Welcome to Our Online Loan Referral Service

5 reviews

616 Main St, Melrose, MA 02176, USA
+1 (781) 662-7276
www.smefcu.org
Wednesday
Closed
Thursday
9–11:30AM, 12–4:30PM
Friday
9–11:30AM, 12–4:30PM
Saturday
Closed
Sunday
Closed
Monday
(Patriots' Day)
Closed
Tuesday
Closed

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Feedback about Stoneham ME Federal Credit Union - Melrose?

Here you see the feedback of our customers.

Great cash checking service

Celestine Harvey

Guys useless dont waste your time with this place.

Rosetta Crona

Good prices on merchandise.

Lawson Brakus

Pay Attention

Above-specified info provides the details about a certain lender. Below-specified info is oriented on shared information about payday loans.

Payday Loans in Melrose, New York

The financial product known as a payday loan is issued for a short-lasting period: 2-3 weeks. $100-$1,000 is issued for clients.

Payday loans in Melrose, New York are taken out easily. The interest percentage is dependent on the customer's personal data: if you pay off more payday loans, the more favorable terms and rates lenders guarantee.

APR

25% small loan cap

How will Stoneham ME Federal Credit Union - Melrose help issue a loan in Melrose, New York?

  • Round the clock service. Every client may address the service at any time of the day and night. The borrowed money will be deposited to bank account. You won't be asked to attend any store.
  • No certificates necessary. The list of certificates to be approved is minimum. You need only an ID. A income certificate is not required.
  • Online application. You have to fill in an online application only. It will be considered in a matter of minutes. The funds are credited in 24 business hours.
  • Fast and high approval rate. The positive answer counts almost 98%.
  • Accessibility. Not all customers are able to take out a loan at banks. Age and bad credit may prevent from taking out a loan. Minor delays and low credit rating won't be an obstacle to take out a loan from online lenders.

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

To submit an application, every customer should fill in 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 recieve an offer.

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

If you are declined a loan at bank, the cause may be a bad credit history. This is a factor processed when deciding to take out a loan. Lenders do not consider this factor the only one to take out a loan in Melrose, New York. The company will assess many points to qualify such as financial capabilities. Cash advance will be a source to enhance your bad credit score into a favorable one.

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

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

APR Calculator

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