Optus Bank Payday Loans Review - Columbia, South Carolina

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3.4 10 reviews

Organization owner?

1241 Main St Suite 100, Columbia, SC 29209, USA

+1 (803) 733-8100

optus.bank

Wednesday

9AM–5PM

Thursday

9AM–5PM

Friday

9AM–6PM

Saturday

Closed

Sunday

Closed

Monday

9AM–5PM

Tuesday

9AM–5PM

Domain Info

What people think about Optus Bank?

Below you see some of the opinions of our clients.

Note

Pay Attention

Below you can review general information about payday loans and their common characteristics.

Payday Loans in Columbia, Connecticut

Payday loans are short-term loans originally invented to tide people over until payday. You can typically borrow from $100 to $1,000.

It is easy and speedy to get accepted for payday loans in Columbia, Connecticut. The APR will be set individually for each client and will depend on the personal information the applicant entered.

APR

12$ small loan cap

Advantages of Optus Bank that offers payday loans in Columbia, Connecticut

24/7 service. This means you can apply and get funds around the clock. Funds are sent into your bank account immediately, so you do not need to visit to the lender’s office.
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 sent to your account within a few hours.
High approval chances. 94% of borrowers are accepted.
Any credit welcomed. Banks reject applicants with poor credit. But payday companies are ready to help people with any credit score.

Fill in an application

Information needed to complete a loan application

You will be required to 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

Submit your application to recieve a loan offer, then review its terms and rates.

Common reasons

Why people take out cash advances?

Car expenses

Treatment

Vacation

Clothes

Home improvement

Debt Consolidation

Get Started

Bad Credit Approved

Payday loans for bad credit

If you have a bad credit score you may still be able to take out a payday loan. Such loans are designed to help meet the needs of applicants with bad credit scores. There are lenders who may be ready to offer you a payday loan even if you have a poor credit score. You will need a steady income to get accepted for a bad credit payday loan.

To get accepted for a loan, you must 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.

If you are going to take out a loan, you can use an online calculator. It will show the precise APR of your loan.

Let's see