Horizon Credit Union Payday Loans Review - Sandpoint, Idaho

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4.3 7 reviews

Organization owner?

520 N Fifth Ave, Sandpoint, ID 83864, USA

+1 (800) 852-5316

www.hzcu.org

Tuesday

9:30AM–6PM

Wednesday

9:30AM–6PM

Thursday

9:30AM–6PM

Friday

9:30AM–6PM

Saturday

Closed

Sunday

Closed

Monday

9:30AM–6PM

Domain Info

What people think about Horizon Credit Union?

Below you see some of the opinions of our clients.

Note

Important

Now you can read general characteristics of payday loans.

Payday Loans in Sandpoint, Idaho

A payday loan is a short-term, small loan ($100 - $1,000) that you pay off once you receive your next paycheck, typically two to four weeks.

Payday loans may become an easy and fast solution to a short-term problem in Sandpoint, Idaho. Loans from payday lenders can get you funds within a few hours. Your APR will depend on several factors.

APR

652%*

Max Loan

$1,000 (or 25% of gross monthly income)

Min Term

Not Specified

Max Term

Not Specified

Advantages of Horizon Credit Union that offers payday loans in Sandpoint, Idaho

24/7 application. This means you can apply and get funds around the clock. Funds are sent into your bank account immediately, so you do not need to visit to the lender’s office.
No paperwork. You will only be asked to have basic documents. In most cases, you will only need an ID. Paystubs are not required.
Online application. Your request will be processed much faster than in other financial institution. Funds are deposited to your account within several hours.
High approval chances. 94% of applications are approved.
Any credit welcomed. Banks reject applicants with poor credit. But payday companies are ready to help people with any credit score.

Fill out an application

Information needed to complete a loan application

You will be required to enter the following details:

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

Click a “Submit” button to recieve a loan offer from one of the lenders.

Common reasons

Why people apply for payday loans?

Car expenses

16%

Treatment

11%

Vacation

Clothes

Home improvement

Debt Consolidation

Get Started

Bad Credit Approved

Payday loans for bad credit

A poor credit score doesn't have to prevent you from applying for payday loans. They are one of the few easy loan products offered to clients with a bad credit score. Payday loan approvals depend very much on other aspects. Payday companies will check your earnings and subtract all your expenses. Usually, your score won’t be affected by a payday loan, as long as you repay it in full and in a timely manner.

To get approved for a cash advance, you need to meet the following eligibility criteria:

be 18 years old or older;
be a U.S. citizen or permanent resident;
be employed and have a steady income;
have a valid checking account in your name;
have an email address and phone number.

~ Credit score ~

Rate Your Credit Score

Low

300 – 579 points

No ability to get 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 including 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 want to find out the real annual percentage rate of the loan before applying, you can use the online calculator. It will help you determine the exact cost of the loan in a few minutes.

Let's see