Ridgewood Savings Bank Payday Loans Review - Astoria, New York

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4.2 6 reviews

Organization owner?

43-14 Ditmars Blvd, Queens, NY 11105, USA

+1 (718) 274-5400

branches.ridgewoodbank.com

Saturday

8:30AM–2PM

Sunday

Closed

Monday

8:30AM–5PM

Tuesday

8:30AM–5PM

Wednesday

8:30AM–5PM

Thursday

8:30AM–7PM

Friday

8:30AM–5PM

Domain Info

What people think about Ridgewood Savings Bank?

Below you get acquainted with some of the testimonials of our customers.

Note

Important

Now you can see general characteristics of payday loans.

Payday Loans in Astoria, New York

A payday loan is an unsecured loan — typically $100 to $1,000 — that's must be repaid + interest as soon as you get your next paycheck. Terms typically do not exceed 4 weeks.

Payday loans in Astoria, New York is are easy to get. The interest rate is specific for each borrower and depends on various aspects: age, income, loan amount needed, loan term, credit score, etc.

APR

25% small loan cap

Advantages of Ridgewood Savings Bank that offers payday loans in Astoria, New York

24/7 application. This means you can apply and get funds at any time. Funds are deposited into your bank account immediately, so you do not need to visit to the lender’s store.
No paperwork. You will only be asked to have basic documents. In most cases, you will only need an ID. Paystubs are not required.
Online application. Your request will be considered much faster than in other financial institution. Funds are deposited to your account within a few hours.
High approval chances. 94% of applicants are accepted.
Any credit welcomed. Banks reject applicants with bad credit. But payday companies are ready to help people with any credit score.

Fill out an application

Information needed to complete a loan application

You will be required to enter the following details:

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

Click a “Submit” button to get a loan offer from one of the lending companies.

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 unsecured loan products available to individuals with a poor credit history. Payday loan approvals depend very much on other aspects. They will look at 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 on time.

To get approved for a loan, you need to meet the following eligibility criteria:

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.

Use the below online calculator to quickly calculate the annual percentage rate and find out the real cost of the payday loan immediately.

Let's see