Empire Finance of Poteau OK – Empire Finance is a financial services company based in Poteau, Oklahoma, that offers personal loans and other financial products. They specialize in providing short-term installment loans for people who need to borrow money quickly and easily. Customers can apply for a loan online or in person at one of their branch locations.
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Services Offered by Empire Finance of Poteau OK
Empire Finance offers a range of financial services, including personal loans, bill payment services, and prepaid debit cards. Here is an overview of the services offered by Empire Finance:
- Personal loans: Empire Finance specializes in providing short-term installment loans for people who need to borrow money quickly and easily. Customers can apply for a loan online or in person at one of their branch locations. Loan amounts vary depending on the customer’s creditworthiness and income, but typically range from $100 to $1,000. Loans are repaid over a period of 6 to 12 months, depending on the loan amount and other factors.
- Bill payment services: Empire Finance also offers bill payment services to help customers manage their monthly expenses. Customers can make payments for a variety of bills, including utility bills, rent payments, and other recurring expenses. Payments can be made online or in person at one of their branch locations.
- Prepaid debit cards: Empire Finance offers prepaid debit cards that can be used anywhere that accepts debit cards. The cards can be loaded with funds online or in person at one of their branch locations. Customers can use the cards to make purchases, withdraw cash from ATMs, and manage their finances.
Overall, Empire Finance focuses on providing financial services that are convenient, accessible, and tailored to the needs of its customers. They strive to provide fast, reliable service with minimal hassle and paperwork.
Requirements for Obtaining a Loan from Empire Finance
The specific requirements for obtaining a loan from Empire Finance may vary depending on the state and location of the branch, as well as the individual’s creditworthiness and income. However, here are some general requirements that may apply:
- Age: The borrower must be at least 18 years old.
- Residency: The borrower must be a resident of the state where the loan is being obtained.
- Income: The borrower must have a regular source of income, such as a job or other form of steady income. Proof of income may be required.
- Credit history: Empire Finance may review the borrower’s credit history to determine eligibility for a loan. However, they may still consider applications from people with poor or no credit.
- Identification: The borrower must provide a valid form of identification, such as a driver’s license or state-issued ID.
- Bank account: The borrower must have an active bank account in good standing. This is typically used to transfer funds to the borrower and to set up automatic payments for the loan.
Interest Rates and Repayment Terms
The interest rates and repayment terms for loans offered by Empire Finance may vary depending on the borrower’s creditworthiness, income, and the state and location of the branch. Here is a general overview of what borrowers can expect:
- Interest rates: Empire Finance typically charge higher interest rates than traditional banks or credit unions because they specialize in providing short-term loans to people with poor or no credit. The exact interest rate will depend on various factors, but it may range from 100% to 500% APR or higher.
- Repayment terms: Loans from Empire Finance are typically repaid over a period of 6 to 12 months, depending on the loan amount and other factors. The borrower will make regular payments over the course of the loan term until the loan is fully repaid. It is important to make all payments on time to avoid late fees and other penalties.
- Payment options: Empire Finance may offer different payment options depending on the location and loan type. Borrowers may be able to make payments online, in person at a branch location, or through automatic payments from their bank account.
- Early repayment: Borrowers may be able to repay their loan early without incurring any prepayment penalties. This can help save on interest charges over the course of the loan.
NOTE: Carefully review the interest rates and repayment terms before agreeing to a loan from Empire Finance. Borrowers should also make sure they understand the total cost of the loan, including any fees or charges.
Branch Locations of Empire Finance
Empire Finance has several branch locations across multiple states in the United States. The specific locations may vary, but here are some of the states where Empire Finance has branch locations:
- Oklahoma
- Missouri
- Arkansas
- Kansas
- Texas
Empire Finance of Poteau OK branch location is 400 B N Broadway St, Poteau, OK 74953, United States.
Empire Finance of Poteau OK Customer Service and Support
Empire Finance provides customer service and support to borrowers who have questions or concerns about their loans. Here are some of the ways borrowers can contact Empire Finance for assistance:
- Phone: +1 918-647-2294
- Address: 400 B N Broadway St, Poteau, OK 74953, United States
- Website: https://www.loansanywhere.net/empire
Contact Empire Finance of Poteau OK if they have any questions or concerns about their loans. Borrowers should also make sure to keep track of their loan terms and payment schedule to avoid any late fees or penalties.
Reviews and Reputation of Empire Finance of Poteau OK
- Better Business Bureau: Empire Finance has an A+ rating with the Better Business Bureau, which is a good indicator of its overall reputation. However, it’s important to note that BBB ratings can vary by location, and borrowers should check the specific rating for their local branch.
- Online reviews: Empire Finance has mixed reviews online, with some borrowers reporting positive experiences and others reporting negative experiences. Some common complaints include high-interest rates, aggressive debt collection practices, and unclear loan terms.
- Reputation: Empire Finance has been in business for several decades and has established a reputation as a provider of short-term loans to people with poor or no credit. However, its reputation may be impacted by negative reviews and experiences from borrowers.