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5 reviews

40 Pine St, Stoneham, MA 02180, USA
+1 (781) 438-3959
smefcu.org
Wednesday
9AM–3PM
Thursday
9AM–4:30PM
Friday
9AM–4:30PM
Saturday
Closed
Sunday
Closed
Monday
(Patriots' Day)
9AM–4:30PM
Hours might differ
Tuesday
8:30AM–4:30PM

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Feedback about Stoneham me Federal Credit Union?

Here you see the reviews of our customers.

I took the first payday loan, I was approved in a matter of minutes, despite the fact that I had an overdue loan at the bank. I paid it off on time, but there was an opportunity to extend the payment and return the payday loan in parts. Immediately after repaying the old one, you can issue a new one, the offered amount increases every time.

Quentin Braun DDS

Stoneham me Federal Credit Union is quite reliable, I will explain: the first loan, the limit is increased gradually. It is subject to repayment on due date. The managers in those customer care are adequate, they gave clear answers to my questions. There were no delays. And the rate is like everywhere else.

Jonathon Corkery

Pay Attention

Above-shown info provides the details about a definite lending company. Below-specified info is oriented on general information about payday loans.

Payday Loans in Stoneham, Massachusetts

Payday loans are a type of loans taken out by payday lender to people for a short period of time - usually several weeks. It is issued a small amount: $100-$1,000.

Payday loans in Stoneham, Massachusetts are issued hassle-free. The interest rate is dependent on the client's personal information: if you pay back more payday loans, the more favorable terms and rates payday lending companies offer.

APR

23% small loan cap

How will Stoneham me Federal Credit Union help issue a loan in Stoneham, Massachusetts?

  • 24/7 operation. Such Internet services allow you to get funds at any time. Funds are taken out day and night. The payday loan will be sent to a credit card, so a personal visit to the department is not required.
  • No paperwork. The list of required documentation 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 deposited in a mtter of 24 hours after receiving approval.
  • High approval level. When it relates to small amounts, a positive decision comes up 98%.
  • Availability. Banks impose more stringent requirements on their clients. Age limits and bad credit will become barriers to issuing a loan. Lenders are more loyal to clients. 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 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

After filling out an application, submit it and get the offer.

Why people issue 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

Bad credit history is a negative factor that is processed by financial institutions. Microfinance organizations in Stoneham, ma consider this circumstance not a hindrence to take out a loan. The customer of a loan should be ready to objectively estimate financial capabilities, issue a loan, pay off the debt on time and not only resolve current issues, but improve the credit history.

The following general points will be assessed before applying for a cash advance:

  • 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

The calculator defines the cost of the payday loan known as annual percentage rate.

APR Calculator

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Credit Union of the Berkshires

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Merrimack Valley Credit Union

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Middlesex Savings Bank

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BayCoast Bank

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HarborOne Bank

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Middlesex Savings Bank

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