Representative Example
C$275 borrowed for 28 days.
Annual interest rate of 359.40%
Total amount repayable by one repayment is C$357.36
2610.15% APR Representative.

Responsible Lending

Getting hold of a loan that suits your current bad credit status is absolutely easy through us at 12 Month Loans Bad Credit. We offer you safe and secure way to borrow the cash you are urgently in need of to fix the expenditures that cropped up all of a sudden. We are open, honest and treat all applicants fairly.

With us you can rest assured to find loans with lending criteria that suits your needs. You can rest assured that we will let you know both the benefits as well as risk involved with the loan you apply for. Clear information about the cost, fee and our terms will also be provided. Lenders may also consider your ability to make regular repayment and your current financial activities before providing you the credit you need.

It is recommended that you borrow the amount of money that will not overstress your finance. Inability to pay off may put you in more debt than what you had. So, make sure that you are repaying back as per schedule. With us you can get a clear picture of the interest rates and as long as you meet the repayment commitment, you will not be charged with any additional fee.

Once you have applied for any of our loan deal at 12 Month Loans Bad Credit, your request will be accessed carefully. If you can assure that you can comfortably repay back then we can guarantee you instant approval. You will just need to fill in a short online form and submit it to apply!