United Bay Community Credit Union Payday Loans Review - Bay City, Michigan

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4.1 17 reviews

Organization owner?

1309 N Lincoln St, Bay City, MI 48708, USA

+1 (989) 892-4597

www.ubccu.org

Sunday

Closed

Monday

9AM–5PM

Tuesday

9AM–5PM

Wednesday

9AM–5PM

Thursday

9AM–5PM

Friday

9AM–5:30PM

Saturday

Closed

Domain Info

Feedback about United Bay Community Credit Union?

Here you grapple with the feedback of our customers.

Note

Pay Attention

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

Payday Loans in Bay City, Michigan

Payday loans are a type of loans issued by payday lender to people for a short period of time - usually several weeks. It is taken out a small amount: $100-$1,000.

Such financial products as payday loan in Bay City, Michigan is issued simply and quickly for a short term: 2-3 weeks. The interest rates are set on an individual basis relative to the person-related data: the more payday loans you pay back off, the more reasonable rates you will get.

APR

369% APR*

Max Loan

600

Min Term

Not Specified

Max Term

31 days

How will United Bay Community Credit Union help issue a payday loan in Bay City, Michigan?

24/7 service. Such Internet services allow you to receive funds at any time. Money are issued day and night. The transfer will be sent to a credit card, so a personal visit to the office is not necessary.
No paperwork. The list of required certificates 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 in and considered much faster than in banks. Money is credited 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 limits 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 score does not guarantee rejection.

Fill in an application

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

To submit an application, every customer 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

Then submit an application to recieve an offer from one of the 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 reason of denial for a loan is a bad credit history. This factor is estimated by microfinance organizations before taking out a loan. But banks almost 100% deny the application when lenders in Bay City, mi will estimate other aspects like payment abilities and approve a cash advance. This is a way to enhance your credit rating.

The following common points will be assessed 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.

The calculator clarifies the cost of the loan known as annual percentage rate.

Let's see