1200 Unsecured Loan | Direct Deposit

1200 unsecured loan sent direct to your bank account via direct deposit. Complete the short application and we will attempt to match you with a lender that could approve you for a $1200 unsecured loan or possibly even more. You will know in minutes if you have been approved. Even if your great is not that great we still may be able to get you funded.

What is a 1200 Unsecured Loan?

A $1200 unsecured loan is a short term loan for amounts ranging from $200-$1200 or possibly even more. It is an unsecured loan that does not depend on your credit score but your employment records and checking account details. If you do not have a credit card and need access to cash quickly or have to meet emergency needs, an unsecured direct deposit loan can come to your rescue. 

Borrower Basics On 1200 Dollar Unsecured Loans

1200 dollar unsecured loans in America are governed by the Consumer Financial Protection Bureau (CFPB). You have to be at least 18 years old to apply for this loan. You must reside in the state you apply for the loan in, as the laws differ across states for this loan category. The application process is simple, and the loan is processed swiftly. You can have the lender direct deposit it in your bank account. 


You generally authorize the lender to debit money from your checking account when payments are due. The fee is a fixed percentage of the loan value that can vary from one lender to another. Over 12 million Americans use short term unsecured lending to cover their financial needs. Depending on where you reside, there could be a cap on the number of unsecured loans you can take in a year.  

Benefits Of Unsecured Loans Online

Unsecured loans are a useful tool for financial emergencies. If you have a one-time payment, they can come in handy. Make sure that you read the loan offer, understand the annual percentage rates and repayment clauses before you apply for the loan. You can also compare the various loans to arrive at the one that is best suited for your needs. 


These loans works best as a short-term contingency plan rather than a long-term solution. Unsecured loans offer you an alternative to borrowing from close friends or relatives which could cause issues on the personal front. If you find yourself between a rock and hard place maybe a 1200 unsecured loan is just what you need to cover your short term financial concerns.

Points to remember 

Some lenders may not request employment details but rather a proof of regular income to show that you have the capacity to repay the loan. Lenders could also offer you the option to cancel the loan within a set time frame, usually around 24 hours.   

As with all financial solutions, weigh the pros and cons before you settle on a loan. 1200Loan.com is not a lender. Must be 18 to apply. All loan terms are between you and your lender. No guarantees are made with regard to loan amounts or approval.