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Financial

ABOUT US

Meridian Financial is a consumer finance company focused on providing credit to the market that mainstream lenders have abandoned. We use technology and analytics to quickly evaluate, underwrite and provide financing over the internet.

Our mission is to provide underserved customers with transparent credit and lower their borrowing cost over time.

WHO WE SERVE

Traditional approaches to non-prime credit in the United States have failed. Sustained economic trends have left a significant portion of the adult population with flat or lower wages, less savings and few credit options. Banks and other mainstream lenders have not innovated to serve this large and growing market. We believe our products help solve this problem by providing responsible and transparent credit options.

REAL WAGES

  • For people below the 90th percentile of wage earners, real wages have been flat over the last 20 years and down since the financials crisis of 2009 between 2007 and 2013

CREDIT

  • Nearly 100 Billion of mainstream revolving credit has been withdrawn since 2009
  • 44% of the Adult population is non-prime
  • 22% of the Adult population is credit invisible

SAVINGS

  • 47% of American adults say they could not cover an emergency expense costing $400, or would cover it by selling something or borrowing money
  • 41% Americans experience

OUR APPROACH

We believe that non-prime consumers need access to credit that is transparent, responsible and fairly priced to the risk. Our products are competitively priced and convenient without hidden fees. In addition, the rates do go down over time as customers develop credit with us and we reported to credit bureaus. We believe this approach is the right thing to do and will result in a more successful long-term relationship with our customers.

LOAN CHARACTERISTIC

  • Size the loan to their income
  • All payments go towards interest and principal
  • Encourage customers to get out of debt as quickly as possible
  • 3- day risk free guarantee

OPPORTUNITY TO BUILD INTERNAL & EXTERNAL CREDIT

  • Nearly 100 Billion of mainstream revolving credit has been withdrawn since 2009
  • 44% of the Adult population is non-prime
  • 22% of the Adult population is credit invisible

LICENSED & COMPLIANT

  • Licensed in each state in which we do business
  • Comply with all state and federal laws and regulations
  • Transparent terms

CONTACT US

Send us mail

PRODUCTS

Click here to check out EmoneyUSA

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eMoneyUSA’s call centers are located in Prairie Village, Kansas. Our goal is to provide a better alternative to payday loans. By using installment loans, our customers are given more time to repay the loan and pay toward the principal on every payment. There is not a penalty for paying your loan off early. If you are having trouble making a payment simply call, text or e-mail our experienced customer service agents to help.