe is the reason for our continued growth in the market. The core customer values driving our organization are laid out as:

  • Flexibility and Transparency integrated in every loan offer we make to our borrowers
  • Guaranteed Loan Approvals subject to verified loan eligibility
  • Quick and Prompt Services of loans, queries and grievance redressal
  • 24x7 Service Commitment for all online queries

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.