Welcome to Our Online Loan Referral Service

5 reviews

200 Clock Tower Pl suite a-100, Carmel-By-The-Sea, CA 93923, USA
+1 (877) 271-4212
kalfinancial.com
Thursday
9AM–5PM
Friday
9AM–5PM
Saturday
Closed
Sunday
Closed
Monday
9AM–6PM
Tuesday
9AM–5PM
Wednesday
9AM–5PM

Domain Info

Created Date

2009-01-09

Mailing Address

California, United States

Company Name

KAL Financial

KAL Financial

Contact Data

Feedback about Kal Financial?

Here you see the reviews of our clients.

Daily spam! I do not have time to block the numbers, so the next day they call from another number.

Brock Bode

Daily spam! I do not have time to block the numbers, so the next day they call from another number.

Mr. Brook Jacobi III

Pay Attention

Above there are details about a exact lender. Below every reader may get acquainted with the common features of payday loans.

Payday Loans in Carmel, New York

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

It is easy and fast to take out payday loans in Carmel, New York. The rates are set on an individual basis: if a client repays as much loans as possible, she will be offered one of the most favorable terms and rates.

APR

25% small loan cap

How will Kal Financial help take out a payday loan in Carmel, New York?

  • 24/7 operation. Such Internet services allow you to receive funds at any time. Funds are taken out around the clock. The deposit will be sent to a bank account, so a personal visit to the office is not required.
  • No paperwork. The list of required documentation 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 out and reviewed much faster than in banks. Money is transferred within 24 hours after receiving approval.
  • High approval rate. When it comes to small amounts, a positive answer comes up 98%.
  • Availability. Banks impose more stringent requirements on their customers. Age limits and bad credit will become barriers to issuing a loan. Lenders are more loyal to borrowers. The presence of minor delays and a low credit rating does not guarantee denial.

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

To submit an application, every borrower should enter 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 out an application, submit it and recieve the decision.

Why people take out payday loans?

70%

Utility Bills

80%

Healthcare Bills

60%

Traveling

20%

Car Repair

30%

Clothes

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

One of the cause of refusal for a loan is a bad credit history. This factor is considered by microfinance organizations before issuing a loan. But banks almost 100% deny the request when lenders in Carmel, ny will estimate other aspects like financial capabilities and approve a cash advance. This is a way to enhance your credit rating.

The following common 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 calculator clarifies the cost of the loan known as annual percentage rate.

APR Calculator

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