First Heritage Credit Lake Payday Loans Review

Organization owner?

1411 W Prien Lake Rd, Lake Charles, LA 70601, USA

+1 (337) 478-2955

Feedback about First Heritage Credit Lake?

Here you read the feedback of our clients.

I often issue a payday loan to a card in First Heritage Credit Lake. It is very convenient. If you give it back quickly, the percentage is reasonable. Employees politely and intelligibly explain all the nuances.

Alexandrine Wunsch

Good service with a reasonable percentage. Money transferred immediately, I always use First Heritage Credit Lake.

Jerrold Bashirian

I submit an application quite often. I am pleased with the terms. There is online 24/7 service.

Emily Tremblay DVM

Pay Attention

The first three points show the certain lending company. In other turn, below-specified info makes users grapple with common information about payday loans.

Payday Loans in Lake Charles, Louisiana

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

It is simple and quick to issue loans in Lake Charles, Louisiana. The rates are set on an individual basis: if a client repays as much payday loans as possible, he will be offered one of the most efficinet terms and rates.

APR

391%*

Max Loan

$350

Min Term

Not Specified

Max Term

30 days

How will First Heritage Credit Lake help take out a payday loan in Lake Charles, Louisiana?

24/7 service. Such Internet services allow you to deposit funds at any time. Money are taken out around the clock. The payday loan will be sent to a account, so a personal visit to the office is not required.
No paperwork. The list of required papers 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 out and considered 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 decision comes up 98%.
Availability. Banks provide loans at more stringent requirements on their customers. Age restrictions and bad credit will become barriers to taking out a loan. Lenders are more loyal to borrowers. The presence of minor delays and a low score does not guarantee denial.

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

To submit an application, every customer should fill out 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 a customer should submit an application to get a proposal from one of payday lenders.

Why people take out payday loans?

70%

Utility Bills

80%

Healthcare Bills

60%

Traveling

20%

Car Repair

30%

Clothes

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

One of the reason of denial for a loan is a bad credit history. This factor is estimated by lenders before taking out a loan. But banks almost 100% refuse the request when lenders in Lake Charles, la will assess other aspects like financial capabilities and approve a payday loan. This is a way to enhance your credit rating.

The following general points will be rated 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

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

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

APR Calculator

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