How do I apply for a loan?
There are 3 ways to apply with River City Finance:
- Call (270) 686-3002 and apply over the phone
- Stop by 2500 Frederica St. and apply in person
- For Sales Contracts, ask the dealer you are working with to fax an application to (270) 686-3005
How long will it take to get my loan?
In most cases, a decision can be made within an hour, and loan papers would be ready to sign the same day.
What if I have "less than perfect" credit?
River City Finance is in business to help people rebuild their credit and give them a second chance. We understand that everyone makes mistakes, or some things are beyond your control. We look at each applicant and situation individually.
What types of loans are available?
River City Finance will make loans for autos, debt consolidation, sales contracts, vacations...if you have the need, then we have the money.
Do you have offices in other areas?
We are the ONLY River City Finance. If you live outside of the posted lending area on our Homepage you can click on the LOCATIONS tab to see if there is a sister office in your area, or call our office at (270) 686-3002 for these locations.
What forms of payment do you accept?
We accept cash, check, money orders, and certified checks in the office or through the drop slot in the door. If dropping after hours, your payment is posted the next business day, which could result in a late charge if your grace period will expire. We also accept debit cards, processed via a third party, which will result in a charge by that company.
How will I receive my money when I am approved for a loan?
After approval, an appointment will be set up for your loan closing. The loan closing time varies from person to person, but usually takes less than 30 minutes. After all paperwork has been signed and all procedures are complete, you will be given a check for the amount you were approved for. If your loan is for consolidation or purchased goods, the check may be issued to the company requesting the payoff or the retail establishment selling the goods.
How do I cash the check I received for my loan?
We bank locally, and we have an agreement with our bank not to charge our customers. With a valid state issued ID, you can take the check to our bank and cash it for free, or simply deposit the check into your account at your bank.