Resources & Guides - Stately Credit - Page 5

Resources and Guides

As financial educators, we’re excited to help you take control of your finances, one step at a time.

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What is zero based budgeting?

Zero Based Budgeting: A Helpful Guide

July 7, 2021

Zero based budgeting is all about ensuring that you put every cent you earn to use so ...

payroll deduction loans guide

Payroll Deduction Loans: A Helpful Guide

July 6, 2021

Payroll deduction loans can help you save money and avoid predatory lenders. According to a recent survey, ...

a picture about whether you should take a salary advance

Should You Take a Salary Advance?

July 5, 2021

Should you consider a salary advance? After the large spike (14%) in unemployment we saw in April, ...

how automatic bill payments can help improve your credit score

How Automatic Bill Payments Can Boost Your Credit Score

July 5, 2021

Payment history is one of the most critical aspects of your credit score, and setting up automatic ...

Here's why 401(k) loans are a bad idea

Here’s Why 401(k) Loans Are a Bad Idea

July 2, 2021

It’s tempting, isn’t it? An emergency pops up—the roof caves in, the car dies, your kid hits ...

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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.