Huntsville AL
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Alabama Lenders > Huntsville

This page was last updated September 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Fair Credit Lenders in Huntsville AL

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Redstone Federal Credit Union
220 Wynn Dr NW Huntsville
AL 35893 - www.redfcu.org
256.837.6110

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North Alabama Educators CU
2100 Sparkman Dr NW, Huntsville
AL 35810 - www.naecu.org
256.852.0408

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Redstone Federal Credit Union
11800 Memorial Pkwy SW
Huntsville - AL 35803
www.redfcu.org - 256.837.6110

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Redstone Federal Credit Union
1430 Weatherly Rd SE, Huntsville
AL 35803 - www.redfcu.org
256.837.6110

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Rocket City Federal Credit Union
2200 Clinton Ave W, Huntsville
AL 35805 - www.rocketcityfcu.org
256.533.0541

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Bryant Bank
320 Pelham Ave SW #100, Huntsville
AL 35801 - www.bryantbank.com
256.535.1045

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ServisFirst Bank
401 Meridian St N Suite 100
Huntsville - AL 35801
servisfirstbank.com
256.722.7800

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Progress Bank
201 Williams Ave SW, Huntsville
AL 35801 - myprogressbank.com
256.319.3600

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Wells Fargo Bank
409 Madison St SE, Huntsville
AL 35801 - www.wellsfargo.com
256.551.4113

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North Alabama Bank
220 Providence Main Street NW #100
Huntsville - AL 35806
www.northalabamabank.com
256.382.0150

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Bad Credit Loan Form for Huntsville

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Huntsville Lender Service Area Map

Huntsville Bad Credit Lenders Map - Initial Static Image

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Huntsville AL 5x5 Loan App Volume

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

  1. Five Points
  2. Medical District
  3. Nick Davis Rd/Wall Triana Hwy
  4. Cavalry Hill/Terry Heights
  5. Dallas Mills

Rockets Museum in Huntsville Alabama: Licensing/Credit

Bad Credit Loan In Huntsville

Louise's car broke down the other day on the road on the way to work. She had to have a tow truck pick up the car and take it to the closest repair shop for repairs.

She just got the report from the mechanic and she may as well look for another car. He told her that it is almost not repairable.

A major tune up, new tires because the tires on the car are bald and the muffler system is almost ready to fall off.

He also told her that the rad is looking pretty corroded and may not last much longer.

She is wondering if she should get a car loan for repairs or to find another car. The mechanic told her he would have the car taken to the wreckers for free.

He would collect whatever he could get for the car and she would not owe anything for his time.

She decided that her best solution was to find another car that is certified and has good tires on it. She cannot afford very much and only has $2000 as a down payment on another car.

Louise has been looking at several cars in the $8500 range. If she were to buy one of these she would need a car loan of approximately $6500, which would include all of the transfer fees and new insurance for the car.

Louise really has no choice. She needs a car to get to work and she is not going to buy a new car even though the loan deals are really cheap at the moment.

She just cannot afford the monthly payments and is opting to apply for a car loan of $6500 and trying to negotiate a better deal on the car she wants to purchase.

A $6500 loan with a seven-year term and 8.7% interest rate for Louise would cost her the following per month:

• Loan Amount (principal) = $6500
• Interest Rate = 8.7%
• Term Length = 7 year
• Monthly Payment = $103.59
• Total Paid Back = $8701.74
• Total Interest = $2201.74

Between negotiating a better deal and being approved for a car loan that will only cost her a little more than $100 a month, Louise was able to buy a car that had been listed for $9000.

She picks up the car in the next few days and is really looking forward to driving a car that is much more dependable than the last one.

Her credit score was good and she had no other debts to consider. She was considered a good credit risk and the lender placed a lien against the car she purchased.

This is pretty standard in the industry. It protects the lender if Louise is unable to meet the monthly payments.

Her car would be repossessed and sold for the remaining balance on the loan.

Although this loan has a long term, seven years, Louise is hoping to repay the loan more quickly. She intends to make two extra payments each year and maybe bring the term down to five or six years instead of seven.

She will save some interest charges if she is able to make these extra payments.

A shout out to all living in the Huntsville 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 Huntsville AL

If you live in the Huntsville 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 Huntsville AL

Huntsville Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling
500 Wynn Dr NW #522 Huntsville
AL 35816 - 256.881.1000
www.mycreditcounselors.com

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Turning Point Credit Services
933 Cook Ave NW, Huntsville
AL 35801 - 256.536.0506

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Credit 1 USA
3125 University Dr STE B
Huntsville, AL 35816
www.credit1usa.com
855.273.3663

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Huntsville Assistance Programs

Food Bank: Food Bank of North Alabama / Address: 2000 Vernon Avenue Southwest, Huntsville, AL 35805 / Phone: 256.539.2256

Hot/Cold Meals: Rose of Sharon Soup Kitchen / Address: 2412 Memorial Parkway Northwest, Huntsville, AL 35810 / Phone: 256.536.2970

Shelter In Case of Eviction: Downtown Rescue Mission / Address: 1400 Evangel Drive Northwest, Huntsville, AL 35816 / Phone: 256.536.2441

Social Assistance Programs: Department Of Human Resources Food Stamps / Address: 2206 Oakwood Avenue Northwest, Huntsville, AL 35810 / Phone: 256.427.6000

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Usury and Regis. in Huntsville AL

Summary of Huntsville 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 Huntsville 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

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