Your Small Business Cash Advance Lender

Do you need money for inventory, cash flow, expansion, overdue payments, or advertising?

Quick Cash up to $5,000

Complete our easy application form today and get the installment loan into your checking account tomorrow!

Multiple Repayment Options

It's much easier to pay back your loan over time in small scheduled payments. Clear terms and conditions means no surprises for you!

Competitive Fees

We strive to offer our customers the best installment loan rates. No application fee, no obligation! Save your time and money!

Rates and Fees

At 1 Year Bad Credit Loans, we ensure that all our affiliated lenders work according to the state regulations and thus, charge similar rates and fees. Our loan providers abide by federal and state laws. We make sure that you are well informed and have resources and links to help you have a better understanding of the industry.

We strive to offer the best experience when it comes to taking short-term loans. You should know about the average rates and fees associated with the loan, possible scams, and the best ways to use these loans responsibly. If required, you should know how you could approach the Federal Trade Commission and the Consumer Financial Protection Bureau. These ensure that you are treated fairly.

The APR is the annual percentage rate that is associated with your loan. It also shows the amount of interest that you would pay on your total loan amount. Usually the APR for short-term loans ranges from 260.71% to 1825.00%. This is quite higher than other types of consumer credits; however, people in dire need of money find these loans lucrative, as it has to be repaid in a short period. The rates and fees vary from state to state. To get the most accurate information, please contact us.