Valley First Credit Union Payday Loans Review - Modesto, California

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3.1 47 reviews

1419 J St, Modesto, CA 95354, USA
+1 (209) 549-8500
www.valleyfirstcu.org
Sunday
Closed
Monday
9AM–5:30PM
Tuesday
9AM–5:30PM
Wednesday
9AM–5:30PM
Thursday
9AM–5:30PM
Friday
9AM–6PM
Saturday
9AM–1PM
Testimonials

Feedback about Valley First Credit Union?

Here you grapple with the feedback of our clients.
Note

Pay Attention

Further there will be presented the details about not a definite lender. The information below will define general information about payday loans and its specific elements.

Payday Loans in Modesto, Illinois

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

Such financial products as payday loan in Modesto, Illinois is taken out easily and quickly for a short time span: 2-3 weeks. The interest rates are established on an individual basis depending on the personal data: the more cash advance you pay back off, the more reasonable rates a client will get.

APR

404%*

Max Loan

$1,000 (or 25% of the gross monthly income)

Min Term

13 days

Max Term

120 days

How will Valley First Credit Union help take out a payday loan in Modesto, Illinois?

  • Round the clock service. Every borrower may contact the service at any time of the day and night. The borrowed money will be transfered to credit card. You won't be asked to attend any store.
  • No certificates necessary. The list of certificates to get an approval is minimum. You need only an ID. A income certificate is not required.
  • Online form. You have to fill out an online application only. It will be processed within minutes. The funds are transferred in 24 business hours.
  • Fast and high approval percentage. The positive decision counts almost 98%.
  • Accessibility. Not all clients are able to issue a loan at banks. Age and bad credit may prevent from issuing a loan. Minor delays and low score won't be an obstacle to take out a loan from online lenders.
Fill out an application

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

To submit an application, every borrower should enter the following data:
Loan Amount, Loan Purpose, Email Address
First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN
Zip Code, Street Address
How often do you get paid?, Next Paydate, Type of Account, How do you get paid?
Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number
If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?
Select your Bank, Select your Bank’s State, ABA/Routing Number, Account Number

Then a borrower should submit an application to get an offer from one of lending companies.

Reasons

Why people issue payday loans?

Utility Bills

2%
Healthcare Bills

2%
Traveling

2%
Car Repair

1%
Clothes

1%
Bad Credit Approved

Payday loans for bad credit

Bad credit history if one of reasons to refuse the loan. Lenders do not consider this factor the only one to issue a loan in Modesto, Illinois. They assess many other factors before issuing a loan. One of them is financial capabilities. This is a way to improve your credit rating.

The following common points will be rated before applying for a payday loan:

  • 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

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

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