First Community Bank Payday Loans Review - Cullman, Alabama

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3.5 10 reviews

Organization owner?

420 2nd Ave SW, Cullman, AL 35055, USA

+1 (256) 734-4863

www.fcbcullman.com

Friday

8AM–5PM

Saturday

Closed

Sunday

Closed

Monday

8AM–5PM

Tuesday

8AM–5PM

Wednesday

8AM–5PM

Thursday

8AM–5PM

Domain Info

Mailing Address

5335 Gate Parkway care of Network Solutions PO Box 459

Jacksonville

32256

United States

Contact Data

mp46376q6jp@networksolutionsprivateregistration.com

+1.5707088780

Testimonials

Feedback about First Community Bank?

Here you get acquainted with the reviews of our customers.

Note

Pay Attention

Further there will be given the details about not a definite lender. The information below will explain general information about payday loans and its specific aspects.

Payday Loans in Cullman, Alabama

A short-term lending option is considered as a payday loan. This is a kind of a financial product taken out for several weeks. Accessible loan amounts vary from $100-$1,000.

Payday loans in Cullman, Alabama are issued problem-free. The interest percentage depends on the customer's person-related data: if you repay more payday loans, the more reasobanle terms and rates lenders offer.

APR

456%*

Max Loan

$500

Min Term

10 days

Max Term

31 days

How will First Community Bank help take out a loan in Cullman, Alabama?

24/7 service. Such Internet services allow you to deposit funds at any time. Funds are issued day and night. The payday loan will be sent to a bank account, so a personal visit to the department is not required.
No paperwork. The list of required documents is minimal. In most cases, an ID is sufficient. 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 transferred in a mtter of 24 hours after receiving approval.
High approval level. When it relates to small amounts, a positive decision comes up 98%.
Availability. Banks offer more stringent requirements on their clients. Age restrictions and bad credit will become barriers to issuing a loan. Payday lenders are more loyal to borrowers. The presence of minor delays and a low score does not guarantee denial.

Fill in an application

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

To submit an application, every borrower 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

Then you have to press a Submit button and get a deal.

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

One of the cause of denial for a loan is a bad credit history. This factor is reviewed by microfinance organizations before issuing a loan. But banks almost 100% deny the request when lenders in Cullman, al will assess other aspects like payment abilities and approve a cash advance. This is a way to enhance your credit history.

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 are going to take out a loan, you should calculate its definite cost. This calculator will show the APR of the loan.

Let's see