Banks We Work With
Our Banking Network Includes Both Large and Small Banks and Credit Unions:
Here at Optima Financial Solutions Inc we understand that each person has their own financial needs. To help each client, we provide an array of financial products to fit every customer’s needs. To help every individual customer all we need is these 3 simple steps!
Just fill in your personal and job information to get your online loan application started.
With hundreds of banks in our network, we can instantly verify your information.
We understand time is money and we proudly provide money in minutes.
Optima Financial Solutions Inc values its clients' time, so we only need a few basic facts about you to make an informed decision.
No hidden penalties.
Instant online lending that gives you the funding access you need, right now. Access funds in as little as 2-4 hours!
I just want to thank you for your assistance with my loan. Optima Financial Solutiions Inc made the process easier and quicker than I thought it would be. I would recommend Optima Financial Solutiions Inc to anyone who may need a little help in catching up on bills.
I just wanted to say "thank you" for expediting my loan and helping me along the way. Optima Financial Solutiions Inc’s team was fantastic and made the process very easy. This loan will go a long way in helping me cover that unexpected expense and has put my mind at ease
Optima Financial Solutiions Inc verified my information, and once I was approved, I received my funds immediately. I have been able to pay off bills, which improved my credit rating, and I was also able to take care of some unforeseen emergencies.
Our Banking Network Includes Both Large and Small Banks and Credit Unions:
At Optima Financial Solutions Inc we offer Advanced Loans commonly called Payday Loans. These are short-term loan, typically for two weeks and you receive this funds the same day.
Must be at least 18 years old.
Receive steady income (ex. Employed, own a business, sub-contractor, etc.)
Have a bank account or debit card to receive the funds.
We understand that sometimes you need an extension on your payment and Optima Financial Solutions Inc is happy to reschedule your payment for a later date with no additional charges or penalties!
We take your privacy seriously, so we use the industry’s top encryption on our website so that third parties cannot intercept your data. Feel free to check our privacy policy for more details on this.
Annual Percentage Rate (APR) is a measure of the cost of credit, expressed as a nominal yearly rate. It relates to the amount and timing of value received by the consumer to the amount and timing of payments made. Optima Financial Solutions Inc cannot guarantee any APR, and APR will be determined based off the client’s application. Before accepting a loan, please read the loan agreement carefully as the APR and repayment terms may differ from person to person.
| Amount Borrowed | Fees Charged | Amount Due | APR(14 Days Term) |
|---|---|---|---|
| $50 | $8.82 | $58.82 | 460.16% |
| $100 | $17.65 | $117.65 | 460.16% |
| $150 | $26.47 | $176.47 | 460.16% |
| $200 | $35.29 | $235.29 | 460.16% |
| $255 | $45 | $300 | 460.16% |
| Amount Borrowed | Fees Charged | Amount Due | APR(30 Days Term) |
|---|---|---|---|
| $50 | $8.82 | $58.82 | 214.74% |
| $100 | $17.65 | $117.65 | 214.74% |
| $150 | $26.47 | $176.47 | 214.74% |
| $200 | $35.29 | $235.29 | 214.74% |
| $255 | $45 | $300 | 214.74% |
Optima Financial Solutions Inc is committed to helping its clients and accepts call ahead of clients for rescheduling payments. If clients cannot reschedule late payments and will not make any partial payments Optima Financial Solutions Inc will send client to collection and report your late credit to a credit reporting agency.
Contact Us:
Address: 11306 EAST 183RD ST SUITE 305A CERRITOS CA 90703
Phone Number: 818-856-4302
Email: support@ofsca.com
© 2022 Optima Financial Solutions Inc.
The licensee cannot use the criminal process against a customer to collect any deferred deposit transaction.
Optima Financial Solutions Inc may not accept any collateral in conjunction with a deferred deposit transaction. Optima Financial Solutions Inc cannot make a deferred deposit transaction contingent on the purchase of another product or service. Borrower’s check is part of a deferred deposit transaction made pursuant to Section 23035 of the Financial Code and is not subject to the provisions of Section 1719 of the Civil Code. The borrower may not be required to pay treble damages if this check does not clear. Dishonored Item Fee: Borrower will pay a fee to Lender of $ 15.00 if Borrower makes a payment on Borrower’s loan and the check or preauthorized charge with which Borrower pays is later dishonored.
Complaints and Concerns: Borrower can call the Department of Financial Protection and Innovation's toll-free telephone number: 866-275-2677 for making complaints and concerns calls.
Optima Financial Solutions Inc is licensed by the Department of Financial Protection and Innovation pursuant to the California Deferred Deposit Transaction Law See The License. California loans other than deferred deposit loans are issued pursuant to the California Financing Law.