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What people think about 1st Capital Bank?
Below you get acquainted with some of the testimonials of our clients.
1st Capital Bank rescued me in a desperate time. They approved me for a loan although I had credit issues. The process was easy and fast. I wanna say thanks for their exceptional customer support service and reasonable rates. I will surely recommend this website to my family and friends.
Cortney Rath DVM
I am a loyal customer of 1st Capital Bank. It is very simple to apply via the net. The APR was reasonable. Their representatives always respond quickly.
Margot Sawayn III
They only ask for an ID to get accepted. Last week I was broke and needed extra funds to hold on. These guys approved me although I had a bad credit score. Fast and safe process. Very satisfied!
Prof. Kayley Mitchell
Pay Attention
The previous three items charactirize a specific financial institution. But below you can read general data about payday loans.
Payday Loans in Salinas, California
A payday loan is a short-term, small loan ($100 - $1,000) that you repay once you receive your next paycheck, typically two to four weeks.
Payday loans may become an easy and speedy solution to a short-term problem in Salinas, California. Loans from payday lenders can get you money same day. Your APR will depend on a few things.
APR
460%* (369% on the average in 2019)
Max Loan
$300
Min Term
Not Specified
Max Term
31 days
Why people take out cash advances?
70%
Car expenses50%
Treatment40%
Vacation30%
Clothes30%
Home improvement
Payday loans for bad credit
A low credit score doesn't have to prevent you from applying for payday loans. They are one of the few unsecured loan products offered to clients with a bad credit history. Payday loan approvals depend very much on specific factors. Lenders will pay attention to your earnings and subtract all your expenses. Usually, your score won’t be ruined by a payday loan, as long as you repay it in full and as agreed in the contract.
To get approved for a loan, you must comply with the following requirements:
- be 18 years old or older;
- be a U.S. citizen or permanent resident;
- be employed and have a steady income;
- have a valid checking account in your name;
- have an email address and phone number.
Rate Your Credit Score
300
579
- No ability to get a loan
- No ability to rent a room
670
739
- 80% of loan approval
- Apply for all loan types
740
799
- 95% of loan approval
- Apply for all loans including mortgage
Rate your APR
If you want to learn the real annual percentage rate of the loan before applying, you can use the online calculator. It will help you determine the real cost of the cash advance loan in a few minutes.
APR Calculator
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