The Payday Loans Alternative

Unlike other lenders offering traditional payday loans, Golden Valley Lending offers a desirable alternative that keeps the advantages while mitigating the disadvantages. Our approach to short-term loans is unique.

Here are notable features of our payday loans alternative:

• Borrowers with low credit are eligible
• Loan amounts range from $300 to $1,000 for first-time borrowers
• Our loans are fixed-term installment loans repaid in bi-weekly payments
• Receive your funds as soon as the next business day
• Pay more than the required minimum payment on scheduled pay dates or payoff early without prepayment penalties
• Each payment is applied to both principal and interest. As your principal balance decreases, the amount of interest accruing decreases as well, which results in decreasing payment amounts.
• We believe in transparency so you’ll never be surprised by hidden fees

Traditional Payday Loans Comparison

You may be asking yourself, what are the differences between traditional payday loans and Golden Valley Lending’s payday loans alternative? Here are some typical features of payday loans:

• Short loan term – full loan repayment is usually required by your next payday
• Balloon payment – The loan is repaid in a final lump sum payment
• Prepayment penalty – The loan structure makes it impossible to save on interest charges
• Rollover costs – Failing to pay off the loan on-time results in additional fees and charges

How to Apply

You can apply with us from any location in Wisconsin online using a desktop or mobile device with internet access. Our streamlined application takes minutes to complete, and our process is based on federal and tribal regulations as well as OLA guidelines.

Transparency is important to us. We want you to know what we expect of you, and we want you to understand what you can expect from us in return. Once you submit your application, our proprietary scoring system gets you an approval decision quickly. Every application gets special attention because we know you’re more than just a three-digit credit score.

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

Experience the difference with Golden Valley Lending. Apply now for our payday loans alternative!