SPIRE Credit Union - Saint Cloud Payday Loans Review - Saint Cloud, Minnesota

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5 3 reviews

Organization owner?

600 25th Ave S #101, St Cloud, MN 56301, USA

+1 (651) 215-3500

myspire.com

Thursday

8AM–4PM

Friday

8AM–4PM

Saturday

Closed

Sunday

Closed

Monday

8AM–4PM

Tuesday

8AM–4PM

Wednesday

8AM–4PM

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Feedback about SPIRE Credit Union - Saint Cloud?

Here you see the reviews of our customers.

Note

Pay Attention

Further there will be given the details about not a exact lending company. The information below will tell about general information about payday loans and its specific elements.

Payday Loans in Saint Cloud, Florida

A short-term loan is considered as a payday loan. This is a kind of a financial product taken out for several weeks. Available loan amounts vary from $100-$1,000.

Payday loans in Saint Cloud, Florida are taken out hassle-free. The interest rate is conditional on the borrower's personal information: if you pay back more payday loans, the more efficient terms and rates payday lending companies offer.

APR

304%*

Max Loan

$500 for single payment and $1,000$ for installment loans

Min Term

7 days for single payment and 60 days for installment loans

Max Term

31 days for single payment and 90 days for installment loans

How will SPIRE Credit Union - Saint Cloud help take out a payday loan in Saint Cloud, Florida?

24/7 operation. Such Internet services allow you to credit funds at any time. Funds are issued day and night. The payday loan will be sent to a account, so a personal visit to the office is not necessary.
No paperwork. The list of required documents is minimal. In most cases, an ID is needed. 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 within 24 hours after receiving approval.
High approval rate. When it concerns to small amounts, a positive answer comes up 98%.
Availability. Banks impose more stringent requirements on their borrowers. Age restrictions and bad credit will become barriers to taking out a loan. Lenders are more loyal to clients. The presence of minor delays and a low score does not guarantee denial.

Fill out an application

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

To leave an application, every borrower should fill in 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 take out payday loans?

Utility Bills

Healthcare Bills

Traveling

Car Repair

Clothes

Get Started

Bad Credit Approved

Payday loans for bad credit

A adverse factor taken into account by financial institutions is known as bad credit history. But this hindrence is not taken as the only one by payday lenders to take out a cash advance. The lender process many aspects such as financial capabilities to approve the application. Payday loans in Saint Cloud, Florida may help level up your credit rating.

The following general points will be rated before applying for a 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 defines the cost of the loan known as annual percentage rate.

Let's see