Important information about how 12M Loans works and what to expect when you submit a loan request.
12M Loans, LLC is not a lender or loan broker. We operate as an online loans advertising service. By submitting your details, you agree that we may share your information with participating lenders to help match you with a suitable loan offer.
We cannot guarantee that any lender will approve your request or that any specific loan amount will be offered. Approvals and terms depend on each lender’s criteria, your credit profile and the state where you live.
APRs in our lender network typically range from approximately 5.99% to 199%, depending on the loan type, lender, your creditworthiness and your state of residence. A $1,500 loan with a 6-month term at a 49% APR would have an approximate monthly payment of $268 and a total cost of $1,608.
Short-term loans are intended for urgent, short-term cash needs only and are not a long-term financial solution. Borrowers should always carefully consider their ability to repay before committing to any loan.
Late, partial or missed payments can result in additional fees, increased interest and damage to your credit score. If you find yourself unable to repay a loan on time, please contact your lender as early as possible — many lenders offer hardship programs.
Loan availability, maximum amounts, minimum amounts, rates and other terms vary by state. Not all lenders operate in every state and not every applicant will qualify. Please review your lender’s disclosures carefully before accepting any offer.
If you have questions about this disclaimer, please contact us.