Optima Lender Services Payday Loans Review - Cleveland, Ohio

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1.8 5 reviews

Loan agency in Warrensville Heights, Ohio

Organization owner?

4640 Richmond Rd, Cleveland, OH 44128, USA

7 years in business

+1 (216) 342-5006

Thursday

10AM–5PM

Friday

10AM–5PM

Saturday

Closed

Sunday
(Easter)

Closed

Monday

10AM–5PM

Tuesday

10AM–5PM

Wednesday

10AM–5PM

Testimonials

Feedback about Optima Lender Services?

Here you get acquainted with the feedback of our clients.

Note

Pay Attention

The first three points describe the certain lending company. In other turn, below-specified info makes people grapple with general information about payday loans.

Payday Loans in Cleveland, New York

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

Payday loans in Cleveland, New York are issued hassle-free. The interest percentage depends on the customer's personal data: if you cover obligations for more payday loans, the more efficient terms and rates payday lending companies guarantee.

APR

25% small loan cap

How will Optima Lender Services help take out a payday loan in Cleveland, New York?

Day and night service. Night hours are the same working for online lenders. You should not visit the chosen payday lender offline. The funds will be deposited to your bank account.
No certificates. It is necessary to satisfy the minimum list of certificates. An ID is one document to have. There is no obligation to send an income certificate.
Online application. Submit an online form with customer data. It will take some minutes to consider the form. The funds are credited in 24 business hours.
The approval rate is high. Almost 98% of positive decisions are made.
Affordability. If you address 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 in an application

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

To leave an application, every client 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

After filling in an application, submit it and get the decision.

Reasons

Why people take out payday loans?

Utility Bills

14%

Healthcare Bills

16%

Traveling

12%

Car Repair

Clothes

Get Started

Bad Credit Approved

Payday loans for bad credit

A unfavorable factor processed by financial institutions is known as bad credit history. But this hindrence is not taken as the only one by lenders to issue a cash advance. The lending company review many aspects such as financial abilities to approve the application. Payday loans in Cleveland, New York may help level up 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.

The calculator defines the cost of the payday loan known as annual percentage rate.

Let's see