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IMPORTANT NOTICE: 12monthsloansbadcredit.com is NOT a lender, loan broker, or agent. We do not make credit decisions or originate, issue, service, or broker loans. We are an independent advertising and loan connection service connecting consumers with participating third-party lenders. Not all lenders can provide the loan amounts or terms advertised. Loan approval and availability vary by lender and state law.

Short-term loans are not a long-term financial solution. Borrowers facing serious financial difficulties should consult a financial professional. APR DISCLOSURE: Annual Percentage Rate ranges from 5.99% to 35.99% for qualified applicants. Actual APR depends on loan amount, term, creditworthiness, and factors determined by the lender.

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