At Golden Valley Lending, we understand that even people who budget, save, and watch their spending can come up short between paychecks. Life goes on whether there’s extra cash in the bank or not, and a car repair or other unexpected expense can be a significant setback. That’s why we designed an affordable, streamlined payday loans alternative to help our customers quickly get back on their feet.
California Payday Loans Alternative
At Golden Valley Lending, we understand that even people who budget, save, and watch their spending can come up short between paychecks. Life goes on whether there’s extra cash in the bank or not, and a car repair or other unexpected expense can be a significant setback. That’s why we designed an affordable, streamlined payday loans alternative to help our customers quickly get back on their feet.
A Better Alternative
Conventional payday loans can result in a world of trouble for borrowers. Depending on the fees and interest rates associated with the loan, customers could pay hundreds or thousands of dollars in finance fees without ever reducing the principal balance. Some payday loans even come with hefty penalties for paying them off early.
We don’t believe in making a tough financial situation worse or penalizing people for their efforts to pay off debt. Our payday loans alternative is superior to traditional payday loans, and the goal of quick repayment is always within reach.
It works like this:
- You can apply for a short-term loan online seven days a week from desktop and mobile devices.
- Loan amounts range from $300 and $1,000 for first time borrowers.
- If approved by 4:30 p.m. Eastern Time, Monday through Friday, funds may be available as soon as the next business day. Funds can be electronically deposited into your bank account using an ACH transfer.
- Unlike most payday loans, our alternative is a fixed-term installment loan. The repayment schedule is divided into regular minimum payments.
- Each payment that you make will be applied to both principal and interest, therefore, payment amounts decrease over time.
- Pay more than the required minimum payment or payoff early without prepayment penalties.
We are all about transparency, so we let you know what to expect upfront. You’ll never be surprised by hidden fees.
Count on Our Support
We don’t just serve our customers. We actively partner with them to improve their long-term financial well-being. There are several ways that we demonstrate our ongoing support:
- We use modern technology to connect under served consumers in California and elsewhere to financial products.
- We believe that there’s more to your story than a three-digit credit score. That’s why we look at other variables before we make a decision about extending credit to you. Your current income and circumstances are more important to us than past missteps that affected your score.
- Returning customers who are in good standing may qualify for greater loan amounts, finance fee discounts, or other incentives.
Partnering With You and Our Community
At Golden Valley Lending, our mission to help people succeed financially extends to the entire community.
We’re owned by the Habematolel Pomo of Upper Lake, a federally recognized Indian tribe, and licensed and regulated by the Habematolel Pomo of Upper Lake Tribal Consumer Financial Services Regulatory Commission. We’re glad to support the tribe in promoting and preserving their culture and helping them be economically self-sufficient. Our secure online application process abides by all applicable federal and tribal regulations, and OLA guidelines.
Apply today to get started with our desirable payday loans alternative. Golden Valley Lending looks forward to playing a role in your future financial success!
