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3.3 7 reviews

418 W Fir St, Shelley, ID 83274, USA
+1 (800) 727-9961
eastidahocu.org

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Feedback about East Idaho Credit Union?

Here you read the reviews of our customers.

Yesterday I needed money, I decided to addressed East Idaho Credit Union. They quickly approved the amount needed, and besides, they offered good terms at a low interest rate.

Vernie Pfannerstill Jr.

Not the first time I use East Idaho Credit Union. The service is fair. They immediately inform how much you should pay back. No cheating. You can always extend the loan. It helps a lot when cash is urgently needed.

Jerrold Kutch III

East Idaho Credit Union seemed to me the fair. At least no insurance and extra charges. There are no discounts for regular customers. When paying off a debt, a transfer fee is not taken, although this is a bonus.

Chanel Hessel V

Pay Attention

Above-specified info offers the details about a definite lending company. Below-defined info is devoted to general information about payday loans.

Payday Loans in Shelley, Idaho

Payday loan is taken out for a short period: 2-3 weeks. The offered loan amounts are $100-$1,000.

Such financial products as payday loan in Shelley, Idaho is taken out easily and quickly for a short term: 2-3 weeks. The interest rates are set on an individual basis relative to the personal data: the more loans you pay back off, the more favorable rates a client will recieve.

APR

652%*

Max Loan

$1,000 (or 25% of gross monthly income)

Min Term

Not Specified

Max Term

Not Specified

How will East Idaho Credit Union help take out a loan in Shelley, Idaho?

  • Day and night service. Night hours are the same business hours for online payday lenders. You should not visit the chosen lender offline. The funds will be transferred to your bank account.
  • 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 form with customer data. It will take some minutes to process the form. The money are deposited in 24 business hours.
  • The approval level is high. Almost 98% of positive decisions are made.
  • Affordability. If you contact 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 in in the application? - General Info

To submit an application, every borrower 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 out in the application? - General Info

One of the reason of refusal for a loan is a bad credit history. This factor is considered by lenders before issuing a loan. But banks almost 100% refuse the application when lenders in Shelley, id will estimate other aspects like payment abilities and approve a payday loan. This is a way to enhance your credit rating.

The following common points will be estimated 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

This calculator is meant for calculating the annual percentage rate. This is a real cost of the payday loan.

APR Calculator

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Horizon Credit Union

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WaFd Bank

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