Guaranteed Payday Loans from a Direct Lender

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Applying Does NOT Affect Your Credit Score

Guaranteed Payday Loans Online from a Direct Lender

When you need money but are denied funding by a traditional lender, it may be because you have a bad credit score, because you cannot provide them with collateral or because you simply fail to cater to their stringent requirements in order for you to qualify for a loan with them. However, that isn't the case with considerate payday loan lenders like us.

We offer funding with very easy terms and conditions which one can get through without much effort and without the need to go through strict approval procedures. With us as your direct lender, you can get guaranteed payday loans.

Can I Get a Guaranteed Payday Loan for Bad Credit?


With us, you can get a guaranteed payday loan even if you have a bad credit score. We understand that you may have made mistakes in your past in terms of repayments, and we also know that it isn't the borrower's fault every time. It is possible that even your previous lender may have made a mistake while updating your repayment. By keeping that in mind and giving you the benefit of doubt and also by giving you another chance to get funded, we offer bad credit guaranteed payday loans to you.

We do not conduct hard credit checks, unlike traditional lenders who do, which not only gives you a chance to get funded in case you have a bad credit rating, but it also doesn't affect your credit rating for the worse. What we rely on instead of your credit status is your income statement which if is a stable monthly one, shall ensure funding to you from our end.

Do We Guarantee Payday Loans to Our Borrowers?

We do guarantee payday loans to our borrowers as long as they meet the following eligibility criteria:

  • 1. Are a permanent residence of citizenship of the USA
  • 2. Have an active bank account and provide us with 3 months' statement
  • 3. Provide us with pay stubs or salary slips of 3 months showing a stable monthly income of $1,000 or above
  • 4. Provide us with valid contact details
  • 5. Provide us with proof of age (18+) and identity

How Should You Apply for a Guaranteed Payday Loan with a Direct Lender?

It is very easy to apply for a guaranteed payday loan with a direct lender like 12MonthsBadCredit. The whole borrowing experience with us is as simple as it can get and includes the following:

  • Apply Online: It takes just a few minutes to fill out our very basic form and provide us with the details/ documents mentioned above.
  • Get Instantly Approved: As long as you meet our very basic eligibility criteria, you shall get approved instantly for a cash advance with us. In case of any doubts regarding the information you provide us with, we shall get in touch with you.
  • Get Immediately Funded: It hardly takes any time for us to transfer funds to your checking account once we approve your loan which shall reach you within 24 hours depending upon the policies of your bank.
  • Simple Repayments: You don't have to run around in order to repay your loan. Once it is time for repayment you shall be notified and the money shall automatically be transferred from your account to us.
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Get Guaranteed Payday Loans with Simple Requirements

1. In order for you to get a guaranteed loan with us, you don't have to worry about offering collateral or having the best credit score. You can get funded without having a perfect credit score since we are a considerate lender who understands that majority people do not have the best credit rating. Even if you do not have the best credit rating, we shall fund you without asking for collateral in return.

When Can You Repay Your Payday Loan?

You shall be required to repay your payday loan on your next consecutive pay date. However, in case you need more time to do so, you're welcome to apply for a rollover or an extension with us.

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.