Last updated: January 2026. By using the 12M Loans website, you agree to these terms.
By accessing or using 12monthsloansbadcredit.com (the "Site") you agree to be bound by these Terms of Use. If you do not agree, please do not use the Site.
12M Loans, LLC operates this Site as an online advertising and matching service. We are not a lender and we do not make credit decisions. We help connect you with independent third-party lenders who may offer you a loan.
You must be at least 18 years old (19 in Alabama and Nebraska, 21 in Mississippi and Puerto Rico), a U.S. citizen or permanent resident, and have a steady source of income and an active checking account in your name.
You agree to provide true, accurate and complete information when submitting a loan request. Providing false information may be grounds for loan denial and can constitute a crime.
We cannot guarantee that any lender will approve your request, offer a specific loan amount, or provide any particular terms. Offers are subject to individual lender approval and vary by state.
When you are matched with a lender, your relationship regarding any loan is with that lender, not with 12M Loans. Your loan agreement is a contract between you and the lender and we are not a party to it.
All content on this Site, including text, graphics, logos and software, is owned by or licensed to 12M Loans and is protected by copyright and trademark laws. You may not reproduce, distribute or create derivative works without our written permission.
The Site is provided on an "as is" and "as available" basis without warranties of any kind. To the fullest extent permitted by law, 12M Loans is not liable for any indirect, incidental or consequential damages arising from your use of the Site.
We may update these Terms of Use from time to time. Continued use of the Site after changes are posted constitutes your acceptance of the updated terms.