My loan terms were not bad
My loan terms were not bad, but they did a credit check behind my back. Getting the rebate was also full of confusion
Debbie
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12M Payday Loans
4.850 reviews
Last reviewed: Jul 17, 2025Do you agree with 12M Payday Loans's TrustScore? Voice your opinion today and hear what 54 customers have already said.
12mloans.comMember since Mar 2026
12M Payday Loans is an online company. Based on 50 reviews on TrustPlane, it has an average rating of 4.8 out of 5 stars. Last reviewed July 17, 2025.
Customer Reviews
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50 reviews
The support staff at 12m Loans was…
The support staff at 12m Loans was excellent and their decent interest rates and adaptable payment plans made getting my loan exceptional.
Sabrina Pata
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read all that fine print before you…
read all that fine print before you take the money and understand what youre getting yourself into. Getting quick cash always comes with a price.
Gabe Calder
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rates matched a perfect lake day
rates matched a perfect lake day, the journey as simple as a calm sea. It's sailing time!
Nancey
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requesting a loan was faster than…
requesting a loan was faster than wrapping presents, and their team was as friendly as a cup of eggnog. Thumbs up for a holly jolly loan experience!
RamirezJared
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What seemed like a straightforward…
What seemed like a straightforward process became complicated, and the lack of transparency was frustrating but it was allgood in the end
teriFriedt
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It is not the best loan app in my life
It is not the best loan app in my life, but it works. You can get the necessary loan amount within 24 hours and with no hard credit check.
Zayd Whitaker
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No kidding
No kidding, this loan app is the bomb dot com! Saved me from my broke days and helped me score those concert tickets. Keep rockin' and rollin'!
mark jones
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The staff was friendly and…
The staff was friendly and professional, guiding me through every step. The interest rates were competitive, and I received the funds in no time.
Christina Dudley
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the manager and other employees are…
the manager and other employees are wonderful and professional each time I visit the store. I like that I'm recognized and called by name as I entered the store. They are always awesome never rude and friendly.
Duke Isaac
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OMG You won't regret it!
OMG, you guys! I can't believe how easy it was to get a loan from these peeps! They were like, "Here you go, no hassle!" The interest rate was surprisingly low, and the repayment plan fit my budget perfectly. If you're in a tight spot and need some cash asap, give them a shot. You won't regret it!
Tim Plus
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great to deal with them and their…
great to deal with them and their branch manager in san jose, many loan amounts and reasonable rates was surprised really
williams adams
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applied for a loan to buy a fancy new…
applied for a loan to buy a fancy new car, but ended up with a beat-up old jalopy instead. The only thing luxurious about it was the amount of rust. Thanks, loan gods, for the endless cycle of disappointment, just kidding good guys tthough
Jayden mantoya
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was in a tight spot financially and…
was in a tight spot financially and needed a loan to help pay for some unexpected expenses. I applied for a payday loan from this guys and was able to get the funds I needed within a day tlthough the interest rate was high, it was worth it for the peace of mind of having the money I needed
Pat Ross
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I recently used twelve loans for a loan…
I recently used twelve loans for a loan and was blown away by their outstanding customer service they really went above and beyond to help me out and I appreciate their transparent loan terms
Samantha Billson
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I have used this service for a few…
I have used this service for a few months now, and I have been really happy with them, they have a great selection of loans to choose from, and their customer care is always friendly and helpful. The application is super easy they don't even require much paperwork!
Valerie Russo
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I was a bit nervous to use a service…
I was a bit nervous to use a service like this, but it was actually really helpful. I hate borrowing money from such companies, but this one helped me get my loan quickly and easily.
Jimmie Sallivan
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was recently approved for a loan from…
was recently approved for a loan from this service and I wanted to share my experience with other people, had been turned down by several other lenders when I applied for a personal loan, so I was starting to feel hopeless. But then I found ttwlve loans, and they were able to give me the money I needed in just a few days!I would definitely recommend this company if you're looking for loans for bankrupts or any other type of loan.
Jamie Thompson
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no objections really
no objections really, got some money to repair my new car, what a shame really?
Jessica billson
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their miss from the office is super…
their miss from the office is super kind and has great customer service. I have been in customer service before and I can truly say she is doing her job very well. I will definitely be returning back to this company.
Hollie Mulli
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According to TrustPlane, 12M Payday Loans has a 4.8/5 rating based on 50 verified reviews as of April 2026. Source: trustplane.app/company/12mloans-com