Comparison to Payday Loans

If you’ve ever looked into a payday loan, you might be familiar with the disadvantages. Thankfully, you can forget everything you know about payday loans because we offer something different.

At Golden Valley Lending, we provide borrowers with a payday loans alternative. Here are notable features of our short-term loan product:

• Loan amounts range from $300 to $1,000 for first-time borrowers.
• Our fixed-term installment loan is repaid in bi-weekly payments.
• Every payment goes toward both principal and interest. As your principal balance decreases, the amount of interest accruing decreases as well, which results in decreasing payment amounts.
• Save on interest by paying off your loan early with no prepayment penalty, or put extra toward your principal anytime.
• You’ll never be surprised by hidden fees or burdened with balloon payments.
• Our terms are clear and easy to understand. We value transparency.

The Application Process

Applying for a loan with us only takes minutes. Because we offer our services online, you can apply from any location in Rhode Island. Our application can be accessed from desktop and mobile devices with internet access, 24/7.

We’ve streamlined the process, and we ask only the questions that are necessary for us to process your application. Our process is secure and is based on applicable federal and tribal regulations, as well as OLA guidelines.

The Approval Process

Golden Valley Lending’s proprietary scoring system will get you answers fast. We use 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.

If you’re approved before 4:30 p.m. Eastern Time, Monday through Friday, you may receive your funds as soon as the next business day. Funds can be deposited into your account electronically using an ACH transfer.

What are you waiting for? Apply today for our payday loans alternative, and experience the difference with Golden Valley Lending!