Urban Payday Loans appears to be a local payday lending operation located at 243 20th Ave, Paterson, New Jersey. As a storefront financial service, the entity likely provides short-term loans in the Paterson area, consistent with similar establishments that offer small-dollar borrowings intended to bridge temporary cash needs. The organization’s activities can be understood in the context of small, interim financing typically aimed at individuals seeking quick access to funds between pay cycles.
Historical and operational overview - Local, small-footprint presence: The address situates the business within Paterson, reflecting a neighborhood-level service model common to payday lenders. - Primary function: Facilitate short-term, cash-on-hand needs for residents, typically with quick approval processes and repayment terms aligned to upcoming income. - Regulatory context: As a consumer-financial service provider, the entity operates under New Jersey state and federal consumer-lending rules applicable to payday structures.
Better than 82% of providers in Paterson
Links and information about Urban Payday Loans:
EZ LOANS, INC. CFPB SMALL BUSINESS REVIEW PRESENTATION TAMMY A ADKINS- CORPORATE OPERATIONS MANAGER With 17 years banking experience, 1 have witnessed many changes affecting consumers. For the past 15 years I have worked with Payday Loans to Installment Loans.... 1997 and commenced operations in earJy 1998 with just myself and two employees. The Company currently operates 23 retail loan centers in the State of Arizona with three processing centers and corporate offices in Scottsdale, Arizona...
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sjdigitalsolutions.comEDIT1: We have a main office in the city I live in. We operate several satellite location across the globe. Our fees are $30 for every $100 that is borrowed (every two weeks). We operate in about half the US - mostly in states that specifically have laws against or at least limiting payday loans.... We offer loans to customers that reputable companies (is there such a thing in the business?) would not make because of laws and limitations. We will never send an account to an outside collection...
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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 Paterson, 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 Paterson 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 5.0, which is better than 82% of providers in Paterson.
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.