12 Month Online Payday Loans
Actual payday lending, but with easy repayments
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Applying Does NOT Affect Your Credit Score
Applying Does NOT Affect Your Credit Score
Payday loans can be beneficial when you're in need. However, what many face difficulty in managing is to repay them in a lump sum all at once. We have a solution for you that's friendly and logical. We can offer you payday loans over 12 months, with repayments just like an installment loan. With our 12 Month Payday Loans, you can enjoy the ease of application like a payday loan combined with the ease of repayment like a personal loan! You can then conveniently pay it back, one part at a time.
Have you already taken a payday loan but need an extension to repay it over multiple installments? No problem. Simply get in touch with us through the contact details you received upon loan approval or use our Contact Us page.
Our customer service team shall be able to assist you with your request in most circumstances. Eligibility terms and agreement terms may apply. Those may influence the offers and options available to you.
With CapitalPaydayLoan, a 12 Month Payday Loan approval is almost as easy as that for a payday loan. We shall, however require a recent 6-months' bank statement and a proof of stable income in addition to our usual payday loan requirements.
Should there be a need for any additional verification or documents, our customer representatives shall advise you regarding the additional requirements.
Most pawn lenders are unlikely to be offering similar products where a payday loan can be repaid through installments spread across 12 months. This is because their added costs of rentals, staff, heating, etc. do not allow them to offer very customer-oriented deals.
Apart from that, online direct lender loans offer many advantages over pawn-store based lenders:
12 month payday loans online are offered by select direct lenders. Due to a healthy margin and demand, a lot of third-party brokers, matching services, and even fictitious and unregistered direct lenders market payday loans.
To be sure you're dealing with a legit and safe payday lender, you can ensure that:
Actual payday lenders would typically maintain transparency in the loan agreements and would not charge you for filling up or submitting your loan application.
Is your credit history making borrowing difficult for you? Getting a 12 Month Payday Loan shall still be an option as our loans are based upon income. If you meet the rest of our eligibility criteria, simply fill in our online loan application form for 12 month loans for bad credit, and we shall assist you with the options that can be made available to you, considering various factors that help us ensure that the loan is fairly safe for you to borrow.
When you apply for a 12 month payday loan with us, we do not use the major services of credit verification. We welcome all credit scores and any sort of credit history. Even if you have been rejected a loan recently, we shall consider your loan application, and the transaction shall remain unaffected by previous rejections.
Where required, a soft credit check may be performed. However, such a credit check is neither intended to reject a loan nor does it affect your current credit scores.
CapitalPaydayLoan offers repayment in installments for up to 12 months!
We at CapitalPaydayLoan aim to be and remain your trusted direct lender, especially when it comes to our 12 Month Payday Loan. Our customers choose us for these top reasons:
Ready for the next step? Applying for a 12 Month Payday Loan is just as easy as a regular payday loan. You must simply fill in this loan application and submit it. After a brief verification, we shall get in touch to assist you with a loan designed to be convenient for you to repay over multiple installments.
This service and website is an invitation to send us a Payday loan application, not an offer to make a loan. We are registered with Utah's Department of Financial Institution. If we approve your loan application, the funds will be disbursed from our account in Utah. Utah law governing consumer loan agreements may differ from the laws of the state where you reside. This service may or may not be available in your particular state.
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Consumer Notice: Available loan product types and loan amount limited vary with the market. Loans are subject to state regulations, eligibility terms, certifications, underwriting, and approval. Rates, fees, terms, and conditions apply. Loan decisions and disbursal times are subject to system limitations. In some cases, verification may require additional processes, which can delay the loan decision.
Short-term loans are intended for short-term financial needs and not to serve as long-term financial solutions. Customers with credit-related issues and hardships are advised to seek credit counseling.
Our goal is to promote safe and responsible lending. Short-term loans should not be used as a long-term financial solution but rather for short-term financial requirements. Credit counselling is recommended for customers who have credit issues.
CapitalPaydayLoan is not a lender and does not make any lending or credit decisions. Loans up to $5,000 are available from our connected direct lenders. However, not all lenders can provide you with that amount. Not all states are eligible for our service. Receiving a loan offer is not guaranteed if you submit a loan request through CapitalPaydayLoan.
The credited approval on your application may be based in part or wholly upon information obtained from a national database including, but not confined to TransUnion or eBureau.
Terms such as “instant approval”, “guaranteed approval”, “bad credit ok”, “one hour deposit”, “instant deposit”, “no credit check”, etc. are only indicative. Certain conditions, state laws, and safety considerations may require such terms to be deviated from. All loan products are subject to various terms and conditions and various parts of the lending process may be subject to system limitations and third-party verifications which can cause time delays and loan rejections. Some restrictions may apply.
Equal Credit Opportunity Act: The Federal Equal Credit Opportunity Act prohibits creditors from discriminating against credit applicants based on race, color, religion, national origin, sex, marital status, age (provided the applicant can enter into a binding contract); because all or part of the applicant’s income derives from any public assistance program; or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. The Federal agency that administers compliance with this law concerning this creditor is the Consumer Financial Protection Bureau, 1700 G Street NW, Washington DC 20006, and the Federal Trade Commission, Equal Credit Opportunity, Washington DC 20580.