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Borrowing money online with bad credit score was never this hassle-free. I would definitely recommend 12monthsbadcreditloans to all the people with poor credit.- Jessyca


An outstanding customer service, faster payday loan processing, no faxing and no credit checks made it possible to get my much needed money on same day. Thank You! - Marry Johnson


Many thanks to this personal loan direct lender for offering cash advance on simple requirements. Otherwise, it was challenging to get an online loan with my imperfect credit rating. - Leo Elijabeth


I did not expect that I would get cash this fast. The same day pay out feature is truly commendable. Thank you very much to the team at 12monthsbadcreditloans for a speedy response in times of my financial emergency. - Brown Joy


I trust this direct payday lender because the lending process was indeed very transparent with no hidden charges and no additional costs. Besides, all the rates were upfront and loan terms were clearly mentioned. - Leesa Brain

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.