Bay Federal Credit Union Payday Loans Review - Scotts Valley, California

Your personal information is safe with us

3.7 17 reviews

Organization owner?

255 Mt Hermon Rd C, Scotts Valley, CA 95066, USA

+1 (831) 479-6000

www.bayfed.com

Friday

9AM–6PM

Saturday

Closed

Sunday

Closed

Monday

9AM–5PM

Tuesday

9AM–5PM

Wednesday

10AM–5PM

Thursday

9AM–5PM

Domain Info

Mailing Address

3333 CLARES ST

CAPITOLA

95010-2546

United States

Contact Data

tech@bayfed.com

+1.8314796000

Testimonials

Feedback about Bay Federal Credit Union?

Here you read the feedback of our clients.

Note

Pay Attention

Further there will be presented the details about not a certain lender. The information below will tell about general information about payday loans and its specific elements.

Payday Loans in Scotts Valley, California

According to the definiftion, a payday loan is a lending option taken out for a short period: 2-3 weeks. A small amount is issued: $100-$1,000.

Such financial products as payday loan in Scotts Valley, California is taken out easily and quickly for a short term: 2-3 weeks. The interest rates are established on an individual basis depending on the personal data: the more cash advance you pay back off, the more favorable rates a borrower will get.

APR

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

Max Loan

$300

Min Term

Not Specified

Max Term

31 days

How will Bay Federal Credit Union help take out a payday loan in Scotts Valley, California?

Round the clock service. Every client may contact the service at any time of the day and night. The borrowed funds will be transfered to credit card. You won't be asked to attend any department.
No certificates necessary. The list of certificates to get an approval is minimum. You need only an ID. A income certificate is not required.
Online application. You have to fill in an online application only. It will be considered in a matter of minutes. The money are deposited in 24 business hours.
Fast and high approval percentage. The positive answer counts almost 98%.
Accessibility. Not all clients are able to issue a loan at banks. Age and bad credit may prevent from issuing a loan. Minor delays and low score won't be an obstacle to issue a payday loan from online lenders.

Fill out an application

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

To leave an application, every client 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 submit an application to get an offer from one of the lenders.

Reasons

Why people issue payday loans?

Utility Bills

Healthcare Bills

Traveling

Car Repair

Clothes

Get Started

Bad Credit Approved

Payday loans for bad credit

One of the reason of refusal for a loan is a bad credit history. This factor is assessed by payday lenders before taking out a loan. But banks almost 100% refuse the application when lenders in Scotts Valley, ca will assess other aspects like payment abilities and approve a loan. This is a way to improve your credit rating.

The following common points will be estimated 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

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 issue a payday loan, you should define its definite cost. This calculator will show the annual percentage rate of the loan.

Let's see