Finding a Continental Loans Location Near You

When you need access to fast cash, a small loan from Continental Loans can be a convenient solution. With over 1,200 locations across the country, Continental Loans has a wide network of stores to serve customers in their local communities In this article, we’ll look at tips for finding a Continental Loans near you so you can get the financial assistance you need

Overview of Continental Loans

Continental Loans is a leading provider of small-dollar loans and tax preparation services The company is part of the Security Finance network of lending brands Some key facts about Continental Loans

• Continental Loans offers personal installment loans from $500 to $4,000 with terms from 3 to 24 months.

• Loans can be used for a variety of needs like unexpected bills, home repairs, medical expenses, and more.

• Continental Loans has 1,260+ store locations across 16 states. Major markets include Texas, South Carolina, Alabama, Mississippi, and Tennessee.

• Since 1928, the company has served over 1 million customers with convenient financial solutions.

• In addition to loans, Continental Loans also provides income tax preparation services at select locations.

• Continental Loans is an active member of the communities it serves. The company supports local charities and provides financial literacy programs.

Finding a Location Near You

With so many locations across the Southern and Midwestern United States, there are plenty of opportunities to find a Continental Loans store near you. Here are some tips to locate a convenient branch in your area:

• Use the store locator on their website – The easiest way to find a location is to enter your zip code or city on the Continental Loans store locator. It will instantly pull up the nearest branches.

• Check major metros and mid-sized cities – Continental Loans tends to have a strong presence in metropolitan areas like Houston, San Antonio, Birmingham, Memphis, and Columbia. Check in suburbs and neighboring towns too.

• Look along major highways & commercial corridors – Many Continental Loans branches are situated along busy roads and highways near shopping centers and malls where there is high visibility and traffic.

• Search by your work or school – Finding a location close to your workplace or college campus offers convenience for stopping by on your lunch break or after class.

• Call the customer service line – Speaking with a Continental Loans customer service representative by calling 800-937-0242 is another simple way to find a store near your location.

• Walk or drive around town – Keep an eye out for Continental Loans’ signature green signs in your neighborhood or along your regular commutes around town.

Once you zero in on a few convenient locations, you can visit in person to confirm hours or call ahead to ask any questions about their loan products and services.

What to Expect When Visiting a Continental Loans Branch

Knowing what to expect when you walk into a Continental Loans store can make the experience smooth and efficient. Here are some things to keep in mind for your branch visit:

• Bring required documents – To apply for a loan, you’ll need to provide proof of identity, income, residential address, and other personal information. Having these documents ready saves time.

• Expect a credit check – Continental Loans will run a credit check as part of determining your eligibility and loan terms. Be prepared to provide your Social Security Number and date of birth.

• Discuss your needs – Let the branch manager know you’re interested in a personal loan and the purpose. They can explain available options and amounts.

• Fill out the application – The loan application is completed in-person on a digital tablet. A representative can guide you through the application questions.

• Get same or next day funding – If approved, you could walk out with a check in hand or funds direct deposited as soon as the next business day.

• Ask about repayment – Discuss the repayment schedule, methods (in-person, debit, etc), and any options if you’re facing difficulty making payments.

• Inquire about other services – Continental Loans also offers money orders, wire transfers, prepaid debit cards, insurance, and check cashing in many locations. Ask what’s available.

Visiting a local branch allows you to have a one-on-one conversation about Continental Loans’ products, get personalized service, and walk out with cash in hand quickly if approved.

Continental Loans’ Products and Fees

When considering a loan from Continental Loans, it’s good to understand their standard rates and fees so you know what to expect. Here is an overview:

• Interest rates – Continental Loans charges interest starting at 29% to 35% APR. The specific rate offered depends on factors like your credit history, income, and current debt obligations.

• Origination fees – Expect an origination fee of approximately 10% of the loan amount. This fee is deducted from the total loan proceeds. For a $1,000 loan, a $100 origination fee would bring the net loan amount to $900.

• Late fees – Paying late will result in a late fee, typically around $20 or 5% of the late monthly installment, whichever is greater. This helps cover administrative costs of collecting late payments.

• Returned payment fees – If your payment is returned for non-sufficient funds, expect a bounced check fee around $25 to $30. Make sure funds are available to avoid this extra cost.

• Prepayment penalties – Continental Loans does not charge any prepayment fees if you pay off your full balance early. You can repay ahead of schedule with no penalties.

Always confirm actual rates and fees with your local branch as promotional offers, state laws, loan amounts, and other factors can affect pricing. Ask plenty of questions upfront so you know the total costs.

Tips for Getting a Loan

If you need quick access to a small personal loan, here are some tips for having a smooth and successful experience with Continental Loans:

• Have required documents ready – To get approved quickly, have pay stubs, ID, bank statements, utility bills proving your address, and any other required income and identity verification handy.

• Know your credit score – Getting a copy of your credit report ahead of time lets you understand your chances. Credit scores under 600 may face more denials or higher rates.

• Avoid new credit inquiries – Every credit check can knock down your score slightly. Try not to apply for other loans or credit cards in the few months preceding your application.

• Pay down existing debt – Carrying high balances on credit cards and other debt makes lenders less likely to approve new loans. Pay off cards and loans if possible.

• Bring evidence you can repay – Proof of steady income sources demonstrates your ability to manage repayment and boosts your chances for a yes.

• Take only what you need – Borrowing more than necessary means paying more interest. Keep the loan amount to the exact funds required.

• Autopay helps – Setting up autopay directly from your bank account shows financial stability and reliability.

Following these tips can position you to get funded quickly so you can take care of whatever situation has you needing fast access to cash.

Alternatives to Consider

While Continental Loans is one option for borrowing money, it pays to look at alternatives as well so you can compare and make the best choice. Other possibilities include:

• Personal loans from banks and credit unions – May offer lower rates for borrowers with good credit. Apply directly or via lending sites like Upstart and LendingClub.

• Payday alternative loans from credit unions – Some credit unions offer small loans at lower rates as an alternative to high-cost payday lenders.

• Peer-to-peer lending marketplaces – Sites like Prosper and Upstart connect borrowers and individual lenders for personal loan options beyond banks.

• Employer-sponsored loans – Some employers partner with lenders to offer low-rate loans as a workplace benefit. Check if yours has such a program.

• Borrowing from family/friends – For some, asking loved ones for a loan can be preferable to dealing with a financial institution.

• Low-interest credit cards – Balance transfer or personal loan credit cards can offer lower interest rates for borrowers looking to consolidate high-rate debt.

Be sure to factor in all costs like origination fees, penalties for early payoff, etc when comparing loan alternatives. Having options allows you to make the most advantageous choice for your needs.

Wrap Up

With over 1,200 branches across 16 states, Continental Loans can be a convenient solution when you need fast access to emergency funds. Following the tips outlined here will allow you to track down a location near you, know what to expect when you visit, improve your chances for approval, and consider alternatives. With the right location to serve you and the right loan product for your situation, Continental Loans can provide the temporary assistance you need to overcome a financial hurdle.