Benefits of Our Payday Loans Alternative

We’ve streamlined our application process that can get you an approval decision in minutes. Here are some of the key features of our payday loans alternative:

• Loan amounts range from $300 to $1,000 for first-time borrowers
• Loan repayment takes place via bi-weekly payments
• Each payment goes towards both principal and interest
• As your principal balance decreases, the amount of interest accruing decreases as well, which results in decreasing payment amounts
• Our loan terms are transparent, so you’ll never be surprised by hidden fees
• No prepayment penalties for early payoff

Unlike traditional payday lenders, Golden Valley Lending offers longer repayment terms, decreasing payment amounts over the course of the loan, and the benefit of saving money by paying off your loan early. These are all advantages over typical payday loans.

Applying for Our Payday Loan Alternative

Our process is based on applicable federal and tribal regulations, as well as OLA guidelines. When you fill out our application, we’ll only ask for the information that we need. Our proprietary scoring system uses all of the information you provide to make an approval decision in minutes because we know you’re more than just a three-digit credit score.

Receiving Your Loan Funds

If you’re approved by 4:30 p.m. Eastern Time, Monday through Friday, you could receive your funds by the next business day. Funds can be deposited into your bank account electronically via ACH transfer.

Experience the Difference

Residents of New Jersey, come experience the difference with the Golden Valley Lending payday loans alternative! We offer a transparent process with excellent customer service. Apply now!