West Community Credit Union vs OneMain Financial Kullanım & İstatistikleri

Conveniently and securely manage your accounts from anywhere using the West Community Credit Union app. Whether you need to check your balance, review your transaction history, transfer money, make payments, deposit checks, or check your credit score – you can do it all with ease from your mobile device. At West Community Credit Union, we believe in something bigger. Something that brings us all together. It’s the idea that we’re all connected, and that there’s a common good worth working for. We’re in the business of building relationships on trust, being honest with our members and treating everyone fairly. We care about our members and their goals, and we work hard every day to deliver an exceptional experience. That’s why we’ve developed a top-notch mobile app – because we believe in people, our members, and our community. We are West Community Credit Union, and we are banking on you. App features* include: ● Secure biometric login ● Manage all of you accounts on one dashboard ● Review transaction history, search for payments or deposits ● Transfer funds between all your West accounts, or externally to and from your outside accounts ● Deposit checks ● Send money to other people ● Make your loan payments ● Pay bills ● Check your credit score and review your credit report ● Set up budgets and track your spending & savings habits ● Set up alerts/notifications ● Manage your debit and credit cards – quickly turn cards on/off or set transaction limits ● Locate branches and surcharge-free ATMs *Some features are device dependent and/or may only be available for eligible members or account types. Please note that your available balance takes in to account some pending transactions that have not posted to your account, but may not reflect all transactions, including but not limited to debit card transactions, ATM deposits, check holds, checks you have written, pre-authorized debits, scheduled transfers and bill payment items scheduled through our service. Please make sure that you manually account for any outstanding items and add/deduct them accordingly from the available balance.

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Finans

Kullanım Sıralaması

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OneMain Financial

OneMain Financial offers personal loans. With mobile access, customers can log in to get loan account details. We respond Monday-Friday: 7 am-8 pm CT; Saturday: 8 am-5 pm CT. Our mobile app can be used by customers to service existing loans and to submit applications to refinance existing loans. New loan applications can’t be submitted using the mobile app. Deleting the mobile app on a device does not close or delete a OneMain loan account. As a regulated lender and financial institution, we must retain certain records under applicable law. Our personal loans have minimum and maximum repayment periods of 24 months and 60 months, respectively. The maximum Annual Percentage Rate (APR) for a personal loan is 35.99%. Minimum loan amount offered is $1,500 and maximum is $20,000. Not all applicants qualify for larger loans or most favorable loan terms. Larger loans require a first lien on a motor vehicle no more than 10 years old, meets our value requirements, titled in your name with valid insurance. Approval and actual loan terms depend on your state of residence and ability to meet our credit standards, including a responsible credit history, sufficient income after monthly expenses, and availability of collateral. APRs are generally higher on loans not secured by a vehicle. Highly qualified applicants may be offered higher loan amounts and/or lower APRs. Loan proceeds can’t be used for post-secondary education expenses, business or commercial purposes, buying crypto or other speculative investments, gambling or illegal purposes. Active-duty military, their spouse or dependents covered by the Military Lending Act may not pledge a vehicle as collateral. Borrowers in these states are subject to these minimum loan sizes: Alabama: $2,100; California: $3,000; Georgia: $3,100; North Dakota: $2,000; Ohio: $2,000; Virginia: $2,600. Borrowers in these states are subject to these maximum loan sizes: North Carolina: $11,000 for unsecured loans to all customers. $11,000 for secured loans to present customers; Maine: $7,000; Mississippi: $12,000; West Virginia: $13,500. Loans to purchase a motor vehicle or powersports equipment from select dealerships in NC, ME, and MS are not subject to these maximum loan sizes. We charge loan origination fees. Depending on the state where you open the loan, there may be no origination fee or it may be a flat amount or percentage of the loan amount. Flat fees vary by state, ranging from $25 to $500. Percentage-based fees vary by state ranging from 1% to 10% of the loan subject to certain state amount limits. Representative loan cost example: A principal amount of $6,000 at an APR of 24.99% over 60 months results in a monthly payment of $176.07. The principal and APR include any financed origination fees. The total amount paid for this loan, including principal, interest, and financed fees, would be $10,564.20. Example based on customer with average credit. Actual loan terms depend on your credit profile, including credit history, income, debts, and for secured loans, ability to provide collateral. When refinancing or consolidating existing debt, total finance charges over the life of the new loan may be more than current debt because the interest rate may be higher and/or loan term may be longer. Loans include origination fees, which may reduce the amount of money available to pay off other debts. State Licenses: OneMain Financial Group, LLC (NMLS# 1339418)- CA: Loans made or arranged pursuant to Department of Financial Protection and Innovation California Finance Lenders License. PA: Licensed by Pennsylvania Department of Banking and Securities. VA: Licensed by Virginia State Corporation Commission – License Number CFI-156. OneMain Mortgage Services, Inc. (NMLS# 931153). NY: Registered New York Mortgage Loan Servicer. See more licensing information at nmlsconsumeraccess.org and onemainfinancial.com/legal/disclosures. Need help with a screen reader? Call 800-290-7002.