Urban Payday Loans appears to be a local financial service operating from 844 E Jersey St, Elizabeth, New Jersey. The organization’s core function centers on providing short-term lending options to residents within its immediate community, reflecting a model common to neighborhood payday lenders that aim to address temporary cash needs. Historically, such entities emerged to offer rapid access to funds outside traditional banking channels, often emphasizing straightforward eligibility and quick disbursement processes. The facility likely serves clients within Elizabeth and adjacent parts of Union County, focusing on storefront operations and in-person customer interactions. Primary activities typically include loan origination, repayment scheduling, and customer assistance related to loan terms, though exact policies and practices are not detailed here. Operational scope appears geographically centered on New Jersey, with emphasis on local accessibility rather than nationwide services.
Better than 64% of providers in Elizabeth
Links and information about Urban Payday Loans:
Despite the odds, you need to worry about the future. Payday loans in New Jersey (NJ) are a good option if you need to borrow money
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Urban Payday Loans is a verified financial service provider. This means we have confirmed their business information, contact details, and they have received customer reviews. You can trust this provider for your financial needs.
Find answers to common questions
Urban Payday Loans is listed as a financial service provider in Elizabeth, NJ and must follow both state and federal regulations that apply to this type of business. As with any financial provider, you should review the agreement carefully before signing, make sure you understand all fees and repayment terms, and only use official contact details from this page or the company's own website. Avoid sharing personal or payment information with anyone who contacts you unexpectedly and, if something seems unclear, ask Urban Payday Loans to explain the terms in writing before you proceed.
To improve your chances of getting better terms from Urban Payday Loans, be prepared with accurate information about your income, existing debts, and the amount you really need to borrow. If possible, check your credit history in advance, avoid late payments on other accounts, and consider offering collateral if the product allows it, as stronger overall finances can help you qualify for more favorable rates or fees. It's also a good idea to compare Urban Payday Loans with other providers in Elizabeth and to ask directly about any current promotions, loyalty benefits, or ways to reduce the total cost of your loan.
Urban Payday Loans has a rating of 4.0, which is better than 64% of providers in Elizabeth.
Requirements can vary by product, but for most visits you should be ready to bring a valid government-issued ID, proof of income (such as recent pay stubs or bank statements), and proof of address like a utility bill or lease. If you are applying for a title or secured loan, you may also need the vehicle title, registration, and insurance details, along with any other documents Urban Payday Loans requests. It is always best to call ahead using the phone number on this page so Urban Payday Loans can confirm exactly which documents you need for your specific situation.
In addition to its primary service, Urban Payday Loans also offers: Loan agency.