12MonthsLoansBadCredit.com is a lender-matching service which primary goal is to connect consumers like you with short term loan lenders when unexpected financial emergencies arise. We can successfully match most of the individuals who uses our online form to get matched with a lender with the loan provider who can approve them. Usually, these loans can be available to the people regardless of their credit histories, and even those who have no credit at all may have access to this financial instrument in many cases.
About Short Term Loans
Our secure online form is fast and free
The filling out of the online form at 12MonthsLoansBadCredit.com only takes about two minutes, it is completely protected with top-notch security software and free for you to fill out. We only ask for the information we need to match you with a lender in our network, and after you submit this information, it is forwarded to the reputable lenders who can provide you with up to $1000 in as little as one business day in most cases.
Your no-obligation offer
In a matter of minutes after you have submitted your information, you can be matched with one of our lenders and can get an offer that suits your requirements and your details. You are never under obligation to accept any offer, so if the offer you receive is not satisfactory, you can simply reject it, and it will cost you nothing.
Getting your cash
After getting the offer that suits your financial needs, you will go through the details of your loan agreement. Then, your lender will ask you to provide your electronic signature in order to enter into a contract. Once this step has been completed, your lender will usually deposit the loan amount for which you were approved into your checking account on the following business day.
Repaying your loan
Some of our lenders can make the loan repayment process incredibly simple. If you opt for the direct withdrawal option while closing your loan agreement, you can have the repayment done for you electronically. In most cases, all you will need to do in order to repay your loan is to ensure that the repayment amount—the amount of the loan plus any applicable fees and interest—is available for withdrawal on the scheduled date. This way, you do not have to mail any checks or money orders and you do not have to visit a retail location. This paperless process also helps to reduce the likelihood of late payments and may even save you money.
Short Term Loan Qualifications
Qualifying for a short term loan is simpler and easier than qualifying for other forms of consumer credit. These are the basic qualifications associated with obtaining a short term cash loan:
• You must be 18 years of age or older;
• You must legally live and work in the United States;
• You must be employed with the same employer for a minimum of 90 days;
• You must have a bank account that is not currently overdrawn;
• You must have a valid email address and working telephone number;
• You must meet minimum income requirements.
Your Credit History Is Usually Not the Critical Issue
Even though the lenders that partner with 12MonthsLoansBadCredit.com do perform credit checks if necessary, individuals with imperfect credit or no credit at all usually can qualify for loans anyway. The lenders in our network may also perform alternative credit checks with the companies like TeleTrack or DP. These verifications help to ensure that you are not currently in bankruptcy and that you do not have outstanding loans with other lenders. These checks usually do not affect your credit score. We have matched millions of consumers with the lenders in our network across the country and are dedicated to helping you get the funds you need when you need them most.
Getting the Biggest Benefit from Short Term Loans
In order get the benefits associated with short term loans, it is important for you to repay your loan on time. This will help you avoid potentially high late fees and build a better business relationship with your lender. You should always ensure that you will have the funds available to repay your loan before you submit your information or e-sign any loan agreement. You should contact your lender immediately to discuss the available options if you will be unable to repay your loan on time.
How We Can Help
We are always available to answer your questions about this website, our services and short term loans in general. We strive to provide you with outstanding customer support and will answer your inquiries as quickly as possible. If you have issues with any particular loan deal with one of our lenders, please, contact that lender directly, because we are not authorized to have details regarding any loan agreement you have entered.