Credit & Loans - Stately Credit - Page 2

Building Credit With Secured Credit Cards: A Helpful Guide

I have some good news and bad news. Let’s start with the bad news: A Federal Reserve study found that thirty-one percent of applicants were denied credit in 2019. The culprit? Low credit scores. The good news? Fixing your credit is easy and some have even managed to raise their score by 277 points within […]

Should You Use a Personal Loan to Pay Off Your Credit Cards? Let’s Find Out

Living with credit card debt can be frustrating, especially if you’re like 34% of Americans who carry three or more cards. How much should I pay for each card? Can I afford to pay off my cards in time without racking up too much additional debt? Should I focus on paying the cards with the […]

Payroll Deduction Loans: A Helpful Guide

Payroll deduction loans can help you save money and avoid predatory lenders. According to a recent survey, less than four out of ten Americans can afford an unexpected $1,000 expense. The problem? The average unexpected expense was around $3,500, and around a third of Americans reported experiencing a financial emergency within the past year. A […]

Should You Take a Salary Advance?

Should you consider a salary advance? After the large spike (14%) in unemployment we saw in April, many Americans continue to stress about job security and income. In a survey conducted last October, 63% of Americans say they have been living paycheck to paycheck since the start of the pandemic, with millennials being hit the […]

How Automatic Bill Payments Can Boost Your Credit Score

Payment history is one of the most critical aspects of your credit score, and setting up automatic bill payments can help ensure you never miss a payment. But is it a good idea? There are benefits and downsides to using automatic payments to cover bills. What are Automatic Bill Payments and Autopay? An automatic […]

11 Benefits of Having a Good Credit Score

Credit scores play an important part in our financial futures. A great score could help you get flexible loan terms, better insurance, and mortgage rates that could save you thousands. Read on for a complete overview of all the benefits of having a great credit score. It’s Cheaper to Borrow Money When You Qualify for […]

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Loans under the Stately Credit branded loan program (Stately) are made by First Financial Credit Union (FFCU), an Illinois chartered credit union, NCUA insured. An FFCU membership is required in order to obtain a Stately Credit loan from FFCU. Stately loans are serviced by First Financial Servicing, LLC (FFS).

Stately loan amounts range from $1,000 to $10,000 with loan terms from 6 to 24 months. Loans are generally repaid via a payroll direct deposit. The APR for Stately loans ranges from 12% to 35.99%.

To qualify for the lowest rate, applicant must have a responsible financial history, be employed and paid through a payroll processor and repay via a payroll direct deposit.

Our loans are subject to credit approval and verification. We may gather information about you including, but not limited to, credit bureau information, information for verification of income and of your expenses. We also verify your identity. Income and debt must meet eligibility requirements as established by our underwriting guidelines which is subject to change without notice.

As an example: A 2 year $5,000 loan with a 22.95% simple interest rate and a $25 one time fee has 52 bi-weekly installments of $132 each and an A.P.R. of 23.49%. This example is an estimate only and assumes all payments are made on time.

Stately loans are not currently available in all states and are not currently available to active members of the military and/or their dependents.

By providing your email address and phone number to Stately Credit LLC, you agree that Stately Credit LLC, FFCU, or FFS may use it to communicate with you about debt via email, phone, or text message.

Important Information About Procedures for Opening a New Account. To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. This means that when you open an account with FFCU, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We also may ask to see your driver’s license or other identifying documents.

We are committed to making our website's content accessible and user-friendly to everyone. If you are having difficulty viewing or navigating the content on this website, or notice any content, feature, or functionality that you believe is not fully accessible to people with disabilities, please call our Customer Service team at 844-408-2444-, Monday – Friday, 9 a.m. – 5 p.m., Central Time.