What Are Some Examples of Unexpected Expenses?
This is a fairly broad term, but we’re talking about the stuff that could really set you back. A busted door knob technically is an unexpected cost, but we doubt anyone would ever need a loan to replace one. We’re talking about things like:
A busted HVAC system: These systems always seem to die at the worst times, so replacing them quickly is a must. It’s not cheap, though.
A totaled car: A vehicle is one of the most vital parts of our lives. When you suddenly need a new one, we’ve got your back.
An emergency room bill or pet emergency: Medical bills can add up fast, and paying them out of pocket isn’t sustainable.
Legal fees: Hiring a lawyer is advisable if you’re involved in a sawsuit, but it can get expensive.
Family emergencies: It’s important to be there for family in times of crisis, whether it be helping them with medical bills or paying for funeral costs.
Home repairs: You clearly weren’t planning on that tree falling through your roof, but knowing you have a payment option to replace it will make it hurt a little less.
Life Happens, but that doesn’t mean you should be penalized for things outside of your control.
The Benefits of an Emergency Loan with Bay Country
- Financing available of up to $50,000
- Same day approvals
- Convenient loan options
- Repayment options
- Budget-friendly loan options
Fast Funds When You Need Them!
Get funds fast and pay loans with your debit card.
- Apply in-store, over the phone, or online
- You have the option to receive funds on your debit or prepaid card
- Make a payment in-store, over the phone, or online
Don’t wait for checks to clear or worry about driving to a store. Bay Country Finance pushes funds straight to your debit or prepaid card so you receive funds when you need them.
Eligibility
Our process doesn’t focus on your credit score.
We see the people behind the number and do everything in our power to help. You won’t be waiting for long periods of time and you’ll never hear us tell you that you aren’t qualified because your credit score is poor.
Application Process
We’re happy to offer a simple, streamlined application process—nobody wants to spend hours filling out forms, especially for a loan application. So what’s the process?
APPLY ONLINE: Once we have some financial, employment, and personal indo, you’ll get a quick response on your loan request.
CONNECT WITH A SPECIALIST: Once you’re approved, we’ll discuss your options and verify things like our identity, income, expenses, and any needed collateral. This step can be done by phone, online, or in person at one of our three branches.
SIGN AND GET YOUR MONEY: After you review and accept your loan, you just need to sign a few documents and receive your money. Easy!
Customer Support
When it comes to loans (or any financial assistance), it’s okay to ask questions and voice concerts. In fact, we encourage it! We’re always happy to help you understand:
- Eligibility
- What types of loans we offer
- The application process
- Repayment options
The minimum and maximum period for repayment are 12 – 60 months. Your terms vary based on personal information like credit history, income, expenses, debts, and acceptable collateral.
Let Us Reward Your Loyalty!
If You Are a Current or Former Valued Customer, Enjoy the Following Benefits on a New Loan with Us
- $25 Amazon Gift Card when your new loan closes*
- 45 days before your first payment is due
- “Instant Funding” directly to your debit card
- Plus, earn a $25 Amazon Gift Card for the referral of a friend or family member (Referring customer must close loan to become eligible).
*Any customer eligible for a Loyalty Gift Card must notify your loan officer at time of loan closing. Terms, conditions, and some restrictions apply. Not all will qualify.
