Dothan AL
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Alabama Lenders > Dothan

This page was last updated September 2018

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Fair Credit Lenders in Dothan AL

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Five Star Credit Union
411 N Foster St Dothan
AL 36302 - 888.619.1711
www.fivestarcu.com

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Avadian Credit Union
2378 W Main St, Dothan
AL 36301 - www.avadiancu.com
334.702.8759

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Tyndall Federal Credit Union
4674 W Main St, Dothan
AL 36305 - tyndall.org
334.792.0952

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Avadian Credit Union
1144 Ross Clark Cir, Dothan
AL 36301 - www.avadiancu.com
334.702.8741

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Five Star Credit
3331 W Main St, Dothan
AL 36305 - www.fivestarcu.com
334.794.8171

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Sunsouth Bank
108 Jamestown Blvd, Dothan
AL 36301 - sunsouthbank.com
334.677.4411

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Friend Bank
3105 Ross Clark Cir, Dothan
AL 36303 - friendbank.net
334.792.2550

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Ameris Bank
3299 Ross Clark Cir, Dothan
AL 36303 - 334.671.4000
banks.amerisbank.com

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PeoplesSouth Bank
2926 Ross Clark Cir, Dothan
AL 36301 - 334.793.3909
www.peoplessouth.com

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MidSouth Bank
2526 W Main Street Dothan
AL 36301 - 334.702.7774
www.bankmidsouth.com


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Bad Credit Loan Form for Dothan

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Dothan Lender Service Area Map

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Dothan AL 5x5 Loan App Volume

Top 5 Dothan neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated: Monthly.

  1. Northside
  2. Princeton Drive
  3. Sweetwater Apartments
  4. Chinook/North Oates
  5. Fortner

SkyVue Drive-In Theatre in Dothan Alabama: Licensing/Credit

Bad Credit Loan Example for Dothan

Connie is on disability support and needs help consolidating some of her debts and also reducing her costs.

She wants to have one payment a month instead of several that are based on higher interest rates. She is not looking for a large loan and plans to repay the loan over a two-year period.

She needed to purchase several support devices and also make some modifications to her home. She is much more comfortable now and able to enjoy life more comfortably.

Connie charged most of these changes to a credit card and is paying high interest rates on the unpaid balance. She really tried to limit what she spent on her home etc. she also had a lot of help from some friends and her family.

She is very fortunate to have had all of this help otherwise it would have cost her a lot more money, which she probably could not have been able to afford.

She has applied for a $3000 installment loan and requested a 2-year term to repay the loan.

A $3000 loan with an two-year term and 4.9% interest rate for Connie would cost her the following per month:

• Loan Amount (principal) = $3000
• Interest Rate = 4.9%
• Term Length = 2 year
• Monthly Payment = $131.48
• Total Paid Back = $3155.52
• Total Interest = $155.52

Connie provided all of the information needed to support her loan application. She included all of her disability income sources, her current expenses and a list of all of her current debts.

Her debts amounted to the three thousand dollars she is trying to replace with the loan she is applying for. Connie’s credit rating is also in good shape and she can qualify for a lower interest rate loan.

This loan will be difficult for Connie to pay each month. With her limited income she does not have much money left at the end of the month to use to enjoy any extra’s.

For the next two years she is going to be on a very tight budget, however if she is approved for this loan she will actually reduce her total costs by paying less interest overall.

This is a situation that many consumers find themselves in. Not enough income to support the life style they would like to lead. In Connie’s case it is no fault of her own, she cannot really do anything about her disabilities.

If she has not already done so she should look into whether there is any support for the expenses she has from various support organizations.

With the loan in place, Connie is now focused on trying to gain some financial support for her disabilities beyond what she is now receiving.

If successful, it would make a drastic change in her life. She would also be able to repay this installment loan more quickly than originally planned.

It is a struggle for Connie dealing with her disabilities, but at least she is getting some help now and will be able to be much more comfortable in her own home.

A shout out to all living in the Dothan Alabama area. If you need a loan regardless of credit, we may be able to help you today.

Sincerely,

Lance Somerset

Lance Somerset founded the We Find Lenders Pool. He writes for WFL on rare occasions just for the fun of it, and to stay current with the content on our web site. His son Andy and daughter Chris handle most of the research and writing.

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Employment & Education Advancement Opportunities in Dothan AL

If you live in the Dothan area, you can use these links to research job and/or education advancement(s).

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Dothan AL

Dothan Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling Services
175 Belmont Drive #1 Dothan
AL 36305 - 334.712.1992
creditcounselingservicesusa.com

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Money Management Services
3105 Westgate Pkwy, Dothan
AL 36303 - 334.793.3086
www.moneymanagement.org

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Dothan Assistance Programs

Food Bank: Wiregrass Area Food Bank / Address: 382 Twitchell Rod, Dothan, AL 36303 / Phone: 334.794.9775

Hot/Cold Meals: Moma Tina's Mission House / Address: 605 North Alice Street, Dothan, AL 36303 / Phone: 334.699.6886

Shelter In Case of Eviction: Dothan Rescue Mission / Address: 216 East Crawford Street, Dothan, AL 36301 / Phone: 334.794.4637

Social Assistance Programs: Dothan Housing Authority / Address: 602 South Lena Street, Dothan, AL 36301 / Phone: 334.794.6713

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Usury Law in Dothan AL

Summary of Dothan Alabama Usury Law(s) / Legal: 6% Contract: 1% above discount rate or Greater of 8% or 2% above prime Judgment: 12% Corporate: Any rate agreed to above $2000.

If you believe any Dothan Alabama based lender charging up front fees or anything else questionable, you can file a complaint:

Alabama Agency for Handling Complaints / State of Alabama Banking Department / Send letters in writing to Arlene Baldwin / P.O. Box 4600 / Montgomery , AL 36103-4600
334.242.3452

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WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
  • Applying does not worsen your credit score
  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
  • Lenders who provide bad credit consolidation
  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

Debt Consolidation Loan Calculator

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