Maine State Credit Union Payday Loans Review - Waterville, Maine

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4 17 reviews

Organization owner?

81 Grove St, Waterville, ME 04901, USA

+1 (207) 873-5159

www.mainestatecu.org

Thursday

8AM–4:30PM

Friday

8AM–4:30PM

Saturday

Closed

Sunday

Closed

Monday
(Patriots' Day)

8AM–4:30PM

Hours might differ

Tuesday

8AM–4:30PM

Wednesday

8AM–4:30PM

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

Payday Loans in Waterville, New York

A short-term loan is known as a payday loan. This is a kind of a financial product taken out for 2,3 weeks. Available loan amounts vary from $100-$1,000.

It is simple and fast to take out loans in Waterville, New York. The rates are set on an individual basis: if a borrower repays as much payday loans as possible, he will be offered one of the most reasonable terms and rates.

APR

25% small loan cap

How will Maine State Credit Union help take out a payday loan in Waterville, New York?

24/7 operation. Such online services allow you to credit funds at any time. Funds are taken out around the clock. The transfer will be sent to a bank account, 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 needed. You do not need to provide a certificate of income.
Online application. The application is filled in and reviewed much faster than in banks. Money is transferred within 24 hours after receiving approval.
High approval level. When it relates to small amounts, a positive answer comes up 98%.
Availability. Banks offer more stringent requirements on their clients. Age restrictions and bad credit will become barriers to issuing a loan. Payday lenders are more loyal to borrowers. The presence of minor delays and a low credit rating does not guarantee denial.

Fill in an application

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

To leave an application, every borrower 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

After filling in an application, submit it and get the decision.

Reasons

Why people issue payday loans?

Utility Bills

11%

Healthcare Bills

12%

Traveling

Car Repair

Clothes

Get Started

Bad Credit Approved

Payday loans for bad credit

Bad credit history is a adverse factor that is considered by financial institutions. Microfinance organizations in Waterville, ny consider this circumstance not a hindrence to issue a loan. The recipient of a cash advance should be ready to objectively assess financial abilities, take out a loan, pay back the debt on time and not only handle current problems, but improve the credit rating.

The following common points will be assessed 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

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 take out a loan, you should define its real cost. This calculator will show the APR of the loan.

Let's see