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Get 6, 9 or 12 Month Loans Online with Dime Alley

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Get 6 month, 9 month or 12 month loans online with Dime Alley. Borrow $500, $1,000 or $1,500 to cover emergency bills or repairs. Apply now and get instant approval on-screen – bad credit and no credit check loan options available.

6 9 12 month loans

How to Apply For a 6, 9 or 12 Month Loan in 3-Steps:

Step 1: Apply Online Today
Apply now using our quick online form.
Step 2: Wait to Hear Back
Get a decision on the same day or within 24 hours.
Step 3: Receive your money
Get funds into your account in 1 hour!

What are 3, 6 and 9 Month Loans?

A 3, 6 or 9 month loan is a quick and convenient solution to address unexpected financial needs. Where they differ from other payday loan types is that you repay over 6 months, 9 months or a year, depending on the option you select when you apply online. A personal loan could help to tide you over until your next payday, or could be used to cover an unexpected bill, such as a medical bill, veterinary bill or for car repairs. 

At Dime Alley, we specialize in connecting you with reputable lenders who offer 90 day loans, ensuring you can swiftly access the funds you require. Approximately 22.7 million Americans have taken out an unsecured personal loan this year and with Dime Alley, you too could take out a 3 month loan. 

How Quickly Can I Get a 6 Month Loan?

If you are looking for fast cash, it is possible to get an instant decision and receive funds within 1 hour, 24 hours or the next business day. Our entire application is online from start to finish and takes less than 5 minutes to complete using your desktop, cell phone or table. 

To speed up the process, make sure that you always give accurate information about yourself and always try to apply during a weekday and 9AM and 5PM. With automated checks, we aim to give you a decision and get your loan approved as quickly as possible.

Why Would I Need a 9 Month Loan?

Life can present unexpected financial challenges, and a 9 month or 270 day loan can offer a practical solution. Common reasons people turn to short-term loans include:

  • Vehicle Repairs: When your vehicle breaks down and you depend on it for work or daily activities, a loan for 9 months can help you cover any repair expenses.
  • Medical Expenses: Unforeseen medical bills can strain your finances. A 9 month loan can provide the necessary funds for medical emergencies.
  • Home Repairs: Urgent home repairs, such as plumbing or electrical issues, can occur unexpectedly, which can be promptly addressed by 9-month loans.
  • Utility Bills: To prevent service disruptions, 9 months loans can assist in covering overdue utility bills.
  • Other Unplanned Expenses: Whether it’s a sudden trip, a family emergency, or any unexpected financial need, a 9 month payday loan or installment loan offers quick relief.

What Types of 12 Month Loans are available?

Type Of Loan Features Pros Cons
Payday Loans Short-term, high-interest loans intended to cover expenses until your next payday. Quick access to funds, minimal credit requirements, no collateral needed. High interest rates, short repayment terms, can lead to a cycle of debt if not managed carefully.
Installment Loans Allow you to borrow a larger sum, which you repay in fixed monthly installments over 12 months or a year. More extended repayment terms, predictable monthly payments, and potentially lower interest rates compared to payday loans. Longer commitment, may require a credit check.
Credit Card Cash Advance Withdrawing cash from your credit card, often with a limit determined by your credit limit. Convenient, easy access to cash, typically no additional application required. High cash advance fees, high interest rates, immediate interest accrual, and can impact your credit utilization ratio.

What to Consider Before You Apply Online for 6, 9 or 12 Month Loans

Before taking out a 6 month or 180 day personal loan, it’s essential to consider several factors to make an informed decision:

  • Your Financial Situation: Assess your current financial situation, including income, expenses, and existing debts. Determine if you really need a payday loan to cover an urgent expense.
  • Compare Offers: Explore multiple lenders and loan options to find the best rates. Make sure you fully understand any fees and the repayment schedule.
  • How Much to Borrow: Only borrow what you need to address your immediate financial need. Do not borrow more than necessary, as it can lead to higher repayment costs.
  • Repayment Plan: Develop a clear plan for how you will repay the loan. Work out how much you will owe at the end of each month and budget accordingly.

Do I Have to Repay my Loan over 12 Months?

If you select the 12 month short term loan option, then you typically will need to pay-off a chunk of your loan at the end of each month. However, the loans offered by Dime Alley are designed to be flexible and you could select the option to repay your personal loan over 12 months or up to 60 months if that is more suitable.

With flexible monthly repayments, you are able to spread the installments over time so you can stay on top of your financial outgoings or pay off any pressing emergencies.

You also have the option to repay early if you want to – with the choice to clear your account in full and typically save money on the overall interest charged. You will just need to contact your lender directly to do so.

Am I Eligible For a 6 Month Personal Loan With Dime Alley?

As long as you meet the following criteria, you are eligible to apply for a 6 month loan with Dime Alley:

  • Have a live checking account to receive funds
  • Be a US citizen
  • Over 18 years of age
  • Able to make repayments
  • A steady income of at least $800 per month

How Much Can I Borrow for 180 Days?

With Dime Alley, you can get loans ranging from $100, $800 or up to $35,000 – with the amount you can borrow based on factors like your monthly income, credit status and affordability.

Other things come into play too when lenders consider your loan approval, including your residence, age and whether you have any other similar loans open.

When Might a Payday Loan Not Be the Best Solution?

While same day short-term loans can be a valuable resource, they may not be the ideal choice in certain situations:

  1. Long-Term Financial Challenges: If you’re grappling with persistent financial issues or long-term debt, seeking financial counseling or exploring debt management solutions may be more suitable.
  2. Non-Essential Expenditures: Short-term loans should primarily address essential and urgent expenses. For non-essential purchases or luxuries, consider alternative financing options.
  3. Borrowing to Repay Debt: Using a short-term loan to settle existing debt can lead to a cycle of debt. In such cases, debt consolidation or negotiation with creditors may be a better strategy.
  4. Lack of Clear Repayment Plan: Ensure you have a well-defined plan for repaying the loan to avoid financial stress and missed payments.
  5. Inadequate Budgeting: If you haven’t assessed your budget and explored other financial resources, such as savings or alternative borrowing options, a short-term loan may not be the best choice.

At Dime Alley, we are dedicated to assisting you on your financial journey. Whether you require a same day short-term loan or are considering alternative solutions such as installment loans, we’re here to provide the financial support you need.

What are Some Alternatives to a 6, 9 or 12 month Payday Loan?

Borrow on a Credit Card

If you have a credit card, you can use it for necessary purchases instead of taking a short-term loan. This allows you to benefit from the card’s grace period and potentially lower interest rates on purchases.

Credit Counseling

Seek assistance from a credit counseling agency. They can help you create a budget, negotiate with creditors, and explore debt management strategies to improve your financial situation.

Personal Loan

You can apply for a personal loan from a bank, credit union, or online lender. Personal loans typically have lower interest rates and more favorable terms compared to short-term loans.

Borrowing from Family or Friends

Consider reaching out to family members or friends for a loan, especially for short-term financial needs. Be sure to establish clear repayment terms to avoid straining relationships.

Emergency Fund

Building and maintaining an emergency fund is one of the best ways to prepare for unexpected expenses without resorting to loans. Having a dedicated savings account can provide financial security during emergencies.

What People Say About Us

More Frequently Asked Questions

How Much Can I Borrow?

With Dime Alley, you can borrow any amount between $100 and $35,000, but this will depend on your personal circumstance. As a loans broker, Dime Alley will connect your application to one of our trusted lenders who can offer you the best rates available to you.

Once this has happened, you will agree terms with your lender, and create a repayment plan.

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Is Dime Alley a Broker?

Yes! Dime Alley is a broker, meaning that if you’re approved, we don’t provide the funds for your loan directly. Instead, we connect you to a lender best suited to your situation from our trusted panel.

Do not worry though, your information is completely secure and will not be sent or shared with any other companies or third parties and we certainly will not charge you anything for using our service.

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How Do 6 Month Loans Work?

6 Month Loans provide quick access to funds, which you repay at the end of each of the 6 months.

A lump sum will be deposited in your live checking account once you loan is approved. You will then make loan repayments and any additional interest.

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How Fast Can I Get a 12 Month Loan?

In some cases, you can receive same day funding, although it may take up to 24 hours. Applying during business hours between 9AM and 5PM on workdays increases the likelihood of swift approval and funding.

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What Happens If I Cannot Repay a 9 Month Loan?

If you anticipate repayment difficulties, contact your lender immediately. Failure to repay on time can result in late fees and potential damage to your credit report.

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What Fees Does Dime Alley Charge?

We never charge fees for using our service!

Instead, we take a fee or commission from the lender if your application is approved and successful. The lenders will charge a daily or monthly interest if your loan is active and this will be presented to you in writing before you proceed.

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How Do I Repay a 180 Day Loan?

When you enter a contract with your lender, you will also agree upon a repayment plan. If you have selected the 90 day option, the funds will be withdrawn at the end of the first 30 days, second 30 days and third 30 days.

Repayments will be made in monthly instalments. Typically, you and your lender will agree on a date – normally your pay day – and an instalment of your repayment will be withdrawn from your checking account on that date, each month, until your repayment has been made in full.

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How Much Can I Borrow For 6 Months?

Lenders typically offer 6 month personal loans in amounts ranging from $100 to $1,000, although some may provide larger amounts.

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Are There Any Restrictions on Applying for a 365 Day Loan?

To apply, you must meet eligibility criteria, including being over 18, having a stable income, and possessing a valid checking account for fund deposits.

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Editorial Note

Before opting for a 6, 9 or 12 month payday loan, carefully explore all available options, considering your financial well-being and long-term goals. Personal loans can be convenient, but they often come with high fees. We encourage you to make an informed choice when facing a cash loan need. 

If you ever find yourself in need of expert guidance, we highly recommend seeking assistance from experienced financial advisors or credit counselors. They can offer personalized advice on lenders, credit management and online borrowing.


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