Bad Credit Scores OK
Instant Approval
No Fees For Applying
High Approval Rates
Borrow $1200-$1300 Loans
Get Money Quickly with Pheabs
We offer $1200 and $1300 loans that can meet your borrowing needs.
Better yet, our lenders consider a variety of different credit scores.
Representative Example:
Based on a loan of: Borrow $1,200 over 2 years , at 12% APR, total interest paid $155.72, total to repay is $1,355.72.
What Can I Borrow $1200-$1300 For?
A $1200 or $1300 loan can be used for a variety of different reasons. Options include emergency medical bills, dental fees, urgent household bills, funeral costs, education fees, car repairs or event rent.
Most people borrow $1200-$1300 dollars as a short term loan. It can help borrowers who need urgent cash to stay financially afloat in between paychecks.
It is important to note that this type of borrowing is not a long term financial solution. It is a temporary fix, offering a quick injection of cash to those low in funds.
Payday loans are not intended to be used on frivolous spending such as shopping, gambling or partying. Rather they should only be used for important expenses, as they will need to be paid back in monthly installments as per the dates agreed upon in the contract.
Where Can I Borrow A $1200 Loan?
Pheabs operates all across the United States and Canada. All you need to do is apply online via your phone, laptop, tablet or desktop and the money will be sent to you within 24 hours if approved. Locations you can borrow $1200 from include:
How To Apply With Pheabs
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Step 1
Enter your details using our online form in less than 5 minutes — include your name, contact details and the amount of you wish to borrow.
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Step 2
Receive an instant response on the screen. If you decide to proceed, you will receive a formal loan offer by email and can electronically sign the contract.
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Step 3
Subject to further checks, your loan can be fully approved and funded within minutes, hours or by the next working day.
Can I Borrow $1200 With Bad Credit?
Yes, you can borrow $1200 with bad credit. At Pheabs, we work with lenders who are willing to consider all different kinds of credit scores, including those with poor credit. We do not let customers financial history get in the way of their borrowing future.
It can be challenging for those with a bad credit history to find loan products that are right for them since credit ratings are often looked at as a factor for proving someone’s affordability. That’s why we have partnered with reputable lenders who understand that just because you have got a credit history that’s less than excellent, doesn’t mean you aren’t able to afford repayments on a loan.
For more information, get in touch or visit our page on bad credit loans.
What Is the Eligibility Criteria to Borrow $1200 Or $1300?
The eligibility criteria to borrow a $1200 or $1300 loan includes that applicants are:
- US residents
- At least 18 years old
- Earn a stable income
- Have a regular salary of at least $500 each month
- Have a live checking account for the funds to be deposited into
To apply for a loan you will need to provide the following details:
- Your Driver’s License number or State ID
- The amount you wish to borrow ($1200 etc.)
- How long you’d like to borrow a loan for
- Your contact details (email address, phone number etc.)
- Employment status
How To Apply For a $1200 Or $1300 Loan With Pheabs
At Pheabs, we are passionate about helping applicants to find affordable $1200-1300 loans that meet their borrowing needs. We take the time to understand your circumstances and borrowing requirements, and connect you with the lender who is most likely to approve your loan request.
All you have to do is fill in our quick and simple online loan form. Here, you’ll have to provide a few details about yourself, which can be completed in less than 5 minutes, with prospective borrowers receiving an instant decision once complete. If you decide to go ahead and your loan application is approved, the funds could be transferred into your checking account in as little as 24 hours or by the next business day.
So what are you waiting for? Get started with your $1200 or $1300 loan today with Pheabs!
FAQs
Does Pheabs Charge Any Fees?
No, we do not charge any fees to applicants. If your loan request turns out being successful with the lender, we may simply earn a commission from this, but you can be rest assured that using our service is completely free of charge and always will be!
How Long Does It Take To Complete The Loan Request Form?
Our online loan application form takes less than 5 minutes to complete. After this, you will receive an instant decision on screen regarding your request. We pride ourselves in offering a quick and speedy service!
Will Applying For A $1200 Loan Impact My Credit Score?
No, we undertake soft searches which means that submitting a loan request through Pheabs will not impact your credit score. However, if your loan is approved and you fail to keep up with repayments, then this could have a negative impact on your credit score and result in late fees.
It is important to only take out a loan if you are certain that you can afford it. It is also possible that taking out a loan and repaying it back on time could increase your credit score, making it easier to borrow money in the future.
Can I Get A $1300 Loan With No Credit Checks?
Yes, it is possible to get a $1300 loan with no credit checks. Whilst credit checks are usually carried out to help determine an applicant’s affordability levels, our dedicated lenders can focus on other eligibility requirements such as if you have a stable income and are over 18 years old.
How Quickly Will I Receive The Funds?
If approved, the money could be transferred into your live checking account within minutes, hours or by the next business day. Better yet, the total amount will be sent in one lump sum. What’s not to love!