River City Finance was established March 1, 2000. Designed to help consumers with bad credit, previous bankruptcies, medical collections, etc., River City Finance helps them re-establish their credit with secured personal loans from $500 to $10,000. River City Finance does NOT use credit scoring during the approval process. Instead, the consumer's credit HISTORY is pulled, which gives a more accurate picture of their credit worthiness.

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Some pre-qualifications for a loan are:

• MUST LIVE IN LENDING AREA AT LEAST 6 MONTHS PRIOR TO APPLICATION PROCESS

• MUST WORK AT CURRENT JOB AT LEAST 6 MONTHS PRIOR TO APPLICATION PROCESS

• DEBT TO INCOME RATIO MUST BE LESS THAN 50%

• PAYSTUBS, 1099 FORMS, AND/OR OTHER PROOF OF INCOME REQUIRED IF APPROVED

 

Sometimes applicants may not fit all pre-qualifying criteria on their own, but may qualify with a co-maker. Co-makers MUST meet the above stipulations, as well as, the following:

• MUST BE IMMEDIATE FAMILY MEMBER OF PRIMARY APPLICANT

• MUST BE A HOME OWNER

• MUST BE AT CURRENT JOB (OR SOURCE OF INCOME) FOR AT LEAST 3 YEARS

• MUST QUALIFY FOR LOAN ON THEIR OWN

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* All terms and conditions subject to approval and may change at any time without notice.

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