Debt Consolidation Loans for Payday Loans

Pay off existing dues easily

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Applying Does NOT Affect Your Credit Score

What are Payday Consolidation Loans?

When you take payday loans over payday loans, you can get caught in a debt trap. When you need money in order to cater to an emergency, but your lender doesn't provide you with enough, you may have to seek funding elsewhere which makes you liable to multiple lenders all at once thus making it difficult for you to repay every one of them. Payday debt consolidation loans provided by lenders like us- 12MonthsBadCreditLoans are given for you to be able to repay your existing lenders all at once, thus being liable to a single lender.

Payday Loan Consolidation

Can I Consolidate my Payday Loans if I Have Bad Credit?

With us, yes you can. You can receive loans for debt consolidation even if you have a bad credit rating. Firstly, it is kind of a given that you most likely have bad credit if you apply for a debt consolidation loan because that means that you need to clear off multiple debts already. So, since we understand that, we offer loans for bad credit as well.

Also, in order to avoid delaying the approval procedure, we do not conduct hard credit checks, unlike the case with traditional lenders who do. This means that your credit rating isn't threatened at all and it shall not be harmed in any way.

How Much Do We Offer for Debt Consolidation?

We offer up to $1000 in order to help you get rid of your existing loans. However, you must have a monthly income of at least $1000 for that. Also, if you're a first time borrower you will most likely be eligible to get up to $500 from us. If you're a returning customer up to $1000 is what you shall be able to receive.

Your payday loan shall be required to be repaid on your following pay date/ when you receive your salary.

Apply for a Debt Consolidation Loan with 12MonthsBadCreditLoans
Here is Why You Should Choose to Apply for Your Debt Consolidation Loan with us:
  • Quick applications: All you need to do in order to apply with us is fill a very basic form and provide us with very basic documents.
  • Quick approvals: We do not conduct hard credit checks or do not require our borrowers to provide collaterals which makes the approval process quick and simple.
  • Quick transfers: Once approved, your loan shall be transferred immediately.
  • Easy Repayments: Our repayment terms are simple and you don't have to go down all the way to a store in order to repay your loan since with us it is automated. Also, you can apply for a flexible loan with us which makes repayments even easier for you.
What Do I Need to Get a Debt Consolidation Loan from 12MonthsBadCreditLoans?

All you need is to have a stable income and provide us with these basic documents in order to get a cash advance from us for debt consolidation:

  • Social Security Number
  • Income statement/ Pay stub
  • Age proof (18+)
  • Checking account details
  • Verifiable contact details
Are These Loans Safe to Apply for?

Our end to end encryption ensures that your loan reaches us without any interference. Also, we aren't a third party lender and provide your information directly to our partners who in turn accept or reject your loan. You shall not be bothered with multiple calls or messages from random lenders.

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.