Overnight Payday Loans

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Applying Does NOT Affect Your Credit Score

Overnight Payday Loans Online

When you need cash for an emergency, you may wonder what your options are. You can't go to a traditional lender to seek help considering their stringent and lengthy approval procedures that take days to complete. You may not even have the option to approach a friend or a family member for help and in such a case, approaching a direct lender is the best possible option. Lenders like us offer loans to those who need money urgently in order to cater to an urgent matter.

When you need money overnight, you may not know where to go or whom to approach for help. However, the good news is that you can just hop online and get money instantly.

Why Apply For Over Night Loans Online?


When you need money as soon as on the next day after application, it's a wise decision to apply online with a direct lender since it helps you save a lot of time. You will not have to go around looking for a lender who shall agree to fund you, nor will you have to stand in line or go through a ton of paperwork. Also, when you need money urgently but at night, you may not have the option to visit a store based lender since they may not be open at that hour.

However, online loan lenders are accessible 24x7 which allows one to apply for a loan wherever and whenever.

Can I Get a Loan Overnight If I Have Bad Credit?

With us, you can. Our eligibility criteria does not include having a perfect credit rating which allows even bad credit score holders to apply for a loan and receive funding from us.

Unlike traditional lenders who conduct hard credit checks, we do not do the same for two reasons:

  • 1) Hard credit checks can result in the reduction of one's credit rating which is something we do not wish to do.
  • 2) Hard credit checks take a lot of time to go through and process which defeats the purpose of our loans which is to give money to our borrowers as soon as possible.

That's why, even if one has a bad credit rating, he/she can easily get a loan from 12MonthsBadCreditLoans.

What is the Eligibility Criteria to Get an Overnight Cash Loan?

In order to receive an overnight loan online from 12MonthsBadCreditLoans, you have to meet the following simple eligibility criteria:

  • Be a resident of the USA
  • Have a stable monthly income of $1000 or more
  • Be at least 18 years of age
  • Have a valid checking account
  • Provide us with valid contact details

It is very easy to get a loan from us since our requirements are such. Our documentation requirement is very simple and includes very basic documents. Also, since the documents you provide to us are very simple ones, it doesn't take too long to process and approve your loans which results in quick transfers which is why we claim to offer overnight cash loans to you.

Apply Now to get an overnight cash loan from us.
Overnight Loans are Unsecured at 12MonthsBadCreditLoans

We offer overnight loans that are unsecured since processing collateral is a time taking procedure which we shall avoid given the fact that you need money urgently. Even if you have bad credit, you don't have to worry about having to offer security of any kind in order to get a loan from 12MonthsBadcreditLoans.

Get Overnight Payday Loans up to $1000 from a Direct Lender

When you choose to apply with us, you can get the benefit of being able to receive up to $1000 irrespective of whether you have a good, a bad or no credit history at all. If you're a first time borrower, you shall be able to receive up to $500.

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.