Universal Finance Payday Loans Review - Lexington, North Carolina

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Loan agency in Lexington, North Carolina

Organization owner?

76 US-64, Lexington, NC 27295, USA

+1 (336) 238-7548

Friday

Closed

Saturday

Closed

Sunday

5AM–12AM

Monday

Open 24 hours

Tuesday

5AM–12AM

Wednesday

Closed

Thursday

Closed

Testimonials

Feedback about Universal Finance?

Here you read the feedback of our clients.

Note

Pay Attention

Above-defined info offers the details about a exact lender. Below-defined info is oriented on general information about payday loans.

Payday Loans in Lexington, New York

According to the definiftion, a payday loan is a loan taken out for a short term: 2-3 weeks. A small amount is taken out: $100-$1,000.

This financial product in Lexington, New York is issued simply and quickly. The interest percentage is specified depending on the category of the borrower: the more loans are successfully paid back, the more favorable terms will be guaranteed to you.

APR

25% small loan cap

How will Universal Finance help take out a loan in Lexington, New York?

Day and night service. Night hours are the same business hours for online payday lenders. You should not attend the chosen lender offline. The funds will be transferred to your credit card.
No certificates. It is necessary to meet the minimum list of certificates. An ID is one document to have. There is no obligation to provide an income certificate.
Online application. Submit an online application with person-related data. It will take some minutes to process the form. The funds are deposited in 24 business hours.
The approval level is high. Almost 98% of positive decisions are made.
Affordability. If you contact a bank for a loan, you won't be sure it will be approved. There are many limits established by banks. Lenders do not pay attention to minor delays and bad credit. You may issue a loan fast and efficient.

Fill out an application

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

To leave an application, every client should enter 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 have to press a Submit button and get a decision.

Reasons

Why people issue payday loans?

Utility Bills

11%

Healthcare Bills

12%

Traveling

Car Repair

Clothes

Get Started

Bad Credit Approved

Payday loans for bad credit

One of the cause of denial for a loan is a bad credit history. This factor is assessed by microfinance organizations before issuing a loan. But banks almost 100% refuse the application when lenders in Lexington, ny will estimate other aspects like payment abilities and approve a cash advance. This is a way to improve your credit rating.

The following common points will be rated 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.

If you need to find out the annual percentage rate of the payday loan, you are welcome to use the calculator. It will define the cost of the payday loan.

Let's see