Smartpoint Lending Payday Loans Review - Healdsburg, California

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Loan agency in Healdsburg, California

Organization owner?

Healdsburg, CA 95448, USA

+1 (707) 433-3030

Testimonials

What people think about Smartpoint Lending?

Below you find some of the testimonials of our customers.

Note

Important

Above there is information about a exact company. Below you can read common features of payday loans.

Payday Loans in Healdsburg, California

A payday loan is a small, short-term loan that's meant to be repaid with the borrower's next paycheck. Amounts usually range from $100 to $1,000.

It is simple and fast to get approved for payday loans in Healdsburg, California. The interest rate will be set specifically for each applicant and will depend on the personal details the borrower filled in.

APR

460%* (369% on the average in 2019)

Max Loan

$300

Min Term

Not Specified

Max Term

31 days

Advantages of Smartpoint Lending that offers payday loans in Healdsburg, California

Day and night service. This means you can submit an application from the comfort of your home. You won’t have to go to the lender’s location to finalize your application or receive cash. The money will be deposited to your bank account the same day or the next day.
Collateral is not needed. You only need to meet the basic borrower requirements. You only need to provide some proof of income as well as valid identification. Bank statements and letter from employer are not needed.
Application is purely online. It only takes a few minutes to complete the application. The funds are deposited to your account as quickly as possible.
94% of applicants accepted. Almost all people are eligible for payday loans.
Bad credit is ok. If you apply for a bank loan with poor credit, you are unlikely to get accepted. Banks only work with good credit. Payday companies do not pay attention to your credit and previous mistakes. You are likely to get approved in any case.

Fill out an application

Information needed to complete a loan application

You will be required to provide the following information:

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

Then submit your online application to get an offer from one of financial institutions.

Common reasons

Why people apply for payday loans?

Car expenses

Treatment

Vacation

Clothes

Home improvement

Debt Consolidation

Get Started

Bad Credit Approved

Payday loans for bad credit

A poor credit score doesn't have to stop you from applying for payday loans. They are one of the few short-term loan products offered to individuals with a bad credit history. Payday loan approvals depend very much on other aspects. Lenders will check your earnings and subtract all your expenses. Usually, your score won’t be ruined by a payday loan, as long as you repay it in full and without delays.

To get approved for a cash advance, you have to meet the following requirements:

be 18 years old or older;
be a U.S. citizen or permanent resident;
be employed and have a steady income;
have a valid checking account in your name;
have an email address and phone number.

~ Credit score ~

Rate Your Credit Score

Low

300 – 579 points

No ability to get 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 including 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.

If you are going to take out a loan, you can use an online calculator. It will show the exact APR of your payday loan.

Let's see