Welcome to Our Online Loan Referral Service

3.7 3 reviews

370 Chelsea Crossroads, Chelsea, AL 35043, USA
+1 (205) 678-8406
www.apcocu.org
Thursday
8:30AM–4:30PM
Friday
8:30AM–5:30PM
Saturday
Closed
Sunday
Closed
Monday
8:30AM–4:30PM
Tuesday
8:30AM–4:30PM
Wednesday
8:30AM–4:30PM

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Feedback about APCO Employees Credit Union?

Here you get acquainted with the reviews of our customers.

I regret very much that I contacted this organization. I agreed by 1%, but the full repayment of the loan brings additional charges. Unsatisfied.

Arch Schoen

100% sly company. They ask for a photo then distribute on the Internet. They lie that it is approved, so that you sent them a card data and an ID photo.

Prof. Mariano Zboncak IV

I tried to borrow money from APCO Employees Credit Union. They refused. Well, that's okay. But how many calls, texts and mails came at once. I do not recommend this company.

Marilie Kiehn

Pay Attention

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

Payday Loans in Chelsea, New York

A short-term loan is considered as a payday loan. This is a kind of a financial product issued for 2,3 weeks. Available loan amounts range from $100-$1,000.

Hassle-free financial products are known as payday loans in Chelsea, ny. They are taken out at individual interest rates. They depend on personal data. It is also important to pay back as much payday loans as possible.

APR

25% small loan cap

How will APCO Employees Credit Union help issue a loan in Chelsea, New York?

  • Day and night service. Night hours are the same business hours for online lending companies. You should not attend the chosen payday lender offline. The funds will be transferred to your credit 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 customer data. It will take some minutes to review the application. The money are transferred 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 restrictions established by banks. Lenders do not pay attention to minor delays and bad credit. You may take out a loan fast and efficient.

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

To submit an application, every customer 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

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

Why people take out payday loans?

70%

Utility Bills

80%

Healthcare Bills

60%

Traveling

20%

Car Repair

30%

Clothes

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

If you are refused a loan at bank, the cause may be a bad credit history. This is a factor reviewed when deciding to issue a loan. Lenders do not consider this factor the only one to take out a loan in Chelsea, New York. The lending company will assess many points to qualify such as financial capabilities. Cash advance will be a way to improve your bad credit rating into a favorable one.

The following general points will be rated 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.

Rate Your Credit Score

Low Rate

300

Lower than Average

579

  • No way to issue a loan
  • No ability to rent a room
Average Rate

670

High Rate

739

  • 80% of loan approval
  • Apply for all loan types
Great Score

740

Perfect Score

799

  • 95% of loan approval
  • Apply for all loans incl. mortgage

Rate your APR

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

APR Calculator

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