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4.6 10 reviews

1101 E McCart St, Krum, TX 76249, USA
+1 (940) 482-6882
www.independent-bank.com
Monday
9AM–12PM
Tuesday
9AM–12PM
Wednesday
9AM–12PM
Thursday
9AM–12PM
Friday
9AM–12PM
Saturday
Closed
Sunday
Closed

Domain Info

Created Date

2000-03-07

Mailing Address

Company Name

Contact Data

Feedback about Independent Bank is now Independent Financial?

Here you grapple with the reviews of our customers.

Highly recommend them for all your banking and loan needs.

Adah Daugherty DDS

They treat you like they are a neighborhood bank even though they are big!

Bud Smith I

Great people good service and relax environment 5 star

Lenora Lubowitz III

This place will rip you off if you have any return coming.

Hilma Yost IV

They did awsome on my taxes will go back to them next year

Alba Spencer

Pay Attention

The first three points describe the certain lender. In other turn, below-defined info makes readers grapple with general information about payday loans.

Payday Loans in Krum, Texas

Payday loan is taken out for a short period: 2-3 weeks. The provided loan amounts are $100-$1,000.

Such financial products as payday loan in Krum, Texas is issued easily and fast for a short period: 2-3 weeks. The interest rates are set on an individual basis depending on the personal data: the more payday loans you pay back off, the more reasonable rates a client will recieve.

APR

can exceed 400%

Max Loan

Not Specified (on average $800)

Min Term

7 days

Max Term

180 days

How will Independent Bank is now Independent Financial help issue a payday loan in Krum, Texas?

  • 24/7 operation. Such online services allow you to get funds at any time. Funds are taken out day and night. The deposit will be sent to a card, so a personal visit to the office is not required.
  • No paperwork. The list of required documents 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 credited 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 issuing a loan. Lenders are more loyal to clients. 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 borrower 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 you have to press a Submit button and get a deal.

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 declined 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 loan. Payday lenders do not consider this factor the only one to take out a loan in Krum, Texas. The company will assess many points to qualify such as solvency. Payday loans will be a way to enhance your bad credit score into a favorable one.

The following general points will be assessed 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

The calculator defines the cost of the payday loan known as annual percentage rate.

APR Calculator

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