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$1,200 Loans for Bad Credit | Apply Online

Get a $1,200 Loan with No Credit Check

Need $1,200 fast but have bad credit? Look no further! At 15M Finance, you can apply for $1,200 loans with no credit check required. Our innovative financing options make it possible to get quick cash in as little as one business day. Good credit, poor credit, no credit – we accept everyone! Enjoy our 5-minute online application process from the comfort and safety of your home.

Can I Get a $1,200 Personal Loan Online?

Sure! Borrowing money keeps evolving. You don’t need to visit a traditional brick-and-mortar financial institution to get the loan amount you need. Online personal loans are now a popular technology trend in the lending industry. 15M Finance moves with the times and offers a completely online application process. More than that, the funding and repayment processes are also digital!

With many online lenders in our database, we’re here to offer you the best deal possible for your financial situation. No more time wasted visiting a store or waiting in long lines. Just fill out an online application form and get a response via email in a matter of minutes. The money will be transferred directly to your bank account as soon as the next business day.

Borrow a 1,200 Dollar Loan Even With a Bad Credit Score!

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What Are $1,200 Loans?

Loans for $1,200 belong to the category of small personal loans. They are installment loans, meaning that you must repay them in fixed monthly payments within 2 to 24 months. By increasing your loan term, you can affect your monthly payment amount to make it affordable for your budget. However, this will also impact your total loan cost.

See also: How to find out If you have outstanding payday loans?

How Fast Can I Get a $1,200 Personal Loan?

$1,200 loans from 15M Finance are extremely fast. Our online lenders typically transfer money via direct deposit within one business day. Funding times can be even faster if you get approved before noon on a business day. Sometimes you can access the funds within a few hours after approval or by the end of the same day.

What Can I Use $1,200 Loans for?

There are no spending restrictions, so you can use the loan amount as you like. $1,200 loans are typically used for various personal expenses, from grocery bills to gas costs or credit card payments. You can also use the money to cover unexpected expenses, such as car breakdowns or medical bills. But be cautious. Try not to go into debt without a good reason, and always make sure you can repay the money on time.

Can I Get a $1,200 Personal Loan with Bad Credit?

Your bad credit score is never a reason for denial when it comes to $1,200 installment loans. Although options offered by banks and credit unions are subject to hard credit checks, we have a great alternative for people with questionable credit histories.

$1,200 loans from 15M Finance are bad credit friendly. They require no credit history screening through major credit bureaus. Our direct lenders are more interested in your solvency, not your credit score. Even if you haven’t built credit yet, you’re welcome to apply!

No Credit Check Personal Loans for $1,200 – How Is It Possible?

No credit check loans refer to a type of borrowing with no hard credit checks through major credit bureaus. Such loans don’t affect your credit score and take much less to process. Our lending partners make soft checks only to make sure you’re not overburdened with other financial obligations and can repay the money on time. It takes a few minutes and is safe for your credit history.

Pros and Cons of $1,200 Loans

A $1,200 personal loan comes with several benefits and drawbacks.


Flexible repayment schedule. You can divide your loan cost by several months and make your payments affordable for your monthly budget; Allowed with bad credit. You don’t need to demonstrate excellent credit and payment history to get the money you need; Fast funding. Money deposits for $1,200 loans are lightning-fast. You can receive the funds on the same day or by the end of the next working day; Online process. You can apply 24/7 from anywhere. There’s no need to visit a store, even to get or repay the funds; No collateral is needed. You can borrow money without the risk of losing your property in case of any delays; Instant approval. Our lenders don’t make hard pulls. Loan processing typically takes less than 1 hour, with 10-15 minutes on average.


Costly options. An interest rate on a $1,200 loan is usually higher compared to traditional options; Additional fees may be applied. Lenders may charge origination fees that will reduce the loan amount you’ll get on hand. Also, you can face late fees in case of payment delays; Having a sufficient income is mandatory. A lender will ask you to prove that you can repay the loan.

See also: What is the problem with payday loans?

What Do I Need to Qualify for $1,200 Personal Loans?

Typical eligibility criteria require a borrower to:

Be of legal age (18 years old for most states); Confirm solvency; Have a valid ID; Be a legal US citizen; Have a valid checking account.

Additionally, you need to provide your cell phone number and email address to get started. When filling out a loan request form, you should specify some basic personal information, including your Social Security number and employment status.

How to Borrow $1,200 from 15M Finance?

It’s easier than ever! Just click on the “Apply now” button and fill out a simple form. Then, we’ll do the remaining work. One of our trusted lenders will send you a guaranteed approval decision via email in a few minutes. If positive, read and sign a loan agreement to accept a loan offer.

Once signed, a lender will make a direct deposit into your bank account within one business day. We offer a completely online loan process for our convenience and are always at your service to help!


Where Can I Get Loans for $1,200?

If you’re not in an emergency and have good credit, consider applying through a bank or credit union. If you need money fast or have bad or no credit, seek help from online lenders and private lending companies. You can also turn to your family or friends and borrow money from them.

Can I Get a $1,200 Payday Loan?

Payday loans are usually limited to $1,000, with some states setting loan amount caps of $300 and $500. Loans for $1,200 typically have an installment structure. If you need a short-term loan, consider a lower amount or a loan term extension for at least 2 months.

What Minimum Credit Score Is Needed to Get a 1,200 Dollar Loan?

There’s no minimum set if you apply through 15M Finance! While traditional lenders may require you to have a credit score of at least 670, our loan providers work with borrowers with any credit type.

How Much Does a $1,200 Loan Cost?

A small personal loan for $1,200 can have an interest rate between 16% and 100%. Your loan cost will also depend on the length of your repayment terms. A 3-month installment loan for $1,200 with a 16% APR will cost you $32.14 in interest, with a $410.71 monthly payment amount. The 12-month loan term will result in lower monthly payments ($108.88) but a higher total interest cost ($106.52).

Can I Get a 1,200 Dollar Loan with No Credit Check?

You can get a $1,200 loan with no hard credit check performed. When it comes to online lenders, they run soft pulls only to estimate whether you can repay the loan. This way, screening is still required. However, such checks don’t have any impact on your credit score and take a few minutes to complete.

How Will I Repay My $1,200 Loan?

Unlike payday loans, $1,200 loans are repaid in equal monthly installments within 2 to 24 months. The repayment is usually automatic. The lender will withdraw your loan payment sum from your checking account on the due date.