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This page was last updated July 2018

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Fair Credit Lenders in Stamford CT

Lenders: contact us for listing removal.

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Stamford Federal Credit Union
888 Washington Blvd Stamford
CT 06901 - www.stamfordcu.org
203.977.4701

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Fairfield County FCU
242 Hope St, Stamford
CT 06906, 203.324.2144
fairfieldcountyfcu.org

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Stamford Postal Employees FCU
2001 W Main St #165, Stamford
CT 06902 - spefcu.com
203.964.1229

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Suma Yonkers Federal Credit Union
39 Clovelly Rd, Stamford
CT 06902 - www.sumafcu.org
203.969.0498

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Pitney Bowes Employees FCU
2777 Summer St #208A, Stamford
CT 06905 - www.pbefcu.com
203.356.5965

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Stamford Hospital Employee CU
166 W Broad St, Stamford
CT 06902 - www.shccu.org
203.325.7519

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Stamford Healthcare CU
146 W Broad St Suite 103, Stamford
CT 06902 - www.shccu.org
203.316.9111

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General Electric Employees FCU
800 Long Ridge Rd, Stamford
CT 06902, 800.922.8472

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First County Bank
637 Shippan Ave, Stamford
CT 06902 - www.firstcountybank.com
203.462.3608

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People's United Bank
1022 High Ridge Road Stamford
CT 06905 - branches.peoples.com
203.968.2783

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Bad Credit Loans in Stamford CT

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Accessing Bad Credit Lender Pool (?)

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Stamford CT Lender Area Map

Stamford Bad Credit Lenders Map - Initial Static Image

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Stamford CT Loan App Volume

Top 5 Stamford neighborhood loan app volume

  1. West Side
  2. Shippan Point
  3. Downtown Stamford
  4. East Side
  5. Belltown

Avon Theatre in Stamford Connecticut: Licensing

Stamford Bad Credit Loan Example

Joe is a full time bartender in Stamford Connecticut and he has been making a decent living for over 15 years now. His money management was always good, until he had a medical emergency that set him back (in a big way).

He had a bad car accident which resulted in a medical bill of just over $70000. And to make matters worse, he ended up using all of his credit card balances. Not to mention, he was off work for over 6 months!

All this bad luck resulted in his credit score being annihilated. He didn't have any soft place to land for financial help either. One of his parents passed away already, and his surviving father was in no financial position to lend him the money (for a low interest or no interest loan).

Joe has medical insurance coverage, but when it came time to pay up, they only provided a portion of his financial liability. Some loop-hole in his insurance contract set him up for financial devastation (how do these people honestly sleep at night!).

It was a horrible and emotional problem for Joe to deal with. First, he's laid up in the hospital dealing with a lot of pain and discomfort, and all the while he was helpless to just watch his debt accumulate.

He felt he had no other option but to try and get a loan from his main branch where he does all his banking. The problem was that his credit score was now fairly low (coming in at 630). There are millions of consumers in America with much lower scores but 630 still makes it a challenge to find a lender willing to give you an great (low) Interest rate.

So you can see where I'm going with this - he was denied a loan from his main branch in downtown Stamford. So then he tried a couple of Stamford local credit unions; that too, didn't yield a decent loan! What's even worse, is that by applying with three different institutional lenders, his credit score was further damaged. It's a deeply unfortunate reality when it comes to applying for credit.

So did the natural thing, and started searching with Bing, Yahoo, and Google to try and find some willing lenders in Stamford that give loans to people with bad credit; and not predatory payday loan companies. He wanted a reasonable interest rate that didn't strangle him with more fees, and hidden penalties. He wanted a loan from a legitimate lender willing to lend him $100,000 over a long period of time.

He found the WFL Project online and started his journey through our free service. He told us he actually applied twice before he found a lender interested in his case.

Below we are publishing Joe's approved loan calculations:

• Loan Amount (principal) = $100,000
• Interest Rate = 9.87%
• Term Length = 10 years
• Monthly Payment = $1314.32
• Total Paid Back = $15,7718.29
• Total Interest = $57,718.29

You can see how expense this loan ended up being over a ten year term. Brutal amount of interest to the lender coming in at almost $58,000 dollars. And the payments are quite high at over $1300 a month.

So what Joe did was keep rebuilding his credit, worked really hard doing extra shifts, and sold his house. After selling his house he moved in with his girlfriend of five years. Eventually (over a two year period) he improved his credit rating so much that he was able to transfer his loan to another bank at a lower rate.

It's by now easy task that he managed to deal with the money owed, but he stayed true to his new budget, and found a way to make extra money.

If you're living in Stamford Connecticut like Joe, and need a loan regardless of your credit rating, we may be able to help you find a willing lender.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Stamford CT

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Stamford Credit Counseling

Stamford Credit Counsellors Map - Initial Static Image

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Counselors contact us for listing removal or info change.

Champion Credit Repair Services
56 Givens Ave Stamford
CT 06902 - 203.293.0810

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Credit Warriors Inc
1266 E Main St Suite, 700R
Stamford - CT 06902
www.creditwarriors.org
800.726.4983

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Stamford Assistance Programs

Food Bank: Food Bank of Lower Fairfield County / Food Bank of Lower Fairfield County / Address: 461 Glenbrook Road, Stamford, CT 06906 / Phone: 203.358.8898 / Email: atarantino@foodbanklfc.org

Hot/Cold Meals: New Covenant Center / Address: 174 Richmond Hill Ave Stamford, Connecticut 06902 / Phone: 203.964.8228

Shelter In Case of Eviction: Pacific House Emergency Shelter / 597 Pacific Street, Stamford, CT 06902 / Phone: 203.348.2792 Fax: 203.348.5813

Assistance Programs: Stamford Social Services Department

Youth Programs/Assistance: Stamford Every Child Matters

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Usury Law Governing Stamford CT

Summary of Connecticut Usury Law(s) / Legal: 8 percent Contract: 12 percent / Judgment: 10 percent / Corporate: Any rate over $10,000 (read more on Connecticut lending laws)

Complaint process for Stamford residents:

Connecticut Department of Banking / Physical Address: 260 Constitution Plaza, Hartford, CT 06103-1800 / Phone: 1-800-831-7225, ext. 8170 / Phone Direct: 860-240-8170 / Fax: 860-240-8178 / Email: banking.complaints@ct.gov / Connecticut Department of Banking / Connecticut Complaint Process

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WFL Loan Products

Stamford residents struggling with bad credit can learn about our bad credit loan service, or if their credit is borderline they can learn about fair credit loan service. If you're deep in debt you can learn about our debt consolidation loan service.

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