The WFL Lender Pool

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Last updated on July 24 2020
Commentary is for informational purposes only. See legal disclaimers here.

Lender Pool Background

As described on our home page, back in 2011 Lance Somerset took his first baby steps towards building a bad credit lender pool. Once he had 25+ lenders in his small pool he began making it available online. To do so he employed the help of a select few webmasters who utilized his lender pool on their finance related websites.

At the time of this writing Lance's pool has grown to over 500 private and institutional lenders.

Lender Criteria For Inclusion

All lenders in the pool have to pass the following criteria;

  • must be licensed to provide loans
  • must not use predatory lending tactics
  • cannot be payday loan companies

Special Data On

Currently we publish pool data on our site in three places;

Disclaimer: Please keep in mind that all of the data reffered to below is based solely on the information provided by our users, and we have no way to verify the information they provide. We try our best to make sure this information is accurate, but we in no way gaurantee you will get approved for a loan amount (or with an interest rate) similar to rates and amounts reported by past users. Please read our terms of service, and disclaimers for more.

  1. 5x5 City Neighborhood Volume / on each city page we provide our 5x5 loan application volume list. This is a list of the top five neighborhoods, ordered from 1 - 5. The top neighborhood on the list is where most applications originated from in the past 5 months. All of these loan applications are submitted through the WFL pool used on over 150 websites. All applicants agreed to have their credit score published anonymously to protect their privacy.
  2. Amounts of Last 5 Debt Service Loans By State / on our State pages we publish the 5 most recent debt service loans approved in that State. This information is volunteered by our users, and we have no idea how accurate their information is. We're only taking them at their word.
  3. Interest Rates of Last 5 Debt Service Loans by State / same as the 2.) data above, except our users are providing information on the interest rates they paid on their loans.


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