Welcome to Our Online Loan Referral Service

4.8 5 reviews

908-C US Hwy 72 W, Athens, AL 35611, USA
7 years in business
+1 (256) 233-4048
www.firstsouthernfinancial.com
Saturday
Closed
Sunday
Closed
Monday
8AM–5PM
Tuesday
8AM–5PM
Wednesday
8AM–5PM
Thursday
8AM–5PM
Friday
8AM–5PM

Domain Info

Created Date

2015-11-16

Mailing Address

Alabama, United States

Company Name

First Southern Financial

First Southern Financial

Contact Data

Feedback about First Southern Financial?

Here you grapple with the reviews of our customers.

The people here are amazing!

Prof. Mike Huels

They do not accept SOME prepaid debit cards.

Glenna Kuhlman

The staff are friendly and happy to help you with any of your banking needs.

Amelia Toy II

You can mail a check, but they never check their mail and will happily fine you.

Jacynthe Feil III

Great business nice friendly people.

Faustino Hyatt

Pay Attention

The first three points describe the certain lending company. In other turn, below-shown info makes people grapple with general information about payday loans.

Payday Loans in Athens, New York

According to the definiftion, a payday loan is a lending option issued for a short period: 2-3 weeks. A small loan is approved: $100-$1,000.

Such financial products as payday loan in Athens, New York is issued easily and fast for a short term: 2-3 weeks. The interest rates are established on an individual basis concerning on the personal data: the more payday loans you pay back off, the more favorable rates you will get.

APR

25% small loan cap

How will First Southern Financial help issue a loan in Athens, New York?

  • 24/7 service. Such Internet services allow you to get funds at any time. Funds are taken out around the clock. The payday loan will be sent to a account, so a personal visit to the store is not required.
  • No paperwork. The list of required documents is minimal. In most cases, an ID is sufficient. You do not need to provide a certificate of income.
  • Online application. The application is filled in and processed much faster than in banks. Money is deposited within 24 hours after receiving approval.
  • High approval level. When it relates to small amounts, a positive answer comes up 98%.
  • Availability. Banks impose more stringent requirements on their customers. Age restrictions and bad credit will become barriers to issuing a loan. Payday lenders are more loyal to clients. The presence of minor delays and a bad credit does not guarantee denial.

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

To leave an application, every customer 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

Then you have to press a Submit button 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

Bad credit history if one of causes to deny the loan. Microfinance organizations do not consider this factor the only one to issue a loan in Athens, New York. They estmate many other factors before taking out a payday loan. One of them is solvency. This is a way to enhance your credit rating.

The following general points will be assessed before applying for a 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

If you need to know the annual percentage rate of the payday loan, you are welcome to use the calculator. It will determine the cost of the cash advance.

APR Calculator

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