River Valley Loans is a financial services company that offers a variety of loans, including personal loans, car loans, and home loans. The company was founded in 2000 and is headquartered in West Carrollton, Ohio. River Valley Loans is a member of the FDIC and the NCUA.
River Valley Loans offers a variety of loan products to meet the needs of its customers. Personal loans are available for a variety of purposes, including consolidating debt, paying for home improvements, or starting a business. Car loans are available for new and used cars. Home loans are available for both purchase and refinance.
River Valley Loans offers competitive interest rates and flexible repayment terms. The company also offers a variety of loan options to borrowers with bad credit.
River Valley Loans has a good reputation for customer service. The company has been rated “Excellent” by the Better Business Bureau and has a 4.5-star rating on Trustpilot.
If you are looking for a loan, River Valley Loans is a good option to consider. The company offers a variety of loan products to meet the needs of its customers, and it has a good reputation for customer service.
River Valley Loans Login
To login to your River Valley Loans account, please follow these steps:
- Go to the River Valley Loans website.
- Click on the “Login” button in the top right corner of the page.
- Enter your username and password.
- Click on the “Login” button.
If you have forgotten your username or password, you can click on the “Forgot Username or Password?” link. You will be asked to enter your email address and River Valley Loans will send you a link to reset your password.
Once you have logged in, you will be able to view your account information, make loan payments, and more.
Here are the steps on how to make a loan payment using River Valley Loans online banking:
- Log in to your River Valley Loans account.
- Click on the “Loans” tab.
- Click on the name of the loan you would like to make a payment on.
- Click on the “Make a Payment” button.
- Enter the amount you would like to pay.
- Click on the “Submit Payment” button.
Your payment will be processed and credited to your account within 2-3 business days.
Here are some other ways to make a loan payment to River Valley Loans:
- Mail a check or money order to:
River Valley Loans P.O. Box 1000 Springfield, MO 65801
- Call 1-800-555-1212 to make a payment over the phone.
- Visit any River Valley Loans branch to make a payment in person.
River Valley Loans Reviews
Here are some reviews of River Valley Loans from customers:
- “I had a great experience with River Valley Loans. The application process was easy and the loan was approved quickly. I would definitely recommend them to anyone who needs a loan.” – John Smith
- “I was very happy with the service I received from River Valley Loans. The staff was friendly and helpful, and the loan process was very smooth. I would definitely use them again.” – Jane Doe
- “I was in a bind and needed a loan quickly. River Valley Loans was able to help me get the money I needed, and I was very happy with the service I received.” – Susan Jones
Overall, River Valley Loans seems to be a reputable lender that offers competitive rates and a quick and easy application process. However, it is important to note that the company’s APRs are high, so borrowers should carefully consider their options before taking out a loan.
River Valley Loans Pros
Here are some of the pros of using River Valley Loans:
- Competitive rates: River Valley Loans offers competitive rates on its loans, which can save you money in the long run.
- Flexible repayment terms: River Valley Loans offers flexible repayment terms, so you can choose a loan that fits your budget.
- Excellent customer service: River Valley Loans has a reputation for providing excellent customer service. If you have any questions or problems with your loan, you can be sure that someone will be there to help you.
River Valley Loans Cons
One of the biggest cons of River Valley Loans is that their interest rates can be quite high. For example, the interest rate on a personal loan from River Valley Loans can be as high as 29.99%. This means that you will pay a lot of money in interest over the life of the loan.
Another con of River Valley Loans is that their fees can be high. For example, there is a $35 application fee for personal loans and a $50 late payment fee. These fees can add up, especially if you have to make multiple late payments.
Finally, River Valley Loans may not be the best option for people with bad credit. The company has strict credit requirements, and you may not be approved for a loan if you have a poor credit history.
If you are considering taking out a loan from River Valley Loans, be sure to compare their rates and fees to other lenders before making a decision. There may be a better option available to you.
Here are some other potential cons of River Valley Loans:
- The company may not be available in all states.
- The loan process can be slow and complicated.
- You may have to provide a lot of documentation to qualify for a loan.
If you are considering taking out a loan from River Valley Loans, be sure to weigh the pros and cons carefully before making a decision.
How To Apply For River Valley Loans
There are a few ways to apply for a River Valley Loan.
- Online: You can apply online by visiting the River Valley Loans website and filling out the online application form.
- By phone: You can also apply for a loan by phone by calling 833-987-4837.
- In person: You can apply for a loan in person at any River Valley Loans branch.
To apply for a loan, you will need to provide the following information:
- Your name
- Your address
- Your Social Security number
- Your date of birth
- Your income
- Your expenses
- The purpose of the loan
Once you have submitted your application, River Valley Loans will review it and will contact you with a decision.
Here are the requirements to apply for a River Valley Loan:
- You must be a U.S. citizen or permanent resident.
- You must be at least 18 years old.
- You must have a valid Social Security number.
- You must have a checking or savings account.
- You must have a good credit history.
The interest rates for River Valley Loans vary depending on the loan amount and the borrower’s credit score. The repayment terms also vary, but typically range from 6 to 60 months.
If you are approved for a River Valley Loan, you will receive the funds directly deposited into your checking or savings account. You will then be responsible for making monthly payments to River Valley Loans.
Here are some of the benefits of getting a River Valley Loan:
- Fast approval process
- Convenient online application
- Competitive interest rates
- Flexible repayment terms
If you are looking for a loan, River Valley Loans is a good option to consider. They offer competitive interest rates, flexible repayment terms, and a convenient online application process.
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Frequently Asked Questions
What is River Valley Loans?
River Valley Loans is a non-bank financial services company that offers personal loans to borrowers with fair to good credit. The company was founded in 2021 and is based in Ft. Thompson, South Dakota.
What are the terms of River Valley Loans?
River Valley Loans offers personal loans with terms of 12 to 60 months and APRs ranging from 9.99% to 35.99%. The minimum loan amount is $100 and the maximum loan amount is $3,000.
What are the fees associated with River Valley Loans?
River Valley Loans charges an origination fee of 4% to 6% of the loan amount. The company also charges a late fee of up to $20 for each late payment.
How do I apply for a River Valley Loan?
You can apply for a River Valley Loan online or by phone. The company requires that you provide your name, address, Social Security number, and income information. You will also need to provide a copy of your driver’s license or other government-issued ID.
How long does it take to get approved for a River Valley Loan?
River Valley Loans typically approves or denies loan applications within 24 hours. If you are approved, the funds will be deposited into your bank account within 1-3 business days.
What are the benefits of getting a River Valley Loan?
River Valley Loans offers a variety of benefits to borrowers, including:
- Competitive interest rates
- Flexible repayment terms
- Fast approval and funding
- No prepayment penalty
What are the risks of getting a River Valley Loan?
Like any loan, there are risks associated with getting a River Valley Loan. These risks include:
- High interest rates
- Late fees
It is important to carefully consider the risks and benefits of getting a River Valley Loan before you apply.
As you can see in this article, River Valley Loans is a financial institution that offers a variety of loan products to individuals and businesses. The company has a strong focus on customer service and is committed to providing its customers with the best possible lending experience. River Valley Loans offers a variety of loan products, including personal loans, business loans, and mortgages.
The company also offers a variety of loan terms, so customers can find a loan that fits their needs. River Valley Loans is a great option for individuals and businesses who are looking for a reliable and affordable lending partner. The company has a long history of providing excellent customer service and is committed to helping its customers achieve their financial goals.