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4 6 reviews

2835 W Michigan St, Sidney, OH 45365, USA
+1 (937) 498-2320

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Feedback about Universal 1 Credit Union?

Here you get acquainted with the reviews of our clients.

Nice location for the business on the go

Lane Corwin

Nice and helpful staff

Rowland Harvey Sr.

Awesome place to get taxes done and get hoilday loans .. highly recommended anyone to come here

Hilma Kunde

Excellent company, great staff!

Eugene Hauck

Amazing people and great customer service

Princess Schiller

The ladys here are always awsome

Prof. Sage Bayer MD

Knowledgeable staff when it comes to doing your taxes.

Daphney Schultz

Would give no stars if I could've

Rosalind Padberg

These people are awesome I love this place great people great cars great prices

Cyrus Hamill

Best car dealership in town only because of the Manager Kim.

Miss Lempi Baumbach

Great place friendly staff

Ansel Rippin

The most outstanding mortgage service to date!

Austen Rempel

When I made my mortgage payment online, I screwed up my bank account info.

Peyton Bayer

Excellent customer service.

Adela Willms

Was charged $319 for fed tax prep that a week later I still have not received.

Prof. Vida Flatley

I’d give this place a zero if I could

Pinkie Armstrong IV

Pay Attention

Lending companies are shown in the first three points. Below info specifies general information about payday loans.

Payday Loans in Sidney, New York

A short-term loan is considered as a payday loan. This is a type of a financial product issued for several weeks. Accessible loan amounts vary from $100-$1,000.

Such financial products as payday loan in Sidney, New York is taken out easily and fast for a short period: 2-3 weeks. The interest rates are set 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.


25% small loan cap

How will Universal 1 Credit Union help issue a payday loan in Sidney, New York?

  • 24/7 operation. Such online services allow you to credit funds at any time. Funds are taken out 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 sufficient. You do not need to send a certificate of income.
  • Online application. The application is filled in and reviewed much faster than in banks. Money is transferred in a mtter of 24 hours after receiving approval.
  • High approval level. When it concerns to small amounts, a positive answer comes up 98%.
  • Availability. Banks offer more stringent requirements on their borrowers. Age limits and bad credit will become barriers to issuing a loan. Lenders are more loyal to customers. The presence of minor delays and a low score does not guarantee rejection.

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

To submit 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

Then press a Submit button to recieve an offer from one of the lenders.

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. Lenders in Sidney, ny review this circumstance not a drawback to take out a loan. The borrower of a payday loan should be prepared to objectively assess financial capabilities, issue a loan, repay the debt on schedule and not only handle current issues, but improve the credit score.

The following common points will be estimated 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 clarifies the cost of the loan known as APR.

APR Calculator

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