Heartland Credit Union Payday Loans Review - Springfield, Illinois

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5 reviews

610 E St Joseph St, Springfield, IL 62703, USA
+1 (217) 726-8877
www.hcu.org
Thursday
8:30AM–5PM
Friday
8:30AM–5PM
Saturday
9AM–12PM
Sunday
Closed
Monday
8:30AM–5PM
Tuesday
8:30AM–5PM
Wednesday
8:30AM–5PM
Testimonials

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Above-defined info offers the details about a certain lending company. Below-specified info is oriented on shared information about payday loans.

Payday Loans in Springfield, Massachusetts

Payday loans are a kind of loans issued by payday lender to individuals for a short period of time - usually several weeks. It is issued a small amount: $100-$1,000.

Payday loans in Springfield, Massachusetts are taken out problem-free. The interest rate depends on the customer's personal information: if you pay off more payday loans, the more efficient terms and rates lenders guarantee.

APR

23% small loan cap

How will Heartland Credit Union help take out a loan in Springfield, Massachusetts?

  • Day and night service. Night hours are the same working for online payday lenders. You should not visit the chosen lender offline. The funds will be transferred to your card.
  • No certificates. It is necessary to meet the minimum list of certificates. An ID is one document to have. There is no obligation to provide an income certificate.
  • Online application. Submit an online application with personal data. It will take several minutes to process the form. The money are credited in 24 business hours.
  • The approval level is high. Almost 98% of positive decisions are made.
  • Affordability. If you address a bank for a loan, you won't be sure it will be approved. There are many limits established by banks. Payday lenders do not pay attention to minor delays and bad credit. You may take out a loan fast and efficient.
Fill out an application

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

To submit an application, every borrower 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 a client should submit an application to get an offer from one of payday lenders.

Reasons

Why people issue payday loans?

Utility Bills

5%
Healthcare Bills

6%
Traveling

5%
Car Repair

2%
Clothes

2%
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 processed when deciding to issue a cash advance. Microfinance organizations do not consider this factor the only one to take out a loan in Springfield, Massachusetts. The lending company will estimate many points to qualify such as payment abilities. Payday loans will be a source to enhance your bad credit score into a favorable one.

The following general points will be assessed before applying for a cash advance:

  • 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 are going to take out a payday loan, you should calculate its definite cost. This calculator will show the annual percentage rate of the loan.

Let's see

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