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Need a $12,000 Loan

Need a $12,000 Loan
Betsalel Cohen
UpdatedMar 30, 2020
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    2 min read
Key Takeaways:
  • Personal Loans for $12,000 are available.
  • If you need a long-term secured loan and have equity, then look for a home equity mortgage.
  • If you don't qualify for a $12,000 loan look for other debt relief solutions.

Can You Help me Find a $12,000 Loan?

I need a short-term loan of $12,000 to settle a debt. I can secure that loan with my home or autos. Can you help me find a loan?

Thank you for your question about needing a $12,000 loan to settle your debt. Yes, it is possible to find a short-term personal loan for $12,000., which you can use for a variety of purposes, including debt consolidation. In general, personal loans are offered between 3-5 years, but you can pay it off early. If you can’t afford those monthly payments, then you need to look for a different debt solution.

Get A Personal Loan Quote Now

Do you need a $12,000 loan? makes it easy to shop for a personal loan. Start by filling in your credit score, zip code, loan purpose, and the amount of loan you need. Check out different offers and click on the appropriate ones.

A $12,000 Home Loan

You suggested the possibility of refinancing home to get a $12,000 debt consolidation loan. A cash-out or home equity mortgage can be an attractive option if you are looking for a long-term loan at a relatively low-interest rate and low monthly payments.

In general, your total loan to value ratio (LTV) cannot exceed 80%. To compute your LTV, add $12,000 to your current mortgage and divide the result by your current home value. For example, if you owe $150,000 and your home is worth $225,000, then your current LTV is 67%. With the new loan of $12,000, your updated LTV will be 72%,

The two main drawbacks to this option are the upfront fees and the long-time to close a loan.

A $12,000 Auto Loan

You mentioned securing a loan with your vehicles. An auto refinance loan, otherwise known as a title loan, is allowed under the law in many states. However, title loans are expensive. You are also going to need equity to qualify for an auto refinance loan. Furthermore, title loan lenders can be very aggressive in collecting these loans. Missing a payment means repossession of your vehicle.

Other Alternatives to a $12,000 Loan

If you are finding it hard to qualify for a $12,000 loan and you are suffering from financial problems, then there are other debt relief solutions. Some possible solutions include a credit counseling and debt management plan, debt settlement, and even bankruptcy. I suggest that you try's innovative tool, the Debt Payoff Calculator.

I hope this information helps you find. learn & save.




ddonna zunna, Jun, 2024
My Amazing story of how I got a loan. , A friend of mine referred me to Cynthia McClure Alexender a financial adviser sometime ago and we got talking about investment and money so she advised me to apply for a loan with a loan company she trusted and I was granted a loan of $110k and in the first 2 months, I started to invest and started paying off the loan with my investment returns. Crazy right!, I decided to reinvest my profit and it got more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family. If you need a trusted loan online or how to invest kindly visit my Financial adviser by name searching on the web (Cynthia McClure Alexander) for more details.
PPaula S Zachary, Sep, 2022
I am applying for a car loan. I also have one bill to pay. Total at 15,000. Approval as soon as possible would be great.
KKirk Ritter, Sep, 2020

I need a loan for $12,000, quickly.

DDaniel Cohen, Sep, 2020

Kirk, go to this page and use the Personal Loan Rate Table. Getting a quote doesn't affect your credit score.

AAnonymous, Apr, 2020

I just posted a comment about a rip-off artist sending me a scam offer. I found the bs that sophiamason020 at gmail presents as an offer to lure people. I will not present the contact info for the place she said will give you the ATM card where you can get $5,000 a day, magically, but read what she says yourself.

"I want to testify about Dark Web blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimony about how Dark Web hackers send them the atm blank card and use it to collect money in any atm machine and become rich. ( email address removed) I email them also and they sent me the blank atm card. I have use it to get 90,000 dollars. withdraw the maximum of 5,000 USD daily. Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of atm programmed card which runs in automatic mode."

AAnonymous, Apr, 2020

People seeking a loan need to be very careful that they don't get scammed with offers that are completely bogus. Heightened awareness is needed now, with so many people losing income and desperate for help. I received a scam offer from a sophiamason020 Gmail address trying to lure me to share my private information to get an ATM card from the dark web that will let me make withdrawals that don't come from my account. Puh-leaze!!!

mmiller, Nov, 2019

I'm here to testify about Mr John Blank ATM Cards which can withdraw money from any ATM machine around the world. Probably not a surprise to anyone, but it is a total scam.

AAnonymous, Sep, 2019

Watch out for Lakeview Finaancial Ltd.  Their come-on included the bogus claim that they "offer a wide range of financial loan services 2% from 1000 USD to 100,000,000 USD which includes: Business Planning, Commercial and Development Finance, Properties and Mortgages, Debt Consolidation cash, Business cash, Private cash,car cash, hotel cash, student cash..."  It was the $100 million figure that really suprised me. Seems so foolish on the face of it that it is a red flag. Who knows? Scam artists are clever. If that language was a barrier to ripping people off, I guess they would change it.