Payday Loans Over The Phone

Avoid waiting in queues to get a short-term loan

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Applying Does NOT Affect Your Credit Score

Loans by Phones

Having to run around in search of funds can be a taxing process, especially when you need money urgently. Traditionally, one had to travel all the way to a lender's store in order to be able to apply for a loan. Then they had to wait for days to know whether or not their request had been approved or denied by the lender. However, that isn't the case anymore. You can now apply for a loan by your phone itself by going online and looking for a trusted lender who may be willing to lend you money. 12MonthsBadCreditLoans is one such lender as we provide loans online which you can apply for by your phone itself.

Can I Get a Loan By Phone in an Hour?

Payday Loans Over The Phone

Indeed, you can. There is quite a high chance for you to be able to get a loan by your phone in an hour if your direct lender is 12MonthsBadCreditLoans. Reason being, we require you to provide us with very simple and basic documents once you fill out our very basic form. After we receive your application we shall review and approve it as soon as possible; which majority of the time is done immediately. After approval we shall immediately transfer funds to your account which depending upon your bank's policies shall reach you within 24 hours. If your bank allows it, you can receive the money instantly which means that this whole process can be completed within just an hour.

Can I Get a Loan Over the Phone with No Credit Check?

Yes, you can. Most online loan lenders do not require your credit score in order to fund you and we are amongst those lenders. We do not rely on our borrower's credit scores in order to fund them since we do not believe that a previous faulty repayment can define whether or not you can repay us now. What we do rely on instead is whether or not you have a stable monthly income which shall be the deciding factor when it comes to approval from us. We also do not conduct credit checks since they are time-consuming procedures and defeat the idea of providing loans to you within 24 hours.

Why Apply for Loan Over the Phone Only

If you're in urgent need of money, why go to a store based lender and waste time? First, you will have to travel all the way to their store, then you may have to wait in a queue for your turn, then you may have to go through a ton of paperwork after which you will be expected to wait for quite a while for them to approve your loan. In case your request is denied, you will have to go running to another lender for help. Why go through all the hassle when you can get money online now?

You can now avoid running back and forth in order to get a loan of a few hundred dollars and can also avoid standing in long queues in order to get funded. All you have to do is hop online and get applying with very easy terms and simple forms to fill.

Apply Now to get Payday Loans Over the Phone today.
How Can I Get Qualified for a Loan Over the Phone?

It is very easy to get a loan over the phone at 12MonthsBadCreditLoans. Here is the eligibility criteria:

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

Get Loans Over the Phone in 3 Simple Steps

Getting a loan over the phone includes just 3 simple steps:

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

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.