Bank of the James - Altavista Payday Loans Review - Altavista, Virginia

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4.2 10 reviews

Organization owner?

1110 Main St, Altavista, VA 24517, USA

+1 (434) 369-7300

www.bankofthejames.bank

Sunday

Closed

Monday

9AM–5PM

Tuesday

9AM–5PM

Wednesday

9AM–5PM

Thursday

9AM–5PM

Friday

9AM–6PM

Saturday

Closed

Domain Info

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Above there are details about a certain lending company. Below every reader may get acquainted with the common features of payday loans.

Payday Loans in Altavista, Virginia

A short-term loan is considered as a payday loan. This is a type of a financial product issued for several weeks. Accessible loan amounts range from $100-$1,000.

Such financial products as payday loan in Altavista, Virginia is taken out easily and quickly for a short term: 2-3 weeks. The interest rates are established on an individual basis concerning on the person-related data: the more cash advance you pay back off, the more reasonable rates a customer will recieve.

APR

36%

Max Loan

$2,500

Min Term

4 months

Max Term

24 months

How will Bank of the James - Altavista help take out a payday loan in Altavista, Virginia?

24/7 operation. Such Internet services allow you to deposit funds at any time. Money are taken out around the clock. The deposit will be sent to a card, so a personal visit to the department is not required.
No paperwork. The list of required documentation is minimal. In most cases, an ID is needed. You do not need to send a certificate of income.
Online application. The application is filled out and reviewed much faster than in banks. Money is credited within 24 hours after receiving approval.
High approval rate. When it relates to small amounts, a positive decision comes up 98%.
Availability. Banks provide loans at more stringent requirements on their borrowers. Age limits and bad credit will become barriers to taking out a loan. Lenders are more loyal to customers. The presence of minor delays and a low credit rating does not guarantee rejection.

Fill in an application

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

To submit an application, every borrower 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

Submit an application to recieve terms and rates for an offer from one of lending companies.

Reasons

Why people issue payday loans?

Utility Bills

Healthcare Bills

Traveling

Car Repair

Clothes

Get Started

Bad Credit Approved

Payday loans for bad credit

A negative factor taken into account by financial institutions is known as bad credit history. But this obstacle is not implied as the only one by payday lenders to issue a cash advance. The lender review many aspects such as financial solvency to approve the form. Payday loans in Altavista, Virginia may help level up your credit rating.

The following common points will be estimated 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 APR of the loan, you are welcome to apply the calculator. It will specify the cost of the payday loan.

Let's see