Mechanics Bank - Napa Branch Payday Loans Review

4 2 reviews

Organization owner?

700 Trancas St, Napa, CA 94558, USA

+1 (707) 227-9300

www.mechanicsbank.com

Thursday

9AM–5PM

Friday

9AM–6PM

Saturday

Closed

Sunday

Closed

Monday

9AM–5PM

Tuesday

9AM–5PM

Wednesday

9AM–5PM

Domain Info

Created Date

2000-11-17

Mailing Address

REDACTED FOR PRIVACY, REDACTED FOR PRIVACY, CA, REDACTED FOR PRIVACY, United States

Company Name

REDACTED FOR PRIVACY

Contact Data

REDACTED FOR PRIVACY

Feedback about Mechanics Bank - Napa Branch?

Here you grapple with the reviews of our clients.

Thanks to Mechanics Bank - Napa Branch for helping out when money is urgently required. I have been applying to this service for amost one year and everything is always honest, without hidden commissions.

Mona Waters

I have a problem with paying back a loan at another bank. It is inconvenient to borrow from relativies. Therefore, I decided to contact Mechanics Bank - Napa Branch. They really helped out.

Miss Raina Hammes

I issued a cash advance when I had problems with money. There was no other way out. I looked out this website on the Internet, among others. Has applied several services. One refused, the other issued at too high a rate, but here it was approved as I wanted.

Karli Orn

Thanks to the team of Mechanics Bank - Napa Branch. Quick solution of the arisen problems, quick decision on the cash advance. I definitely recommend this company.

Prof. Torrance Corwin III

Not the first time I use Mechanics Bank - Napa Branch. The service is reliable. They immediately inform how much you should pay off. No cheating. You can always renew the loan. It helps out a lot when funds is urgently needed.

Dr. Gianni Goodwin IV

Pay Attention

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

Payday Loans in Napa, California

According to the definiftion, a payday loan is a loan taken out for a short term: 2-3 weeks. A small loan is approved: $100-$1,000.

Payday loans in Napa, California are taken out hassle-free. The interest rate is dependent on the borrower's person-related information: if you pay off more payday loans, the more reasobanle terms and rates lenders offer.

APR

460%* (369% on the average in 2019)

Max Loan

$300

Min Term

Not Specified

Max Term

31 days

How will Mechanics Bank - Napa Branch help take out a loan in Napa, California?

24/7 service. Such Internet services allow you to receive funds at any time. Money are issued around the clock. The payday loan will be sent to a account, so a personal visit to the office is not necessary.
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 out and processed much faster than in banks. Money is deposited in a mtter of 24 hours after receiving approval.
High approval rate. When it relates to small amounts, a positive answer comes up 98%.
Availability. Banks impose more stringent requirements on their borrowers. Age restrictions and bad credit will become barriers to issuing a loan. Lenders are more loyal to clients. The presence of minor delays and a low score does not guarantee rejection.

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

To submit an application, every client 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

Then you have to submit an application and get a deal.

Why people issue 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

A adverse factor reviewed by financial institutions is known as bad credit history. But this drawback is not implied as the only one by payday lenders to take out a loan. The lender review many aspects such as financial solvency to approve the application. Cash advance in Napa, California may help enhance your credit history.

The following general points will be rated 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.

Rate Your Credit Score

Low

Low Rate

300

Lower than Average

579

No way to issue a loan
No ability to rent a room

Average

Average Rate

670

High Rate

739

80% of loan approval
Apply for all loan types

Perfect

Great Score

740

Perfect Score

799

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

Rate your APR

If you need to find out the annual percentage rate of the loan, you are welcome to apply the calculator. It will specify the cost of the payday loan.

APR Calculator

Other Payday Lenders in Napa, California