Payday Loans Online – Apply Now!

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Applying won’t affect your credit score and you Social Security Number (SSN) is used only to verify your identity.

It might take up to 5 minutes to find the most suitable deal for you!

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12M Loans uses 256 bit SSL encryption to transfer your personal details to the lender.

Online Payday Loans

Payday loans online or online cash advances are unsecured short-term loans for amounts ranging from $100 to $1,000. Payday loan amounts, terms, and types vary from state to state. 12M Loans offers loans nationwide, with a limited availability in New York. Borrowers may be offered alternative short-term loans like installment loans or flexible line of credit for larger amounts and different repayment terms.

Applying Online for a Payday Loan

12M Loans offers a convenient and quick application process. Getting a payday loan online is fast!

  • Submit the application form;
  • Get an instant decision and offer;
  • Read and sign the agreement;
  • Receive funds into a bank account.

Benefits of Online Payday Loans

Online payday lenders offer more competitive rates, lower fees and flexible repayment options!

  • Fast cash funding in one business day!
  • Immediate response and fast approval!
  • Quick online application!
  • Bad credit is not a problem!

Online Payday Loans Requirements

It's easy to qualify for a payday loan; the loan requirements are basic. Borrower must be a US citizen or US permanent resident, have a regular job or verifiable source of income, be at least 18 years old, and have an active bank account!

Payday Loan Repayment

With 12M Loans lenders it is easy to repay an online payday loan. Lenders will use ACH to withdraw the loan amount and fees on its due date. Borrowers must have sufficient funds in the account to avoid overdraft charges from the bank. In case the borrower can't make the payment on time, he\she should immediately contact the lender.

How 12M Loans Can Help?

At 12M Loans, we believe everyone should have quick access to online lenders, and we strive to provide borrowers a safe and secure way of getting extra funds.

12M Loans provides all the necessary information about online payday loans, responsible borrowing and lending, as well as rates and fees. Our clients get quick and excellent support, complete privacy, and better loan offers!

Get an online payday loan fast with 12M Loans! We are here to help!

Our Clients Get!
  • An Instant Lending Decision!
  • All Credit Types Accepted!
  • Safe and Secure Process!
  • Quick and Easy Online Form!
High Approval Rate!
9 out of 10 applicants are approved for a loan.
Help and Support
We offer outstanding customer support for all clients. Contact us now for quick assistance!
Secure and Compliant

12M Loans is fully compliant with the highest industry standards. We encourage our clients to use loans responsibly!

We use 256-bit SSL encryption to ensure that your personal data is safe!


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