Tuscaloosa AL
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Alabama Lenders > Tuscaloosa

This page was last updated November 2018

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

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Fair Credit Lenders in Tuscaloosa AL

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Alabama Credit Union
220 Paul W Bryant Dr Tuscaloosa
AL 35401 - www.alabamacu.com
888.817.2002

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RiverFall Credit Union
5461 Kauloosa Ave, Tuscaloosa
AL 35405 - www.riverfallcu.com
205.759.1505

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Tuscaloosa Credit Union
3913 McFarland Blvd, Northport
AL 35476 - www.tuscaloosacu.org
205.469.0530

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Tuscaloosa County Credit Union
2605 7th St, Tuscaloosa
AL 35401 - 205.344.5100
www.tuscaloosacountycu.com

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Alabama One Credit Union
1215 Veterans Memorial Parkway
Tuscaloosa, AL 35404
alabamaone.org - 205.344.5100
205.759.1595

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Synovus - Bank of Tuscaloosa
2200 Jack Warner Pkwy, Tuscaloosa
AL 35401 - www.synovus.com
205.345.6200

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Cadence Bank - Tuscaloosa Main Branch
2020 University Blvd Suite 100
Tuscaloosa, AL 35401 - cadencebank.com
205.345.5870

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Capstone Bank (division of SmartBank)
2301 University Blvd, Tuscaloosa
AL 35401 - www.capstonebankal.com
205.469.4000

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Bryant Bank
1550 Mcfarland Blvd N, Tuscaloosa
AL 35406 - www.bryantbank.com
205.464.4646

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BBVA Compass
2390 McFarland Boulevard E Tuscaloosa
AL 35404 - www.bbvacompass.com
205.391.2565

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Bad Credit Loan Form for Tuscaloosa

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Tuscaloosa Lender Service Area Map

Tuscaloosa Bad Credit Lenders Map - Initial Static Image

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Tuscaloosa AL 5x5 Loan App Volume

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

  1. Vance (city nearby Tuscaloosa)
  2. Northport
  3. Downtown Tuscaloosa
  4. Coaling (city nearby Tuscaloosa)
  5. Holt (city nearby Tuscaloosa)
 

Bama Theatre Tuscaloosa Alabama: Licensing/Credit

Bad Credit Loan In Tuscaloosa

Don got behind on his monthly payments for rent and utilities and now risks being evicted unless he can come up with $2000 in the next few days to pay all of his overdue payments.

Don was out of work for a couple of weeks and he just did not have the money to pay these bills.

He had a choice of either putting food on the table for his family or pay for the rent. He chose putting food on the table.

Both he and his wife are now both working and they expect to be paid in the next couple of weeks.

However, this will be too late to stop the eviction. He would like to borrow this small amount of money, pay his rent and his utilities and then begin paying on his loan.

But Don does not have the best track record over the past few years and his credit score is not good.

Don has been habitually late meeting credit card payments, utility payments and now his monthly rent payments.

After several reports to the credit agencies by various companies he owes money to, his credit score has sunk into the bad category.

As expected he is having a very difficult time finding a lender willing to take a chance on him and his family. Many will flatly refuse to lend him any money at all and those that do will charge really high fees and interest rates to cover the perceived risk that they are taking.

It can be really difficult to recover from this kind of situation. He needs two thousand in the next few days if he is to avoid eviction.

A $2000 loan with a two-year term and 5.5% interest rate for Don would cost him the following per month:

• Loan Amount (principal) = $2000
• Interest Rate = 5.5%
• Term Length = 2 year
• Monthly Payment = $88.19
• Total Paid Back = $2116.59
• Total Interest = $116.59

Don is desperate and will do just about anything to avoid this eviction. Even with this bad credit score and his bad track record of not paying his debts on time, he is still hopeful that he will be able to have a loan approved in time.

He has offered to have the loan payments taken directly from his paycheck. His employer has agreed to remit the monthly payment to the lender, which is a very positive thing for any employer to commit to.

Don has also offered for the lender to pay his debtors directly rather than remit the loan amount to his bank account. It helps to ensure that the funds go directly to the accounts he owes money to and does not somehow get redirected.

Even with all of these commitments, Don will be fortunate if a lender will take a chance on him. Obviously more discussion and even negotiation may be required before he finds a lender that will be willing to take on this risk.

It is a relatively small amount of money, but it can be very difficult to find a loan once you have a bad credit rating.

A shout out to all living in the Tuscaloosa 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.

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Employment & Education Advancement Opportunities in Tuscaloosa AL

If you live in the Tuscaloosa 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 Tuscaloosa AL

Tuscaloosa Credit Counsellors Map - Initial Static Image

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Superior Credit Repair
(southwest of Tuscaloosa)
3741 Grey Hill Rd West Blocton
AL 35184 - 888.715.2400
superiorcreditrepaironline.com

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Financial Services
(northeast of Tuscaloosa)
1020 9th Ave SW, Bessemer
AL 35022 - 205.481.2089

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Tuscaloosa Assistance Programs

Food Bank: West Alabama Food Bank / Address: 3160 McFarland Boulevard, Northport, AL 35476 / Phone: 205.333.5353

Hot/Cold Meals: Community Soup Bowl / Address: 1711 23rd Avenue, Tuscaloosa, AL 35401 / Phone: 205.752.2421

Shelter In Case of Eviction: Catholic Family Services / Address: 608 James I Harrison Junior Parkway, Tuscaloosa, AL 35405 / Phone: 205.759.1268

Social Assistance Programs: Food Stamps / Address: 3716 12th Ave East, Tuscaloosa, AL 35405 / Phone: 205.562.6100

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Usury Law in Tuscaloosa AL

Summary of Tuscaloosa 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 Tuscaloosa 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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