These guys helped me to get money fast…
These guys helped me to get money fast without regard to my poor credit. Happy with their services.

12M Loans is an online financial service that specializes in providing loan solutions for individuals with bad credit. The company facilitates access to short-term loans, designed to assist customers who may struggle to secure financing through traditional banking channels. By connecting borrowers with a network of lenders, 12M Loans aims to streamline the loan application process and improve the likelihood of approval for those facing credit challenges. Targeting consumers in need of immediate financial assistance, 12M Loans caters primarily to individuals seeking quick cash solutions for unexpected expenses or emergencies. The platform offers a user-friendly experience, allowing customers to apply for loans online with minimal hassle. By focusing on the needs of those with poor credit history, 12M Loans seeks to provide accessible financing options while maintaining transparency throughout the lending process.
Reviewers consistently praise 12M Loans for its fast and easy loan application process, highlighting the user-friendly website and quick responses as standout features. Many customers express satisfaction with the friendly and helpful staff, noting that they provide clear guidance and support throughout the loan process.
The transparency of terms and the ability to secure loans despite poor credit are also frequently mentioned as significant advantages. While one reviewer describes the company as "normal" and nothing special, the overall sentiment remains overwhelmingly positive. With a strong emphasis on speed and customer service, 12M Loans is regarded as a reliable option for those in need of financial assistance. Overall, the sentiment is highly favorable.
Summary generated with AI from recent reviews
Each source counts by its number of reviews. Only reviews written by people are scored.
| Source | Rating | Reviews | Weight | 6-mo | Fake risk |
|---|---|---|---|---|---|
Trustpilot Imported Trustpilot reviews | 4.6 | 22 | 100% | ● Low |
Monthly average rating from reviews written by people · latest review Jan 2022.
| Month | Average | Reviews |
|---|---|---|
| Nov 21 | 5.0 | 1 |
| Dec 21 | — | 0 |
| Jan 22 | 4.5 | 2 |
Share of positive (4–5★) and negative (1–2★) reviews mentioning each topic · based on the 22 most recent reviews.
“useful service, definitely give it a try”
Same method for every company: overall rating, legitimacy checks, the average rating of reviews mentioning each area and the 6-month trend · Loans & Mortgages.
| Company | Overall | Legit | Service | Trend | Reviews |
|---|---|---|---|---|---|
| 4.6 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | 22 | |
| 4.3 out of 5 (good) | 100 out of 100 | 4.2 out of 5 (good) | +39% | 1,000 | |
| 4.8 out of 5 (good) | 100 out of 100 | 4.6 out of 5 (good) | — | 1,000 | |
| 4.2 out of 5 (good) | 100 out of 100 | 4.0 out of 5 (good) | −19% | 618 | |
| 4.7 out of 5 (good) | 100 out of 100 | 4.5 out of 5 (good) | — | 27 |
Bottom line: 12M Loans is #3 of 5 on overall rating in this group.
22 reviews of 12M Loans. Filter by what matters to you.
Over a year ago
These guys helped me to get money fast without regard to my poor credit. Happy with their services.
Over a year ago
It is one of the best lending companies in my area. Got connected with direct lenders with no disappointments. Payday loan till my next paycheck is definitely a good product I will try next time!
Over a year ago
Normal company, worked as expected, nothing special but for sure it's not a disappointment.
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These guys helped me to get money fast without regard to my poor credit. Happy with their services.
It was my frirst payday loan, so I was choosing the company cautiously. They are very friendly and willing to help, the terms are quite transparent and the requirements are easy to meet. The loan arrived to me really fast and it helped me a lot, but why, why does it cost so much??? (that is why I can't give you 5 stars...)
It is one of the best lending companies in my area. Got connected with direct lenders with no disappointments. Payday loan till my next paycheck is definitely a good product I will try next time!
Normal company, worked as expected, nothing special but for sure it's not a disappointment.
don't even know how to thank you guys cause you gave me a hand when i needed most! Hope to never go back to the financial problems i faced then. Peace!
Didn't expect it to be so easy. Everything went smooth, with no hurry or pressure.
my first time experience with this matching services company was an amazing experience. they are so helpful and easy to understand and will give you some great pieces of advice! anyone who looking to start out this is a good place to start with.
Great place for loans!
It was incredibly easy to apply for a loan as 12MLoans created a user-friendly website. I even had no questions regarding it.
Almost everybody know that payday loans are very unsecured and have high interest rates, but I would like to reassure you that all the payday loan application and approval process depends on the lending service you contact. I choose 12M Loans for my first payday loan and I need to say that it's the best choice for people who arent sure about their security and interest rates. Highly recommend!
the loan application was easy and fast enough. i had applied for a loan multiple times, but this time i felt like the process was going really faster and easier. everything was clear as the website application from was user-friendly. i definitely advise 12Mloans for people who are going to apply for a loan for the first time.
If you want to get the most helpful and responsive customer service you've ever had - ask for Ricky, one of the 12M Loans customer agents. He is a great employee. I don't know how he is doing it, but he's always in a good spirit and ready to provide the necessary details. Not just sending information or telling you about different things that you can't even understand. He tried to EXPLAIN it to you. Just for your clear understanding and avoiding any confusions. I wish Customer agents from other companies would be the same as Ricky.
Do you know how hard it is to meet responsible and responsive workers in our days? Yes, it's very complicated. I am a business owner, so I often use loans providing agency service for my projects. As you understand, I've changed a lot of different loans connecting companies. It's not because of my uncertainly but in order to find the best one. I prefer to be a loyal customer but only for the same loyal company. I didn't like all the agencies I had contacted. I've already lost my faith in the possibility of finding the best loan providing agency. And you know what? I've found 12M Loans. From that moment, I didn't change an agency, and I even had no thought of finding another one. I'm totally sure it's the best place where you can get any help you need!
Super easy to apply! Fast response and clear contract. Highly recommended.
fast processing that is very important when need cash urgently
Very straightforward scholarship prompts! I liked making the video for the essay, and they're very good with contacting the contest winners. I also ended up reading some of the past winning videos/essays and learned a thing or two about financial literacy.
Not a fan of payday loans, but this time had an emergency. Thankfully got the loan fast without any issues.
12M Loans is an online financial service that specializes in providing loan solutions for individuals with bad credit. The company facilitates access to short-term loans, designed to assist customers who may struggle to secure financing through traditional banking channels. By connecting borrowers with a network of lenders, 12M Loans aims to streamline the loan application process and improve the likelihood of approval for those facing credit challenges. Targeting consumers in need of immediate financial assistance, 12M Loans caters primarily to individuals seeking quick cash solutions for unexpected expenses or emergencies. The platform offers a user-friendly experience, allowing customers to apply for loans online with minimal hassle. By focusing on the needs of those with poor credit history, 12M Loans seeks to provide accessible financing options while maintaining transparency throughout the lending process.
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