12 Month Installment Loans

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If you need a thousand dollars or more, you know you can’t pay that back in one lump sum. A payday loan will not work for you. But maybe a 12 month installment loan will work.

Let’s Talk About 12 Month Installment Loans

There are a number of things to consider when looking for 12 month installment loans. The first is whether to get an unsecured loan or a secured loan.

An unsecured loan is based on income and a promise to pay. You don’t need any assets to qualify.

In order to get a secured loan, you need assets. But they will typically have lower fees and charge less interest. If you can provide security, you probably get a better deal.

However, installment loans from direct lenders tend to have more flexible terms than loans from traditional financial institutions, like banks. So sometimes you can find a real deal if you go that route.

Good Reasons To Go For 12 Month Installment Loans

You always want a loan to be a path to a better future. It’s all too easy to overextend yourself and get into trouble.

So make sure you are borrowing for a good reason. A personal loan for debt consolidation can be an excellent reason to borrow. It may help you start solving your financial problems so you can have a brighter tomorrow.

Yes, this means you can get installment loans for bad credit. You don’t have to have perfect credit to borrow what you need to pursue your goals.

Other potentially good reasons to borrow can include:

  • Medical expenses.
  • Car repairs.
  • Education or traiing.
  • Starting or growing a small business.
  • Moving for a better job.

Here are some iffy reasons to borrow that you should think twice about and try to avoid:

  • Vacations.
  • A big wedding.
  • Other consumer items.

Let’s Cover Some Basics

You need to be a legal adult and a citizen or legal resident of the US. You will need to provide a copy of your photo identification.

You will need to be give them contact information and other personal information. You will need to show your can cover the payments for a 12 month installment loan. This is often done with a recent pay stub or bank statement.

It may not be anymore paperwork than a payday loan. This is not typically going to be a huge obligation.

Let’s Find You A 12 Month Installment Loan

TheGuaranteedLoans can help you find a loan that is a good match for your needs. We are a matching service, so it is our business to put lenders in touch with potential customers.

You fill out a single form. We compare it to a variety of products. When we find a match, we contact the lender and let them know how to contact you.