Welcome to Our Online Loan Referral Service

4.2 5 reviews

218 Prescott Ave, Elmira, NY 14903, USA
+1 (607) 936-4667
www.fhfcu.org
Thursday
8AM–5:30PM
Friday
8AM–5:30PM
Saturday
Closed
Sunday
(Easter)
Closed
Monday
8AM–4:30PM
Tuesday
8AM–4:30PM
Wednesday
8AM–4:30PM

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Feedback about First Heritage Federal Credit Union?

Here you read the reviews of our clients.

Love the people who waited on us and for a Friday it was fast

Prof. Fred Boyle

Phone lines were shut off at 11:30 am.

Hallie Wiza

Pay Attention

Payday lenders are described in the first three points. Below info shows general information about payday loans.

Payday Loans in Elmira, New York

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

Such financial products as payday loan in Elmira, New York is issued simply 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 payday loans you pay back off, the more favorable rates a borrower will recieve.

APR

25% small loan cap

How will First Heritage Federal Credit Union help take out a loan in Elmira, New York?

  • 24/7 operation. Such online services allow you to credit funds at any time. Funds are issued around the clock. The transfer will be sent to a credit card, so a personal visit to the store is not required.
  • No paperwork. The list of required documentation is minimal. In most cases, an ID is needed. You do not need to provide a certificate of income.
  • Online application. The application is filled out and processed much faster than in banks. Money is deposited within 24 hours after receiving approval.
  • High approval level. When it comes to small amounts, a positive answer comes up 98%.
  • Availability. Banks provide loans at more stringent requirements on their borrowers. Age limits and bad credit will become barriers to issuing a loan. Payday lenders are more loyal to borrowers. The presence of minor delays and a low score does not guarantee rejection.

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

To leave an application, every client 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

Submit an application to get terms and rates for an offer from one of lenders.

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 refuse the loan. Payday lenders do not consider this factor the only one to take out a loan in Elmira, New York. They assess many other factors before issuing a loan. One of them is solvency. This is a way to enhance your credit rating.

The following common points will be rated 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

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

APR Calculator

Other Payday Lenders in Elmira, New York

Entrust Cash Advance

347 5th Ave, New York, NY 10016, USA

+1 (877) 760-9226

www.entrustcashadvance.com

OneMain Financial

1400 Altamont Ave, Schenectady, NY 12303, USA

+1 (518) 357-9761

www.onemainfinancial.com

Farm Credit East

25417 NY-12, Watertown, NY 13601, USA

+1 (800) 626-3276

www.farmcrediteast.com

Citizens Bank Supermarket Branch

1000 Portage Rd, Niagara Falls, NY 14301, USA

+1 (716) 282-4700

locations.citizensbank.com

NBT Bank of Cortland

819 Bennie Rd, Cortland, NY 13045, USA

+1 (607) 753-3391

www.nbtbank.com

CFCU Community Credit Union - Tops Plaza Waterloo Branch

1959 US-20, Waterloo, NY 13165, USA

+1 (607) 257-8500

www.mycfcu.com

Silicon Valley Bank

387 Park Ave S 2nd Floor, New York, NY 10016, USA

+1 (212) 821-8972

www.svb.com

Hard Money Lenders Buffalo NY

210 Summer St, Buffalo, NY 14222, USA

+1 (716) 427-0333

hardmoneylendersbuffalony.business.site

WNY Check Cashing Services

675 N Fillmore Ave, Buffalo, NY 14212, USA

+1 (716) 893-4193

www.wnycheckservices.com

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