Payday Loans with Instant Decisions

24/7 Accessibility for your Urgent Need of Money

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Applying Does NOT Affect Your Credit Score

Instant Payday Loans from Direct Lenders

If you need money ASAP, you may consider your options in terms of which lender to approach for the same. You may take into consideration applying with a traditional lender, but in case you don't already know, their approval procedures and long and time-consuming. That's why, when you need money urgently, the wise thing to do is to apply with a direct loan lender since they offer loans almost instantly. Direct loan lenders do not conduct time taking approval procedures which makes it easy for them to offer money to their borrowers as soon as possible, thus helping them avoid causing a delay in catering to their emergency.

Do Instant Decision Payday Loans come with No Paperwork?

Instant Payday Loans

That depends on which lender you go to. If you visit a store based direct lender, you will have to go through paperwork since you may have to fill out forms and provide them with hard copies of the documents that they ask you for. On the other hand, if you apply for a loan with an online loan lender like us, you don't have to go through any paperwork at all. Thanks to the digital age that we live in, you can now apply online itself without having to go through a ton of paperwork.

Can I Get a Bad Credit Loan Instantly?

At 12MonthsBadCreditLoans, you can. We do not conduct hard credit checks for two reasons. One is that we do not wish to cause a reduction in your credit rating to help you get funded elsewhere because of the slight possibility that you may not get funded by us; and two, because we do not wish to delay funding to our borrowers. Credit checks are time consuming processes which we wish to avoid since they defeat the purpose of providing loans instantly. That allows people with bad credit ratings also to get a chance to get funded by lenders like us.

This is the Eligibility Criteria for You to get Instant Cash Advances from Us

  • Be a resident of the U.S.
  • Have a valid checking account
  • Have verifiable contact details
  • Be at least 18 years old
  • Have an income of at least $1000 a month
Apply Now to get an instant payday loan online.
Are These Loans Unsecured?

Yes, instant decision payday loans with no credit check at 12MonthsBadCreditLoans are unsecured. We do not ask our borrowers to offer collateral in order to receive funds from us. That's because processing collateral can take quite a while which is why we avoid asking for them in the first place. Also, we understand that if all you need is a few hundred dollars, putting up something as security is only unfair to you. Unlike traditional lenders, we do not ask for any kind of security pledge for you to get funded by us.

How Much Money Can I Receive if I Want an Instant Payday Loan?

That depends upon your lender. If you choose to apply with us, you can receive up to $500 if you're a new borrower. However, if you're a repeat customer you can get a chance to receive up to $1000 also.

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.