LOANS FOR POSTAL WORKERS CAN BE ACQUIRED FOR A CONSIDERABLY LOWER INTEREST RATE IF YOU HAVE A GOOD CREDIT SCORE.

If you’re a postal employee with a bad or poor credit score, raising your credit score is essential in getting approved for loans with lower interest rates.  In addition, you may not be able to get a loan for autos, mortgages, insurance or credit cards!  You’ll find some valuable information below on steps you can take to build and improve your credit score.

The good news is, Lightning Fast Loans can help you get a loan fast and easy!

IMPROVE CREDIT SCORE

 

  • Make sure to avoid late payments on any bills due.  Your payment history is probably the single most important factor affecting your credit score!
  • The amount of money you owe.  It’s important to keep the amount you owe on each bill as low as possible.    If you’re consistently at or near maxing out your credit limit it will negatively impact your credit score.
  • Avoid applying for new credit cards and loans if you have poor credit.  This could send a signal to banks and other lending institutions that you may have trouble paying off your existing debts and that you’re a poor risk for any new loans.
  • Check your credit reports.   You can get these reports free once a year from credit card bureaus, Experian and Equifax.  This is important as you’ll be able to tell where you might be able to improve your score.
  • Don’t close accounts you’ve had for a while.  The longer you’ve had a credit history the better.

 

Here is an excellent resource to help you improve your credit.

I HAVE POOR CREDIT.  CAN LOANS FOR POSTAL WORKERS BE APPROVED?

The good news is, even if you have a poor credit score, allotment loans for postal employees are available.  Lightning Fast Loans realizes that emergencies can occur; you may just need a little extra money for a vacation, or just want to do some home improvements.  We have over 20 year’s experience providing no credit check loans for postal employees.  The process is fast and easy, can be done over the phone, and in many cases if approved you will receive your money the next day except for Fridays and Holidays.

Please note, we only provide loans to those living in the following states.  Ohio, Michigan, Louisiana, Tennessee, Maryland, New Hampshire, Delaware, and DC.

USPS Allotment Loans – Fast Easy Application Process Even With Poor Credit 

If you’re a USPS postal worker and are worried about acquiring a loan due to poor credit there’s good news.  Lightning Fast Loans offers No Credit Check Loans for Postal Employees. 

Perhaps you’ve been thinking about getting a new car, need urgent household or auto repairs, would like to pay off existing debts, or just want to take a much needed vacation?   You can save time and avoid the hassle of applying for a loan and possible rejection because of poor credit history.

NO CREDIT CHECK LOANS

 

Our no credit check USPS allotment loans do not require borrowers to undergo stringent background checks, or a lengthy application process… whether you have a good credit history or not.  If you want to borrow money without having your credit history questioned, our simple loan requirements can definitely help you get a fast loan approval.  

All the qualifications and everything you need to know about qualifying for a loan with us can be found here.  We’ve been helping USPS postal workers acquire loans for over 20 years, and the application process can be completed over the phone in a very short period of time. 

 

Advantages of Our No Credit Check Postal allotment Loans

  • Once we receive your loan application information, the approval process is fast, and you your money is usually transferred the next business day except for Friday’s and holidays.
  • Payments are convenient and secure through PostalEase, the telephone enrollment system for Postal Employee Allotments.
  • There is never a penalty if you want to make additional payments.
  • You may pay off your loan early with no penalties.
  • You can easily check your loan balance, payment history or refinancing eligibility with a simple phone call to our toll-free customer service line at 800-640-3502.

You can also visit our FAQ’s page for more information

Loan Applicants Must be a Current Employee of USPS.

 

You simply have to provide us with some basic information regarding your employment along with a few documents such as a copy of your postal ID Badge, Date of Hire, Driver’s License, Social Security or W2 with name and social security number on it, copy of 2 current pay stubs, copy of a current utility bill with your name and current physical mailing address, a voided check or banking statement with full account number and routing number, and a phone # where you can be reached.

 

 

All the documents can easily be sent via fax, an email attachment, or text with a file attached.  All this information can be found on our application page, and if you need help we’re just a phone call away.  Please don’t hesitate to call us with any questions at our Toll-Free number 844-620-3502.

 

If you would like to learn how to fix your credit visit here.

Financial tips

 

PLEASE NOTE; We only provide USPS Allotment Loans for postal employees in the following states; Michigan, Ohio, Louisiana, Tennessee, Maryland, New Hampshire, Delaware, and DC.

PAYDAY LOANS FOR POSTAL EMPLOYEES-GOOD OR BAD?

 

There are a lot of choices when it comes to loans, and if you’re a federal employee, Payday Loans might be your last resort if you happen to have poor credit. There are several companies offering loans, and as someone needing a loan, it would be a good decision to take a careful look at what Payday Loans are and how they work.

Payday Loans are usually short term loans and can have a very high interest rate depending on your credit. Loans are normally set up on a bi-weekly schedule, are normally for a limited time period, and you have to pay more for them the longer they take.

There are a lot of different items that must be included in the loan application for a Payday Loan, but these are mostly focused on the income that you have. If you have good credit then you are going to get better terms and lower interest rates on the loan than someone with poor credit.  A borrower also needs to opt for an automatic payroll deduction repayment plan. That is how the lender makes sure that the borrower won’t miss a payment, unless of course they quit or lose their job.

Payday Loans are good for emergencies, but you also need to look at the repayment options that are offered and this is extremely important.  Any time you borrow money, you are taking out a contract, and this contract needs to be considered before you sign anything. You need to be aware of what your choices are and this is important when you are borrowing money, especially for the first time.

Another viable option is getting a loan from a company that specializes in no credit check loans for postal employees.  Lightning Fast Loans is a premier provider for loans for USPS employees.  

If you’re a postal employee, hopefully you’ve also considered disability income insurance to protect yourself from loss of income.  Postal workers have the highest occurrence of severe injuries in the United States.  If you were to have an illness or injury and ended up having a lengthy time off from work… and didn’t have disability income insurance you might just need a loan!

LOANS FOR POSTAL EMPLOYEES

To sum things up, do yourself a favor if the need for a loan arises and check out your options. Payday Loans for postal employees will more than likely be one option you should avoid!