Credit Union of Southern California Payday Loans Review - Laguna Niguel, California

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24000 Avila Rd Suite U120, Laguna Niguel, CA 92677, USA

+1 (866) 287-6225

www.cusocal.org

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Payday lenders are provided in the first three points. Below info shows shared information about payday loans.

Payday Loans in Laguna Niguel, California

A short-term lending option is considered as a payday loan. This is a type of a financial product issued for 2,3 weeks. Accessible loan amounts range from $100-$1,000.

It is simple and fast to take out payday loans in Laguna Niguel, California. The rates are accured on an individual basis: if a client repays as much loans as possible, he will be offered one of the most reasonable terms and rates.

APR

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

Max Loan

$300

Min Term

Not Specified

Max Term

31 days

How will Credit Union of Southern California help issue a payday loan in Laguna Niguel, California?

24/7 operation. Such Internet services allow you to receive funds at any time. Money are taken out around the clock. The payday loan will be sent to a credit card, so a personal visit to the department is not necessary.
No paperwork. The list of required documents is minimal. In most cases, an ID is sufficient. You do not need to provide a certificate of income.
Online application. The application is filled out and processed much faster than in banks. Money is credited within 24 hours after receiving approval.
High approval rate. When it comes to small amounts, a positive answer comes up 98%.
Availability. Banks offer more stringent requirements on their clients. Age limits and bad credit will become barriers to issuing a loan. Payday lenders are more loyal to clients. The presence of minor delays and a bad credit does not guarantee denial.

Fill in an application

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

To submit an application, every customer 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

Then you have to press a Submit button and recieve an offer.

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

Bad credit history is a negative factor that is processed by financial institutions. Lenders in Laguna Niguel, ca consider this circumstance not a hindrence to take out a loan. The recipient of a cash advance should be ready to objectively assess financial solvency, take out a loan, pay off the debt on schedule and not only cope with current difficulties, but improve the credit rating.

The following general points will be rated before applying for a loan:

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

If you need to find out the annual percentage rate of the payday loan, you are welcome to apply the calculator. It will specify the cost of the cash advance.

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