I Need Money Now!- Get in Touch with a Direct Lender

For your urgent monetary requirement

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Applying Does NOT Affect Your Credit Score

I Need Money Now - Approach Us

If you're looking for the phrase "I need money now" and do not know whom to approach, you're on the right webpage. As a considerate online loan lender we offer quick financial solutions to your urgent monetary needs. Without causing a delay in funding, we offer cash advances within 24 hours which you can use to cater to your emergency, as soon as possible. We do not conduct the time-taking procedures that traditional lenders do in their approval procedures which makes it fairly easy for you to get money quickly, from us as your direct loan lenders.

I Need Money Desperately - Can I Get It Today?


You can indeed get the money you need on the same day as application from 12MonthsBadCreditLoans. That's however as long as you:

  • 1. Provide easily verifiable, complete and authentic details and documents
  • 2. Stay contactable on call and email
  • 3. Once you receive a loan offer, promptly read, understand and accept it
  • 4. Always apply for loans during early business hours or at the earliest that you determine your need for the loan.

However, it is important for you to know and note that a few verifications may be required from our external partners and if it comes to that, it may cause a slight delay in the approval process. Delays can also be caused by your own bank depending upon their policies and how fast they approve transfers.

Who Can Help Me With Emergency Money and How Much Can I Receive?

Traditional lenders usually take a while to approve and transfer funds to their borrowers considering the time-taking approval procedures they conduct. That's why, approaching a direct lender for help is the right call to make.

Applying for a loan with a store based lender can also waste your time since it involves travelling, standing in long queues and going through a ton of paperwork just to get a short-term loan of a few hundred bucks from them. The best thing to do is to apply online with a legitimate direct lender since you can avoid going through time-taking procedures from your end, and since they avoid time-taking approval processes from theirs.

How much you shall be able to receive will depend on your lender. We offer up to $500 to new clients and up to $1000 to our repeat customers which is a fairly good amount to help cater to most emergencies.

Apply Now from the comfort of your own home
Need Money Urgently? Apply with These Easy Terms

Here are the basic documents you shall need to provide in order to get a cash advance from us:

  • 1. Permanent residence of citizenship of the USA
  • 2. An active bank account and 3 months' statement
  • 3. Pay stubs or salary slips of 3 months showing a stable monthly income of $1,000 or above
  • 4. Valid contact details
  • 5. Proof of age (18+) and identity
Can I Get a Loan When I Need Money Now Without Collateral?

You can indeed get a loan from us when you're in dire need of cash when you need money urgently. We do not ask our borrowers to offer collateral in order to get funded since that process can take up to days to process and get approved.

Get a Loan for Bad Credit Online , in 4 Simple Steps

The process to apply for an online loan for bad credit borrowers when they need money now, has been designed to be simple and friendly. It just takes 4 steps and the loan shall be yours:

  • 1. Apply Online
  • 2. Get Approved once Verified for Eligibility
  • 3. Accept the Loan Offer Online
  • 4. Your Loan is Credited

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.