Joy State Bank Payday Loans Review - Joy, Illinois

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4 4 reviews

Organization owner?

101 W Main St, Joy, IL 61260, USA

+1 (309) 584-4146

Thursday

8AM–4PM

Friday

8AM–4PM

Saturday

8AM–12PM

Sunday

Closed

Monday

8AM–4PM

Tuesday

8AM–4PM

Wednesday

8AM–12PM

Testimonials

Feedback about Joy State Bank?

Here you read the feedback of our clients.

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Further there will be given the details about not a exact lending company. The information below will define shared information about payday loans and its specific elements.

Payday Loans in Joy, Illinois

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

This financial product in Joy, Illinois is issued simply and fast. The interest rate is defined considering the category of the client: the more loans are successfully paid off, the more attractive terms will be guaranteed to you.

APR

404%*

Max Loan

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

Min Term

13 days

Max Term

120 days

How will Joy State Bank help take out a payday loan in Joy, Illinois?

24/7 operation. Such Internet services allow you to credit funds at any time. Funds are issued around the clock. The deposit will be sent to a credit card, so a personal visit to the office is not required.
No paperwork. The list of required papers 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 considered much faster than in banks. Money is transferred within 24 hours after receiving approval.
High approval level. When it concerns to small amounts, a positive answer comes up 98%.
Availability. Banks provide loans at more stringent requirements on their borrowers. Age restrictions and bad credit will become barriers to issuing a loan. Payday lenders are more loyal to customers. The presence of minor delays and a low score does not guarantee denial.

Fill in an application

What data to fill out 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

Submit an application to recieve terms and rates for an offer from one of lending companies.

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

A unfavorable factor reviewed by financial institutions is known as bad credit history. But this drawback is not taken as the only one by payday lenders to take out a cash advance. The lending company process many aspects such as financial capabilities to approve the form. Cash advance in Joy, Illinois may help improve your credit rating.

The following common points will be assessed 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.

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

Let's see