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3.9 11 reviews

4801 Little Savannah Rd, Cullowhee, NC 28723, USA
+1 (828) 293-2139
(Good Friday)
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Feedback about State Employees’ Credit Union?

Here you grapple with the reviews of our customers.

Very forgiving when you don't have all the right paperwork.

Zane Stiedemann

Helpful tellers and a multi-lane well-staffed drive-through.

Dr. Alexandrine Collier

The reception is a rude woman.

Russell Simonis

Pay Attention

The first three points show the certain lender. In other turn, below-defined info makes users get acquainted shared information about payday loans.

Payday Loans in Cullowhee, North Carolina

According to the definiftion, a payday loan is a lending option issued for a short time span: 2-3 weeks. A small loan is taken out: $100-$1,000.

Such financial products as payday loan in Cullowhee, North Carolina is taken out easily and fast for a short term: 2-3 weeks. The interest rates are set on an individual basis depending on the personal data: the more cash advance you pay back off, the more reasonable rates a customer will get.


36% APR small loan cap

How will State Employees’ Credit Union help take out a loan in Cullowhee, North Carolina?

  • Day and night service. Night hours are the same working for online lenders. You should not visit the chosen payday lender offline. The funds will be transferred to your card.
  • No certificates. It is necessary to meet the minimum list of certificates. An ID is one document to have. There is no obligation to send an income certificate.
  • Online application. Submit an online form with person-related data. It will take some minutes to consider the form. The money are transferred in 24 business hours.
  • The approval level is high. Almost 98% of positive decisions are made.
  • Affordability. If you address a bank for a loan, you won't be sure it will be approved. There are many limits set by banks. Payday lenders do not pay attention to minor delays and bad credit. You may take out a loan fast and efficient.

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

To submit an application, every client 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 get a decision.

Why people issue payday loans?


Utility Bills


Healthcare Bills




Car Repair



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

Bad credit history is a negative factor that is reviewed by financial institutions. Microfinance organizations in Cullowhee, nc consider this circumstance not a drawback to take out a loan. The borrower of a cash advance should be ready to objectively estimate financial abilities, issue a loan, repay the debt on a due date and not only resolve current issues, but improve the 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 Rate


Lower than Average


  • No way to issue a loan
  • No ability to rent a room
Average Rate


High Rate


  • 80% of loan approval
  • Apply for all loan types
Great Score


Perfect Score


  • 95% of loan approval
  • Apply for all loans incl. mortgage

Rate your APR

The calculator shows the cost of the payday loan known as APR.

APR Calculator

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