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Feedback about Jovia Financial Credit Union?
I tried to borrow money from Jovia Financial Credit Union. They denied. Well, that's okay. But how many calls, texts and mails came at once. I do not recommend this service.
Tyler Gerhold PhD
I borrowed $400 for a period of 14 days (supposedly without interest). In the end, without my prior consent, they issued a payday loan for 16 days. As a result, I paid $850 with all the fees.
I took out payday loan from Jovia Financial Credit Union 2 times. Paid off successfully, and wanted to issue more, but they approved a smaller loan.
Frances Carter Sr.
I regret very much that I got in touch with this organization. I agreed by 1%, but the full repayment of the loan brings additional fees. Unsatisfied.
Payday lenders are described in the first three points. Below info defines shared information about payday loans.
Payday Loans in Commack, New York
A short-term lending option is known as a payday loan. This is a type of a financial product issued for several weeks. Available loan amounts range from $100-$1,000.
It is simple and quick to issue loans in Commack, New York. The rates are set on an individual basis: if a customer repays as much loans as possible, she will be provided one of the most favorable terms and rates.
25% small loan cap
How will Jovia Financial Credit Union help take out a loan in Commack, New York?
- 24/7 operation. Such Internet services allow you to get funds at any time. Funds are issued day and night. The transfer will be sent to a account, so a personal visit to the store is not required.
- No paperwork. The list of required documentation is minimal. In most cases, an ID is needed. You do not need to provide a certificate of income.
- Online application. The application is filled in and considered much faster than in banks. Money is transferred within 24 hours after receiving approval.
- High approval level. When it comes to small amounts, a positive decision comes up 98%.
- Availability. Banks provide loans at more stringent requirements on their clients. Age limits and bad credit will become barriers to taking out a loan. Payday lenders are more loyal to clients. The presence of minor delays and a low credit rating does not guarantee rejection.
What data to fill in in the application? - General Info
Then you have to submit an application and get a decision.
Why people take out payday loans?
Payday loans for bad credit
If you are refused a loan at bank, the reason may be a bad credit history. This is a factor processed when deciding to issue a loan. Payday lenders do not consider this factor the only one to issue a loan in Commack, New York. The lending company will estimate many points to qualify such as solvency. Payday loans will be a way to enhance your bad credit rating into a favorable one.
The following common points will be assessed 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.
Rate Your Credit Score
- No way to issue a loan
- No ability to rent a room
- 80% of loan approval
- Apply for all loan types
- 95% of loan approval
- Apply for all loans incl. mortgage
The APR will provide the cost of the loan. It takes seconds to see the outcome.
Other Payday Lenders in Commack, New York
Buffalo Jewelry & Loan
2853 Sheridan Dr, Tonawanda, NY 14150, USA
+1 (716) 939-3335
Jovia Financial Credit Union
1636 Marcus Ave, New Hyde Park, NY 11040, USA
+1 (516) 561-0030
155 White Plains Rd Suite 222, Tarrytown, NY 10591, USA
+1 (844) 266-2548
CFCU Community Credit Union - Mortgage Office
1050 Craft Rd, Ithaca, NY 14850, USA
+1 (607) 257-8500
Five Star Bank
3233 Southwestern Blvd, Orchard Park, NY 14127, USA
+1 (716) 677-2600