Our bad credit loan rates are competitive. We charge $30 for every $100 borrowed. Based on the term of your loan, the Annual Percentage Rate (APR) ranges between 365.00% and 1564.28%.

Extensions or Rollovers and NSF fees.

Term(days)
Loan Amount
     
 
$200.00
$300.00
$400.00
$500.00
 
Fee
A.P.R.
Fee
A.P.R.
Fee
A.P.R.
Fee
A.P.R.
7 $60

1564.28%

$90

1564.28%

$120 1564.28% $150 1564.28%
8 $60

1368.75%

$90

1368.75%

$120 1368.75% $150 1368.75%
9 $60

1216.67%

$90

1216.67%

$120 1216.67% $150 1216.67%
10 $60

1095.00%

$90

1095.00%

$120 1095.00% $150 1095.00%
11 $60

995.45%

$90

995.45%

$120 995.45% $150 995.45%
12 $60

912.50%

$90

912.50%

$120 912.50% $150 912.50%
13 $60

842.31%

$90

842.31%

$120 842.31% $150 842.31%
14 $60

782.14%

$90

782.14%

$120 782.14% $150 782.14%
15 $60

730.00%

$90

730.00%

$120 730.00% $150 730.00%
16 $60

684.38%

$90

684.38%

$120 684.38% $150 684.38%
17 $60

644.12%

$90

644.12%

$120 644.12% $150 644.12%
18 $60

608.33%

$90

608.33%

$120 608.33% $150 608.33%
19 $60

576.31%

$90

576.31%

$120 576.31% $150 576.31%
20 $60

547.50%

$90 547.50% $120 547.50% $150 547.50%
21 $60

521.43%

$90 521.43% $120 521.43% $150 521.43%
22 $60

497.72%

$90 497.72% $120 497.72% $150 497.72%
23 $60

476.08%

$90 476.08% $120 476.08% $150 476.08%
24 $60

456.25%

$90 456.25% $120 456.25% $150 456.25%
25 $60

438.00%

$90 456.25% $120 456.25% $150 456.25%
26 $60

421.12%

$90 421.12% $120 421.12% $150 421.12%
27 $60

405.56%

$90 405.56% $120 405.56% $150 405.56%
28 $60

391.07%

$90 391.07% $120 391.07% $150 391.07%
29 $60

377.58%

$90 377.58% $120 377.58% $150 377.58%
30 $60

365.00%

$90 365.00% $120 365.00% $150 365.00%


  • 12MonthsBadCreditLoans provides fast cash advance, which will be usually due on your next payday, unless your next payday is less than 7 days away. In such a scenario, your account will be debited on the following payday after. Note that the maximum term on our online payday loans is 30 days.

  • It is advisable to contact us in case you cannot pay back on the agreed due date. Because, when we do not hear from you prior to your payday advance due date, we have no option other than to automatically deduct the full loan amount from your bank account. However, if you do not want your account to be debited of full amount, you can request for extension of loan until you receive your next pay check.

  • We allow up to TWO extensions or rollovers with only minimal payment before we require you to pay off your principal. The maximum extension period allowed is 10 weeks or 70 days.

  • You can avail a rollover by paying up at the least sufficient amount to cover interest accrued up to that point. The amount will be deducted directly from your account on the payment due date. For this, you are required to send your extension request a day before your loan due date prior to 8:00 PM EST. However, in order to lessen the principal balance, we recommend you to pay as much extra as possible.

  • NSF (Non-sufficient Funds) fee of $20.00 is applicable, in case of insufficient funds in your bank account.

  • For queries or for additional information, please free to contact us.