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3.8 9 reviews

744 Main St, West Warwick, RI 02893, USA
+1 (401) 397-1900
oceanstatecu.org
Tuesday
7AM–12AM
Wednesday
7AM–12AM
Thursday
7AM–12AM
Friday
7AM–12AM
Saturday
7AM–12AM
Sunday
(Easter)
8AM–12AM
Hours might differ
Monday
7AM–12AM

Domain Info

Created Date

Mailing Address

Company Name

Contact Data

Feedback about Ocean State Credit Union?

Here you get acquainted with the reviews of our clients.

Great small local bank! if that is what you like then you will love this bank!

Alverta Robel

Always a problem with using the ATM away because "account not available".

Mrs. Ruth Stoltenberg II

They have long hours and the supervisory staff is exceptionally competent.

Ms. Ima Rogahn IV

Do not come to this place.

Miss Justine Quitzon II

Pay Attention

Above there are details about a exact lending company. Below every user may get acquainted with the common features of payday loans.

Payday Loans in West Warwick, Rhode Island

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

Such financial products as payday loan in West Warwick, Rhode Island is issued simply and quickly for a short term: 2-3 weeks. The interest rates are established on an individual basis relative to the person-related data: the more loans you pay back off, the more favorable rates a borrower will get.

APR

261%*

Max Loan

$500

Min Term

13 days

Max Term

Not Specified

How will Ocean State Credit Union help take out a loan in West Warwick, Rhode Island?

  • 24/7 service. Such online services allow you to credit funds at any time. Funds are issued around the clock. The payday loan will be sent to a bank account, so a personal visit to the office 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 out and considered much faster than in banks. Money is deposited within 24 hours after receiving approval.
  • High approval rate. When it comes to small amounts, a positive answer comes up 98%.
  • Availability. Banks impose more stringent requirements on their borrowers. Age restrictions and bad credit will become barriers to taking out a loan. Lenders are more loyal to borrowers. The presence of minor delays and a low score does not guarantee denial.

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

To leave an application, every borrower 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 a borrower should submit an application to get an offer from one of payday 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

If you are denied a loan at bank, the reason may be a bad credit history. This is a factor taken into account when deciding to take out a cash advance. Payday lenders do not consider this factor the only one to take out a loan in West Warwick, Rhode Island. The company will estimate many points to qualify such as payment abilities. Cash advance will be a way to improve your bad credit score into a favorable one.

The following general points will be estimated before applying for a payday 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

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

This calculator is intended to calculating the APR. This is a exact cost of the loan.

APR Calculator

Other Payday Lenders in West Warwick, Rhode Island

Westerly Community Credit Union

64 Kingstown Rd, Wyoming, RI 02898, USA

+1 (401) 596-7000

www.westerlyccu.com

BayCoast Bank

601 Hope St, Bristol, RI 02809, USA

+1 (508) 678-7641

baycoastbank.com

Pawtucket Credit Union

40 Sockanosset Cross Rd, Cranston, RI 02920, USA

+1 (401) 722-2212

www.pcu.org

Edmund Brock - Ameriprise Financial Services, LLC

24 Salt Pond Rd STE A6, Wakefield, RI 02879, USA

+1 (401) 788-0106

www.ameripriseadvisors.com

Navigant Credit Union

693 Broad St, Central Falls, RI 02863, USA

+1 (401) 233-4700

www.navigantcu.org

Atlantic Home Loans

615 Jefferson Blvd Ste 205B, Warwick, RI 02886, USA

+1 (401) 739-5363

atlantichomeloans.com

Citizens One Home Loans - Maria Laborio

480 Jefferson Blvd, Warwick, RI 02886, USA

+1 (401) 248-6382

HarborOne Bank

200 Comstock Pkwy, Cranston, RI 02921, USA

+1 (401) 223-1790

www.harborone.com

Bank of America ATM

54 Sayles Ave, Pascoag, RI 02859, USA

+1 (844) 401-8500

locators.bankofamerica.com

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