12M Loan
Reach 12M Loan by email at [email protected] or by phone at 888-925-1651, Monday through Friday, 8am–6pm Pacific. Email gets a reply within one business day; the phone gets a person, not a tree.
Contact Details
| Channel | Details | Best for |
|---|---|---|
| [email protected] | Anything — replies within one business day | |
| Phone | 888-925-1651 | Process questions before or during a request |
| 12M Loan, 9352 Northgate Ave, Suite 100, Spokane, WA 99201 | Formal correspondence |
Before You Write: The Fast Answers
Most messages we receive are answered faster by an existing page. Request and process questions: how it works and the FAQ. Qualification: the eligibility page. Pricing: the rates guide. Reviews and corrections to guides: still us — write in, and guide corrections are made without ceremony.
Questions About a Funded Loan
One boundary matters: once a loan funds, your agreement is with that lender, and payment changes, payoff quotes, and servicing questions go to the servicing contacts printed on your agreement — we cannot see or change a lender's records. What we can do: help you identify the lender from your request history, and point unresolved lender disputes toward the Consumer Financial Protection Bureau's complaint process, which lenders answer.
Response Standards
Email within one business day, phone during business hours without a menu maze, and written complaints acknowledged in writing. If a reply misses those marks, say so in a follow-up with "service standard" in the subject — those route to management review, and the standards exist because they are checked.