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Advance Pay brought to you by One Nevada Credit Union, pay advance loans.#Pay #advance #loans


Short term loans. Low rates. No application fees.

You can get the cash you need before payday with an Advance Pay from One Nevada Credit Union! It’s a more affordable option than your typical payday lender. You can borrow up to $1,500, for up to two weeks, for less than other payday lenders.

Pay advance loans

(with direct deposit)

Frequently Asked Questions

Q. How does an Advance Pay differ from a payday loan?

A. No outrageous fees, easy to complete application, fast approval and immediate access to funds.

Q. What are the requirements for approval?

A. You must have a valid One Nevada Credit Union account that is in good standing, valid employment (current pay check stub) and no adverse pay history with any payday lenders. If you’re not a member, you can join today!

Advance Pay

Finance Charge Schedule

NOTICE OF RIGHT TO CONTACT THE OFFICE OF THE COMMISSIONER OF FINANCIAL INSTITUTIONS REGARDING CONCERNS OR COMPLAINTS. TOLL-FREE IN NEVADA (866) 858-8951.

Finance charge and APR calculated based on a 14-day term.

IMPORTANT FACTS TO CONSIDER BEFORE YOU BORROW

How Payday Loans Work: Payday loans are short-term cash loans usually secured by the borrower’s post-dated personal check. We do not require a post-dated check. Loan payment is deducted directly from your account.

Payday Loan Terms: Loan amounts generally range in amounts from $100 to $1,000. Average loan term is two weeks. Rates average 470% annual percentage rate (APR). For example, to borrow $100 for two weeks, the finance charges range from $15 to $30, is 390% to 780% APR. Our lower than average APRs and finance charges are shown above.

Two-Week Due Date: Payday loans usually have a two-week due date. If you receive income only once a month, you may need to extend your loan two or even three times incurring additional fees before receiving your monthly check to pay off the loan. This could make your loan very expensive. A different kind of loan might be better for you. Take advantage of our free financial counseling explained on the next page.

Debt Traps: Payday loans often trap consumers in repeat borrowing cycles due to the high costs and very short repayment terms. Borrowers average 8-13 payday loans per year from a single lender. Nearly 60% of all payday loans are either same-day renewals or new loans taken out immediately after paying off the prior loan. This means that over time, payday loan fees often exceed the original loan amount. Don’t get caught in the debt trap. Take advantage of free financial counseling explained below.

IMPORTANT DISCLOSURES FOR ACTIVE MEMBERS OF THE MILITARY AND THEIR DEPENDENTS:

The following applies to members of the military and their dependents if: (a) at the time your loan is made, you are an active member of the military or you are a dependent of an active member of the military (as those terms are defined in the Military Lending Act, 10 U.S.C. 987 and its implementing regulations); and (b) your loan is unsecured or secured by personal property that you did not purchase with the proceeds of the loan.

  1. NOTICE: Federal law provides important protections to members of the Armed Forces and their dependents relating to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit transaction or account: the costs associated with credit insurance premiums or debt protection fees; fees for ancillary products sold in connection with the credit transaction; any application fee charged (other than certain application fees for specified credit transactions or accounts); and any participation fee charged (other than certain participation fees for a credit card account). To receive this notice verbally, please call 1-844-269-7201 during our normal business hours.
  2. This loan will not be secured by shares or deposits in any of your accounts unless you specifically agree to establish an account in connection with this loan in which funds deposited after the loan is given will secure this loan. Therefore, the following provisions in the Loan Agreement and Security Agreement do not apply to this loan: Contractual Pledge of Shares ; any reference to pledge of shares, statutory liens, set-off, or administrative freeze contained in the Security Agreement, Pledge of Shares; Statutory Lien; Set-off; Administrative Freeze provision; the Cross-Collateralization provision to the extent it purports to cross-collateralize any of your other share or deposit accounts with us.
  3. This loan is not subject to mandatory arbitration and therefore any reference to mandatory arbitration in this Loan Agreement and Security Agreement shall not apply to this loan.
  4. If you are a Louisiana resident, the Louisiana-specific provisions contained in the Security Agreement do not apply to this loan.

Member Notice: A short-term loan should be used for short-term financial needs only, not a long-term financial solution. Members with financial difficulties can visit Financial Management for free access to financial education and online tutorials.

Pay advance loans

Privacy Statement. Federally insured by the NCUA. We Do Business in Accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. 2016 One Nevada Credit Union. All Rights Reserved.

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Any Purpose Pay Day Loans

Pay day loanYou can apply for a Payday loan for any purpose. Our simple, short term loans are designed to see you through to your next pay day so whether you need to pay a bill, have repairs to do on your car or simply need a little extra cash for a special occasion, our 10 minute application process will give you the added freedom and flexibility you need – FAST! Get the cash you need today – Apply Now!


How to Pay Off a Big Student Loan #mortgage #loan


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This Millennial Paid Off $23,375 in Student Loans in Just 10 Months

“If you have a game plan, you can accomplish your goals,” says 22-year-old Jordan Arnold.

Like many millennials, Jordan Arnold graduated from college five figures deep in student debt. Unlike most of his peers, he paid off all of his loans less than a year after graduation.

Bluffton, Ind.

When he started paying it down: May 2013

When he became debt-free: March 2014

How I started building debt

I always knew I was going to go to college, though I figured I d go to community college for a year or two because it s cheap. But my parents started talking to me about this private Christian school, Indiana Wesleyan in Marion, Ind. I took a visit, and I really liked it. It s only like 3,000 students on campus, so it s a tight-knit community.

Tuition and room and board was about $31,000 a year. And the first year I hadn t applied for federal student aid, since I didn t commit to the college until about 10 days before classes started. I got some scholarships and a grant from my church, though. So, ultimately, I owed approximately $9,000 that first year.

Getting to $23,000

I could only borrow up to $5,500 in subsidized loans from the government each year, so I worked to cover the rest so that I didn t have to take out private loans. I also graduated in three years, which helped.

Still, altogether, I had to take out $15,150 in subsidized federal loans and $2,000 in unsubsidized federal loans. I borrowed another $6,000 from my parents.

My uh-oh moment

In the fall semester of my senior year, I remember being kind of nervous. I knew I had to start paying my debt within six months. It s stressful, when you don t have any money. And I heard all these stories about college students who get out of school, they have all this debt, and they can t find jobs.

Getting my debts paid off was important to me. I didn t want to get the point where I d have to be paying student loans for another 10 years. Right now, I m single. I don t have any dependents that rely on my income. But I didn t want to have these loans over my head when I m trying to feed a family and put a roof over their heads. It s not just about me, it s about my future family.

My first step out of the hole

Luckily, I got a job right out of college at an insurance agency (I had majored in finance). I was on salary, and it was pretty good: $36,000 plus bonuses.

I didn t have to pay my student loans for another four months, but over the summer I decided to go ahead and start making payments before interest began accruing.

I actually moved back in with my parents which is hard when you have been out on your own. But I didn t really have a reason to move out. And I was blessed that they actually preferred me to live there because I could help out around the farm they own, baling hay or feeding the horses. Living at my parents place for free was a lot better than having to pay $400 or $500 a month for rent.

Kicking it into gear

About four months into my new job, I picked up a second job, delivering for Pizza Hut, to help pay off my debt. I would start work at the insurance agency at 8:30 a.m. change in the bathroom at 4:50 p.m. get to Pizza Hut by 5, deliver pizzas until about 9:30, get home around 10, then shower, eat, and go to bed.

My monthly take-home pay from the insurance company was about $2,200, and I made about $1,000 at Pizza Hut. After gas, car insurance, tithing to my church, entertainment and food, I could put about $2,000 towards my debt every month.

At that rate, I was projected to pay off my debt in May 2014. But I got a $3,000 refund on my taxes, and paid off the rest of my debt with that.

How I celebrated being debt-free

I made my last payment the first of March, then I went to Florida with some friends two weeks later. It was pretty rewarding after a 10-month battle. I had probably worked 65 to 70 hours a week for seven or eight months. It was exhausting, but it was worth it.

What I d tell someone else in my place

If you have a game plan, you can accomplish your goals. I have an account on Mint.com, that s where I kept my budget. That s a big part of it just seeing your progress and knowing you re getting closer.

Also, have an emergency fund. While I was paying off that debt, I had a small car accident. I was delivering a pizza, and I hit something in someone s driveway. It cost me about $760 to fix the car. But I had a $1,000 emergency fund, which was kind of a buffer that I kept because life happens.

Finally, don t be afraid to move home if you have to. That was a big part of how I got out of debt.

My plan for the future

I quit my Pizza Hut job in April after paying off my debt, and now work at a bank analyzing commercial and agricultural loans, which is more in line with what I wanted to do.

I actually haven t moved out of my parents house yet. Instead I m saving up for a down payment on a house. I m putting away 50% of my take-home income for that, and I should have a down payment by mid-summer. I also started investing. I started a Roth IRA, and I plan to max it out this year.

Staying true to myself

Some people have made the argument, Maybe you shouldn t have paid off the debt so fast because the interest rate is cheaper than what it will be for you to borrow for a home.

That makes sense in my head, but in my heart, I didn t want this hanging over me. I want to be responsible with my money and build a strong foundation.

Check out Money 101 for more resources:

  • I am unable to pay my debts. What can I do?
  • How do I get rid of my credit card debt?
  • How can I improve my credit score?
  • How do I set a budget I can stick to?

How to Get a Student Loan to Pay For Housing Off-Campus #interest #only #loan


#housing loans
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Other People Are Reading

How It Works

You can use excess proceeds from federal Stafford and Perkins loans and from a Parent Loan for Undergraduate Students — as well as loans from private lenders — to pay rent and utility expenses relating to off-campus housing. The federal government and most private lenders disburse loan proceeds directly to your school. After deducting amounts due for tuition, associated fees and on-campus room and board, the school releases any excess to you. Some schools send out a refund check while others apply the refund to an electronic account and issue you a debit card. In any case, the trick to getting a student loan to pay for off-campus housing is to maximize your refund.

Maximize Federal Student Aid

Financial assistance starts with filling out the Free Application for Federal Student Aid. While the financial information you and your parents provide plays a major role in determining how much financial assistance you will receive, there are things you can do to increase the refund amount. First, accept the maximum amount of financial aid offered to you. Second, ask for the entire amount as a loan instead of requesting some in the form of a work-study program. This will ensure you receive the entire refund upfront instead of receiving a portion incrementally over the course of the semester. This can be especially helpful if your landlord requires a full semester of rent in advance instead of monthly rent payments.

A Parent Loan for Undergraduate Students

An independent student or a parent who meets credit requirements can apply for a federal loan called a Parent Loan for Undergraduate Students, more commonly referred to as a PLUS loan. Because you can use these funds to pay for off-campus housing, this is a good option if you don t qualify for federal assistance or do qualify but do not receive a refund. Because such loans can t exceed the total cost of attendance, the U.S. Department of Education allows each school to determine the maximum that a parent can borrow.

Explore Private Student Loans

Private student loans and personal loans are not the same types of loans. According to Citizens Bank, the school you re attending determines how much you or your parents can borrow. For this reason, you ll most likely need to submit an application for federal loan assistance, even if you re sure that you won t qualify. Just as with other forms of assistance, the amount borrowed goes first to pay invoiced expenses. To get a private loan to pay for off-campus housing, you ll need to pay for tuition and fees using other resources or request the total cost of attendance.


5 Ways to Pay Off Your Student Loans Faster #pension #loan


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5 Ways to Pay Off Your Student Loans Faster

The first thing people say when they find out where I work: “Can you delete my student loans for me?”

If only I had that power. Just like many of you, I am a student loan borrower. Each month, my federal student loan servicer. withdraws my $381.35 student loan payment from my bank account and I still cringe every time. (Do you know how many pairs of shoes I could buy with that money?) Point is, I understand what you’re going through.

That said, there are manageable ways to pay off your student loans faster than you had planned and save yourself money by doing so!

Here are some ideas:

  1. Pay Right Away Even though you’re usually not required to. consider making student loan payments during your grace period or while you’re still in school. If you’re short on cash, consider at least paying enough each month to cover the amount of interest you’re accruing. That way your interest doesn’t capitalize and get added to your principal balance. Not doing this was one of the biggest mistakes I made with my student loans.
  2. Sign up for Automatic Debit If you sign up for automatic debit, your student loan servicer will automatically deduct your student loan payment from your bank account each month. Not only does this help ensure that you make payments on time, but you may also be able to get an interest rate deduction for enrolling. Contact your loan servicer to see if your loan is eligible for this benefit.
  3. Pay More than Your Minimum Payment Even if it’s $5 a month!  Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. If you want to ensure that your loan is paid off faster, make sure you tell your loan servicer that the extra amount you’re paying is not intended to be put toward future payments. If given the option, ask your servicer if the additional payment amount can be allocated to your higher interest loans first.
  4. Use Your Tax Refund One easy way to pay off your loan faster is to dedicate your tax refund to paying off some of your student loan debt. Part of the reason you may have gotten a refund in the first place is because you get a tax deduction for paying student loan interest. Might as well be smart about the way you spend it.
  5. Seek Out Forgiveness and Repayment Options There are a number of situations under which you can have your federal student loan balance forgiven. There are forgiveness and repayment programs for teachers. public servants. members of the United States Armed Forces. and more. Most of these programs have very specific eligibility requirements, but if you think you might qualify, you should definitely do some research. Also, research whether your employer offers repayment assistance for employees with student loans. There are many who do!

Nicole Callahan is a Digital Engagement Strategist at The U.S. Department of Education’s office of Federal Student Aid. She is scheduled to finish repaying her student loans in 2021, but is hoping that by taking her own advice, she will finish much faster.