Get Installment Loans Online Even for Bad Credit

Get a Cash Advance With Flexible Repayments.

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Applying Does NOT Affect Your Credit Score

Installment Loans Online from 12MonthsBadCreditLoans

Payday loans are most certainly not the easiest forms of loans to repay. It can be challenging to have to repay your loan all at once if how much you earn is about as much as you may have to repay. Of course, there are other expenses that one has to cater to in order to lead a fairly decent and debt-free life; but payday loans do not make that easy at all.

With 12MonthsBadCreditLoans, you can get an installment loan instead. This helps you repay your money with ease and isn't a burden on your pocket when the time comes to repay us- your lender.

Can I get an Installment Loan with a Bad Credit Score?

Online Installment Loans

Yes, with us, you most certainly get a loan even if you have a bad credit rating. In fact, if you have a bad credit rating, opting for our installment loans makes for a better option for you. That way you get to avoid taking loans elsewhere and can focus on your other important tasks in life. You therefore don't get pushed deeper into a debt cycle.

For one who has a bad credit score, taking a payday loan can make for a bad choice. That's because since you have to repay your loan in lump-sum, and may not be ready for it, you may have to take a loan for debt consolidation from another lender to repay your first which can push you deeper into debt thus making you fall into a debt trap.

How Big a Guaranteed Installment Loan Can I Get If I Have Bad Credit?

You most certainly cannot get a loan as big as what a traditional lender may offer, but this amount may be enough for you to be able to address your emergency requirement with ease. We do not differentiate in our borrowers on the basis of their credit scores, so if you're a bad credit holder but meet all our basic eligibility requirements, you shall qualify for a loan that is the same amount as that given to a person with a good credit rating.

We offer loans up to $500 to new customers and loans up to $1000 to repeat customers; and this is what shall be the deciding factor about how much you can receive from us.

Apply Now to get the easiest online installment loan today.
What Are The Eligibility Criteria in Order to Qualify for Our Installment Loans?

We have made the loan easy for the vast majority of the borrowers to qualify for. Here's what you shall need:

  • 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

Get Installment Loans in 3 Simple Steps

Getting an installment loan from us is as easy as getting our payday loans. Here are the 3 simple steps one goes through in order to get a cash advance from us:

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

When Can You Repay Your Installment Loan?

That depends on how much you borrow. You can repay us in 3 months, 6 months or even 12 months.

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.