If you’re looking for a direct lender offering high-quality quick cash loans in Nampa, Idaho and surrounding areas, you’ve come to the right place. The team at 1st Choice Money Center has been providing clients with a variety of short-term loans, including several alternatives to predatory payday loans.

Are you dealing with credit issues that have made other loan types less viable? No problem. Are you lacking a bank account but still looking for some quick cash? We can help. Call us today to learn more about any of our services.

The Problem With Payday Loans

As we noted above, we’re proud to offer several alternatives to payday loans, which are predatory and unethical. Payday loans charge incredibly high interest rates, for one, and also require balloon payments within two weeks – and if you can’t make this balloon payment, your sum rolls over and only interest is paid until you are able to bite into the larger principal, often getting disadvantaged clients into a painful cycle of debt.

With our direct loans, on the other hand, every payment made is applied to both principal and your interest rate. This means you’re lowering your debt amount with each payment no matter what.

Our Loan Programs

We offer several high-quality loan programs to clients, including but not limited to each of the following:

  • Personal loans: Low-interest personal loans, also often called signature loans when only a signature is required for the loan agreement. Your repayment period can range from one to five years.
  • Installment loans: Our most popular loan type, the installment loan is a short-term loan that allows you to pay down both interest and principal together.
  • Title loans: A loan where you provide your vehicle’s title as the collateral against the sum being lent. This is an attractive option for those with credit issues but who own a car in their name.

Dedicated Loan Team

No matter which of our loan programs you’re interested in, you’ll be assisted by dedicated, friendly professionals who are here to help you get the financial relief you need. Our loans contain no hidden fees or predatory elements, and are provided by loan experts who will match your needs with the best possible loan format. We offer clients the ability to consolidate their debts without ridiculous interest rates.

For more on any of our direct lender loans and programs in Nampa, Idaho or nearby areas, speak to the staff at 1st Choice Money Center today.