Ridgewood Savings Bank Payday Loans Review

3.3 4 reviews

Organization owner?

1646 1st Avenue, New York, NY 10028, USA

+1 (212) 348-2200

branches.ridgewoodbank.com

Wednesday

8:30AM–5PM

Thursday

8:30AM–7PM

Friday

8:30AM–5PM

Saturday

8:30AM–2PM

Sunday

Closed

Monday

8:30AM–5PM

Tuesday

8:30AM–5PM

Domain Info

Created Date

1996-06-22

Mailing Address

NY, United States

Company Name

Ridgewood Savings Bank

Contact Data

Feedback about Ridgewood Savings Bank?

Here you grapple with the reviews of our clients.

I issued only $100, and they promised the first customers get 0%, the money was deposited quickly. When I looked at the agreement, it turned out that the overpayment would be 100%. In general, I do not recommend this service, huge overpayment.

Prof. Sigrid Fay

I issued a loan from Ridgewood Savings Bank 2 times. Paid back successfully, and wanted to issue more, but they approved a smaller loan.

Rafael Shanahan I

I issued payday loan from Ridgewood Savings Bank 2 times. Paid back successfully, and wanted to issue more, but they approved a smaller amount.

Wellington O'Reilly

Pay Attention

Above-defined info provides the details about a exact lender. Below-defined info is devoted to general information about payday loans.

Payday Loans in New York, New York

A short-term lending option is considered as a payday loan. This is a kind of a financial product taken out for 2,3 weeks. Accessible loan amounts vary from $100-$1,000.

Such financial products as payday loan in New York, New York is taken out easily and fast for a short time span: 2-3 weeks. The interest rates are established on an individual basis depending on the person-related data: the more loans you pay back off, the more reasonable rates a client will recieve.

APR

25% small loan cap

How will Ridgewood Savings Bank help take out a payday loan in New York, New York?

24/7 operation. Such online services allow you to get funds at any time. Money are issued day and night. The transfer will be sent to a credit card, so a personal visit to the office is not necessary.
No paperwork. The list of required certificates is minimal. In most cases, an ID is sufficient. You do not need to send 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 impose more stringent requirements on their borrowers. Age limits and bad credit will become barriers to taking out a loan. 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 submit an application, every borrower should enter 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

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

Why people take out 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

One of the cause of denial for a loan is a bad credit history. This factor is considered by banks before issuing a loan. But banks almost 100% refuse the request when lenders in New York, ny will assess other aspects like payment abilities and approve a cash advance. This is a way to improve your credit history.

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

If you need to calculate the APR of the payday loan, you are welcome to utilize the calculator. It will define the cost of the payday loan.

APR Calculator

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