What exactly are these loans?

There are three characteristics that define these loans and what 12 Loans can provide to you.

1. Fast borrowing- The fastest, simplest and most convenient way to apply is often through our online application process. This is done through a secured, encrypted browser so that you do not have to worry about your personal and financial information and data going to anyone other than to us. In some cases, we will get your application approved right away, and have the money deposited into your bank account before you can actually get to the bank. In other cases, we may require verification of your income and expenses, such as from your bank statements or rental agreements. These can be scanned and uploaded to us so that we can continue to provide fast, efficient and effective service to you. We do understand that many people require loans for emergencies, and during an emergency, every minute counts.
2. Flexible loans and repayments- While most people choose to get loans in round or easily memorable numbers (such as ВЈ1,000, ВЈ2,000 or ВЈ2,500), there is no requirement for this. If you want a loan for ВЈ1,839.72 then that can be arranged. We understand also that while many people find making payments at the very beginning, middle or end of the month are easiest, this may not suit everyone. Other people may want to avail of lower payments by making payments every two weeks. We will work with you as much as possible to make your convenience a reality.
3. No fees for the loan, in very many cases- We know that you already have enough things to worry about without the additional problem of fees and interest. You do not have to worry about paying money to get money with loans at 12 Loans. Even if there is a fee, it can still be to your best interest as it may correspond to a lower interest rate on the loan.

Get in touch with our representatives on the Contact us page, and let us find the best path for you.