Universal Finance, Inc Payday Loans Review - Lenoir, North Carolina

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4.3 7 reviews

Loan agency in Lenoir, North Carolina

Organization owner?

176 Wilkesboro Blvd NE, Lenoir, NC 28645, USA

7 years in business

+1 (828) 759-0007

ufi-nc.com

Friday

8AM–5PM

Saturday

Closed

Sunday

Closed

Monday

8AM–5PM

Tuesday

8AM–5PM

Wednesday

8AM–5PM

Thursday

8AM–5PM

Domain Info

Feedback about Universal Finance, Inc?

Here you grapple with the reviews of our customers.

Note

Pay Attention

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

Payday Loans in Lenoir, North Carolina

Payday loans are a type of loans taken out by payday lender to people for a short period of time - usually 2 to 3 weeks. It is issued a small amount: $100-$1,000.

Such financial products as payday loan in Lenoir, North Carolina is issued easily and fast for a short period: 2-3 weeks. The interest rates are established on an individual basis concerning on the personal data: the more loans you pay back off, the more favorable rates you will get.

APR

36% APR small loan cap

How will Universal Finance, Inc help issue a payday loan in Lenoir, North Carolina?

24/7 service. Such Internet services allow you to get funds at any time. Funds are taken out day and night. The transfer will be sent to a credit card, so a personal visit to the office 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 out and processed much faster than in banks. Money is deposited within 24 hours after receiving approval.
High approval level. When it relates to small amounts, a positive answer comes up 98%.
Availability. Banks impose 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 bad credit does not guarantee rejection.

Fill in an application

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

To leave an application, every borrower 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 you should submit an application to get a proposal from one of 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

Bad credit history is a unfavorable factor that is considered by financial institutions. Payday lenders in Lenoir, nc consider this circumstance not an obstacle to take out a loan. The customer of a cash advance should be ready to objectively estimate financial abilities, issue a loan, repay the debt on time and not only solve current issues, but enhance the credit history.

The following general points will be estimated 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.

If you need to know the APR of the payday loan, you are welcome to use the calculator. It will determine the cost of the cash advance.

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