First Citizens Bank Payday Loans Review - El Cajon, California

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3 8 reviews

175 W Main St, El Cajon, CA 92020, USA
+1 (619) 590-2265
locations.firstcitizens.com
Wednesday
9AM–5PM
Thursday
9AM–5PM
Friday
9AM–5PM
Saturday
Closed
Sunday
Closed
Monday
9AM–5PM
Tuesday
9AM–5PM
Testimonials

Feedback about First Citizens Bank?

Here you grapple with the feedback of our customers.
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Above-shown info offers the details about a certain lending company. Below-shown info is devoted to general information about payday loans.

Payday Loans in El Cajon, California

The financial product called as a payday loan is issued for a short-lasting period: 2-3 weeks. $100-$1,000 is approved for cutomers.

Such financial products as payday loan in El Cajon, California is taken out easily and fast for a short period: 2-3 weeks. The interest rates are set on an individual basis concerning on the person-related data: the more loans you pay back off, the more favorable rates a customer will get.

APR

460%* (369% on the average in 2019)

Max Loan

$300

Min Term

Not Specified

Max Term

31 days

How will First Citizens Bank help issue a payday loan in El Cajon, California?

  • Day and night service. Night hours are the same working for online lenders. You should not visit the chosen lender offline. The funds will be transferred to your 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 form with personal data. It will take some minutes to consider the form. The money 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 set by banks. Payday lenders do not pay attention to minor delays and bad credit. You may take out a loan fast and efficient.
Fill out an application

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

To submit an application, every borrower should fill out the following data:
Loan Amount, Loan Purpose, Email Address
First Name, Last Name, Date Of Birth, Primary Phone Number, Driver's License Number, Your SSN
Zip Code, Street Address
How often do you get paid?, Next Paydate, Type of Account, How do you get paid?
Your Income Source, Are you in the military?, Your Employer Name, Your Monthly Net Income, Your Employer Phone Number
If you have $10,000+ in unsecured debt and would like one of our partners to contact you?, What`s your approximate credit rating?
Select your Bank, Select your Bank’s State, ABA/Routing Number, Account Number

Then press a Submit button to get an offer from one of the lending companies.

Reasons

Why people take out payday loans?

Utility Bills

Healthcare Bills

Traveling

Car Repair

Clothes

Bad Credit Approved

Payday loans for bad credit

If you are refused a loan at bank, the reason may be a bad credit history. This is a factor processed when deciding to issue a cash advance. Microfinance organizations do not consider this factor the only one to issue a loan in El Cajon, California. The lending company will estimate many points to qualify such as solvency. Cash advance will be a source to improve your bad credit rating into a favorable one.

The following common points will be assessed 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

The annual percentage rate will define the cost of the loan. It takes seconds to see the outcome.

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