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First Virginia Loans may be a good solution for getting quick cash when you need it, but before you apply with them, you want to ensure that it is safe to deal with the company and it is not a scam.

That is why, you should read this review.

Initial Information

First Virginia Loans belongs to Community Choice Financial, a holding company that was established in 2011.

The mission of this financial services company is to help Americans to cover their expenses if there are no sufficient funds in their budget.

The services are available in 500 different locations across the USA, and in order to find out if they are provided in your location, you should enter your zip code on the site of the company.

It is a legit company that operates based on officially issued licenses.


First Virginia Loans

Loans and Conditions

All loans that you can apply for with the financial company are provided by Cash Central, a member of this Financial Family.

Usually, it is possible to apply for a single payroll advance for two-four weeks but the term can be extended for months, which can be quite expensive.

If you are looking for long-term loans, payroll advances are not recommended for you.

It is important to note that conditions may vary based on your location.

For instance, if you live in Alabama, you can apply for an installment loan in the amount ranging from $2,000 to $5,000 for up to two years.

Also, you can opt for a payday loan in the amount ranging from $100 to $500 from 10 to 30 days.

APR depends on the loan terms.

For instance, they offer 354.86% for 18 days to 638.75% for 10 days.

Moreover, there is a fee of $30 for earlier returned payments, but it may really vary depending on types of loans.

How to Apply

Not all applications are approved, and in order to get a loan, you need to qualify.

You can fill out and submit your application right on the website of the company.

You will be taken to a certain application page based on your state, where you will have to provide some information about yourself, including your job.

Customer Reviews and Ratings

On Pissed Consumer, it has a rating of 1.3 out of 5.

According to customer reviews, the service provider changes policies without notice, has high interest rates, and takes money without notice.

First Virginia Loans does not have BBB’s accreditation and no complaints on its website, but Community Choice Financial does have a rating of A+ and 8 negative customer reviews.

Bottom line

First Virginia Loans is a safe and legit way to get some money when you need it, and you should not be afraid of a scam.

However, as you can see from this review, there are some negative opinions on the service provider.

Although it is impossible to keep all customers satisfied, before you make a deal with this company, it is recommended to check their conditions carefully as well as what customers think of it to avoid unpleasant situations.

Submit your Request, Qualify and Get Money Online

Representative Examples of APR, Total Loan Costs & Fee

LOAN AMOUNT $2,500 $5,000
INTEREST RATE 16.00% 13.00%
LOAN TERM 36 Mos 48 Mos
FEE 10.00% 12.00%
MONTHLY PAYMENT $87.89 $131.67
APR 22.93% 18.23%
TOTAL PAYMENTS $3,164.13 $6,320.12
TOTAL COSTS $914.13 $1,920.12 does not provide loans itself, it is important to contact the lender you are connected with directly to obtain the specific details of your loan agreement.