MERCO Credit Union Payday Loans Review - Atwater, California

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3.9 9 reviews

Organization owner?

1655 Bellevue Rd, Atwater, CA 95301, USA

+1 (209) 723-4285

merco.org

Friday

9:30AM–5PM

Saturday

Closed

Sunday

Closed

Monday

9:30AM–5PM

Tuesday

9:30AM–5PM

Wednesday

9:30AM–5PM

Thursday

9:30AM–5PM

Domain Info

Feedback about MERCO Credit Union?

Here you get acquainted with the reviews of our clients.

Note

Pay Attention

Lending companies are described in the first three points. Below info shows common information about payday loans.

Payday Loans in Atwater, Ohio

The financial product known as a payday loan is issued for a short-term: 2-3 weeks. $100-$1,000 is issued for clients.

Such financial products as payday loan in Atwater, Ohio is issued simply and fast for a short time span: 2-3 weeks. The interest rates are established on an individual basis concerning on the personal data: the more loans you pay back off, the more favorable rates a client will get.

APR

28%

Max Loan

$1,000

Min Term

91 days

Max Term

1 year

How will MERCO Credit Union help issue a payday loan in Atwater, Ohio?

24/7 service. Such online services allow you to receive funds at any time. Funds are issued day and night. The deposit will be sent to a card, so a personal visit to the department is not necessary.
No paperwork. The list of required certificates is minimal. In most cases, an ID is needed. You do not need to provide a certificate of income.
Online application. The application is filled in and reviewed much faster than in banks. Money is credited within 24 hours after receiving approval.
High approval level. When it concerns to small amounts, a positive answer comes up 98%.
Availability. Banks provide loans at more stringent requirements on their clients. Age restrictions and bad credit will become barriers to issuing a loan. Payday lenders are more loyal to borrowers. The presence of minor delays and a bad credit does not guarantee denial.

Fill out an application

What data to fill out in the application? - General Info

To leave an application, every borrower should fill out the following data:

Your loan:

Loan Amount, Loan Purpose, Email Address

About You:

First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN

Your Address:

Zip Code, Street Address

Your Income:

How often do you get paid?, Next Paydate, Type of Account, How do you get paid?

Your Employment:

Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number

Your Credit:

If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?

Finally:

Select your Bank, Select your Bank’s State, ABA/Routing Number, Account Number

Submit an application to get terms and rates for an offer from one of lenders.

Reasons

Why people issue payday loans?

Utility Bills

Healthcare Bills

Traveling

Car Repair

Clothes

Get Started

Bad Credit Approved

Payday loans for bad credit

One of the cause of denial for a loan is a bad credit history. This factor is reviewed by lenders before issuing a loan. But banks almost 100% deny the request when lenders in Atwater, oh will estimate other aspects like payment abilities and approve a cash advance. This is a way to enhance your credit score.

The following common points will be rated before applying for a cash advance:

be at least 18 years old;
be a U.S. citizen;
be employed and have a reliable source of income;
have a checking account;
have a valid email address and phone number.

~ Credit score ~

Rate Your Credit Score

Low

300 – 579 points

No way to issue a loan
No ability to rent a room

Average

670 – 739 points

80% of loan approval
Apply for all loan types

Perfect

740 – 799 points

95% of loan approval
Apply for all loans incl. mortgage

Rate your APR

APR Calculator

Loan Amount $: *

Loan Term (Days): *

APR value %: *

Origination Fee $: *

$1000 Your loan

+ $38 Your fee

= $1,038 Total Cost*

* Total Cost - The sum of money you are to pay off within the term you’ve chosen if you borrow the stated above amount for the average (or required by your lender) APR.

This calculator is meant for calculating the APR. This is a real cost of the payday loan.

Let's see