12M Payday Loans operates as a storefront lender providing short-term cash solutions, typically focused on payday advances and related financial services. The organization appears to position itself as a direct-lender network offering quick funding to individuals with income verification, aiming to provide accessible cash options within local communities. Its presence at a Columbus, Ohio address suggests a physical retail footprint designed for in-person applications and immediate funding arrangements.
Historically, payday lenders have emerged to address urgent cash needs outside traditional banking channels, often emphasizing speed, convenience, and minimal qualification hurdles. The primary functions of such entities generally include loan origination, short-term financing, check cashing, and money services, with a focus on near-term liquidity rather than long-term credit building. Operational scope often spans multiple storefronts within a region, leveraging in-person processes to facilitate rapid disbursement and repayment on a short cycle. This overview concentrates on the entity’s nature, history, and core activities without evaluating terms or offering recommendations.
Better than 59% of providers in Columbus
Links and information about 12M Payday Loans:
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www.mapquest.comEDIT1: We have a main office in the city I live in. We operate several satellite location across the globe. Our fees are $30 for every $100 that is borrowed (every two weeks). We operate in about half the US - mostly in states that specifically have laws against or at least limiting payday loans.... We offer loans to customers that reputable companies (is there such a thing in the business?) would not make because of laws and limitations. We will never send an account to an outside collection...
www.reddit.comBBB Directory of Payday Loans near Columbus, OH. Your guide to trusted BBB Ratings, customer reviews and BBB Accredited businesses.
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12M Payday Loans is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
12M Payday Loans is listed as a financial service provider in Columbus, OH and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask 12M Payday Loans to explain the terms in writing before you proceed.
To improve your chances of getting better terms from 12M Payday Loans, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare 12M Payday Loans with other providers in Columbus and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
12M Payday Loans has a rating of 4.8, which is better than 59% of providers in Columbus.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents 12M Payday Loans requests. It is always best to call ahead using the phone number on this page so 12M Payday Loans can confirm exactly which documents you need for your specific situation.
In addition to its primary service, 12M Payday Loans also offers: Loan agency.