No Tele-Check Payday Loans

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Applying Does NOT Affect Your Credit Score

Guaranteed Payday Loans come with No Teletrack

Our guaranteed payday loans come with no teletrack or other forms of credit checks since we do not rely on them in order to fund our borrowers. What we do depend on is one's income statement which shall fetch them our loans. We do not conduct hard credit checks since that only slows down the approval process which defeats the purpose of our loans, which is to transfer funds quickly.

Can I Get a Guaranteed Payday Loan without Providing Collateral?

No Teletrack Payday Loans from Direct Lender

Yes, with us, you can indeed get a guaranteed payday loan that's unsecured. At 12MonthsBadCreditLoans we do not believe in asking for collateral in order to fund our borrowers. That's because we do not expect everyone to have something to offer as security in the first place. Also, processing collateral takes a while which can further delay funding which is something we like to avoid.

How Big a Loan Can I Get Which is Guaranteed?

If we approve funding for you, you shall be able to receive up to $1000 depending upon how much you earn as well as whether you're a first time borrower or not. If you are a first time borrower, you shall be able to receive up to $500. If you're a returning customer, you shall be eligible to receive up to $1000.

Our Terms for you to Get a Loan are Very Easy

We do not need your credit rating or collateral in order to fund you with guaranteed approvals. As long as you meet the following eligibility criteria, you're good to go.

  • Permanent residence of citizenship of the USA
  • An active bank account and 3 months' statement
  • Pay stubs or salary slips of 3 months showing a stable monthly income of $1,000 or above
  • Valid contact details
  • Proof of age (18+) and identity
Apply Now to get No Teletrack Payday Loans with ease.
How Can I Get a Payday Loan with No Telecheck?

If you're in urgent need of funding but you don't know whom to approach for help, you're on the right page. You don't have to travel back and forth or from lender to lender, or stand in long queues just to get a loan, nor do you have to worry about us conducting telechecks. All you have to do to get a payday loan that is guaranteed is go through 3 simple steps:

  • Apply Online: Take out just a few minutes of your time to apply for a loan with us.
  • Get Approved Instantly: Sit back and relax while we approve your loan with no telecheck. In case of any doubts regarding your application, we shall get in touch with you via the contact details provided.
  • Quick Transfers: Once approved, your loan shall be transferred as soon as possible, directly into your bank account.
Get No Tele Check Payday Loans Online

By having to apply online, you can make your loan receiving journey very easy. All you have to do is hop onto our website and apply by sparing just a few minutes. You don't have to run around from store to store just to get a loan of a few hundred dollars. We offer up to $1000 to make life easy for you since we know that everything comes with a high price tag these days.

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.