Patelco Credit Union Payday Loans Review - San Jose, California

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3.8 12 reviews

Organization owner?

1775 Story Rd Suite 110, San Jose, CA 95122, USA

+1 (800) 358-8228

www.patelco.org

Friday

10AM–5PM

Saturday

10AM–2PM

Sunday

Closed

Monday

10AM–5PM

Tuesday

10AM–5PM

Wednesday

10AM–5PM

Thursday

10AM–5PM

Domain Info

Feedback about Patelco Credit Union?

Here you get acquainted with the reviews of our clients.

Note

Pay Attention

Payday lenders are shown in the first three points. Below info shows common information about payday loans.

Payday Loans in San Jose, Illinois

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

Problem-free financial products are considered as payday loans in San Jose, il. They are taken out at individually-set interest rates. They depend on customer's data. It is also important to pay off as much payday loans as possible.

APR

404%*

Max Loan

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

Min Term

13 days

Max Term

120 days

How will Patelco Credit Union help issue a payday loan in San Jose, Illinois?

24/7 service. Such online services allow you to get funds at any time. Money are taken out day and night. The transfer will be sent to a credit card, so a personal visit to the department is not necessary.
No paperwork. The list of required papers is minimal. In most cases, an ID is sufficient. You do not need to send a certificate of income.
Online application. The application is filled out and reviewed much faster than in banks. Money is transferred in a mtter of 24 hours after receiving approval.
High approval rate. 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 low credit rating does not guarantee denial.

Fill out an application

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

To submit an application, every borrower should enter 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

Then you have to submit an application and recieve an offer.

Reasons

Why people issue payday loans?

Utility Bills

Healthcare Bills

Traveling

Car Repair

Clothes

Get Started

Bad Credit Approved

Payday loans for bad credit

Bad credit history is a adverse factor that is taken into account by financial institutions. Microfinance organizations in San Jose, il review this circumstance not a drawback to issue a loan. The client of a cash advance should be prepared to objectively estimate financial abilities, take out a loan, pay off the debt on schedule and not only cope with current issues, but enhance the 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

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.

The calculator clarifies the cost of the payday loan known as APR.

Let's see