Mechanics Bank - Westridge Branch Payday Loans Review - Salinas, California

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3.5 8 reviews

1285 N Davis Rd, Salinas, CA 93907, USA
+1 (831) 784-7700
www.mechanicsbank.com
Friday
9AM–6PM
Saturday
Closed
Sunday
Closed
Monday
9AM–5PM
Tuesday
9AM–5PM
Wednesday
9AM–5PM
Thursday
9AM–5PM

Domain Info

Created Date

2000-11-17

Mailing Address

REDACTED FOR PRIVACY

REDACTED FOR PRIVACY

CA

REDACTED FOR PRIVACY

United States

Company Name

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Contact Data

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Testimonials

Feedback about Mechanics Bank - Westridge Branch?

Here you grapple with the reviews of our clients.
Note

Pay Attention

The first three points show the certain lending company. In other turn, below-defined info makes people grapple with common information about payday loans.

Payday Loans in Salinas, California

Payday loan is issued for a short period: 2-3 weeks. The offered loan amounts are $100-$1,000.

Payday loans in Salinas, California are taken out problem-free. The interest percentage is conditional on the customer's person-related data: if you pay off more payday loans, the more reasobanle terms and rates payday lending companies offer.

APR

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

Max Loan

$300

Min Term

Not Specified

Max Term

31 days

How will Mechanics Bank - Westridge Branch help take out a payday loan in Salinas, California?

  • 24/7 service. Such online services allow you to receive funds at any time. Money are issued around the clock. The loan will be sent to a account, so a personal visit to the office is not necessary.
  • No paperwork. The list of required documentation is minimal. In most cases, an ID is needed. 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 relates to small amounts, a positive decision comes up 98%.
  • Availability. Banks impose more stringent requirements on their clients. Age restrictions and bad credit will become barriers to taking out 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 out in the application? - General Info

To leave an application, every customer 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 you have to submit an application and recieve an offer.

Reasons

Why people issue payday loans?

Utility Bills

Healthcare Bills

Traveling

Car Repair

Clothes

Bad Credit Approved

Payday loans for bad credit

If you are declined a loan at bank, the reason may be a bad credit history. This is a factor reviewed when deciding to issue a loan. Lenders do not consider this factor the only one to take out a loan in Salinas, California. The company will estimate many points to qualify such as payment abilities. Cash advance will be a source to improve your bad credit rating into a favorable one.

The following general points will be rated before applying for a payday 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

The APR will specify the cost of the loan. It takes seconds to see the result.

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