About Us

Congratulations! You have found a friend, that can borrow you some money without any questions!
12 Months Loans goes beyond being a cold-hearted lender, who judges applicants by their credit score and income. We don’t judge; we offer solutions.

How we have come to be the ones we are today?

It all started back in 2015 when one of us was looking for a loan. All lenders transform a human being into a chart of numbers, scores, and rates. That didn’t seem ok then, and it still doesn’t seem ok nowadays. This is how the idea of creating a “friendly online loans service” that offers money and provides acceptable terms has come up.

What do we offer?

We offer money to people who need it. Whether you have good or bad credit, you will find a suitable offer on our website.

  • Do you need money to pay your bills?
  • Are you looking for instant cash for urgent repairs?
  • Is there a wedding coming up?
  • Maybe you haven’t been on vacation for some time now?

Whatever the reason you need money for, 12M Loans, LLC (12MonthsLoansBadCredit.Com) offers suitable loans for that: payday loans or cash advance, personal unsecured loans, loans for people with bad credit, installment loans – we have it all.

Visit our store!

12M Loans store, we open 24 hours a day Mailing Address
410 E Santa Clara Street
Unit #805
San Jose, CA 95113

Registered Address
1267 Willis St
STE 200
Redding, CA 96001

Why choose us?

1. Because we are different, kinder, friendlier and warmer.
2. Because we want to educate our customers on how to use their money correctly and we have an impressive selection of educational, financial articles.
3. Because we work exclusively with legit lenders, who don’t accept predatory lending practices or abusive behavior.
Simply, because we care about our customers and we try to find a solution for each and every one of them.

Our Team

Meet our expert team that can help you anytime you may need!