Daytona Beach FL
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This page was last updated September 2018

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Fair Credit Lenders in Daytona Beach FL

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Space Coast Credit Union
200 Bill France Blvd Daytona Beach
FL 32114 - www.sccu.com
800.447.7228


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Financial Educators FCU
1200 W International Spwy Blvd
Daytona Beach - FL 32114
www.financialedufcu.com
386.506.3040

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Jacksonville Postal & Pro CU
500 Bill France Blvd
Daytona Beach - FL 32114
386.274.2446

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Space Coast Credit Union
1185 W Granada Blvd #10A
Ormond Beach - FL 32174
www.sccu.com - 800.447.7228

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Healthamerica Credit Union
Daytona Beach, FL 32114
386.255.1229

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Wells Fargo Bank
130 N Ridgewood Ave
Daytona - each, FL 32114
www.wellsfargo.com
386.254.1783

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TD Bank
1060 W International Spwy Blvd
Daytona Beach - FL 32114
www.tdbank.com - 386.254.7601

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Seacoast Bank
1696 N Clyde Morris Blvd
Daytona Beach - FL 32117
www.seacoastbank.com
386.274.6020

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CenterState Bank
1950 W International Spwy Blvd
Daytona Beach - FL 32114
www.centerstatebank.com
386.947.5400

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Wells Fargo Bank
2416 S Atlantic Ave, Daytona Beach
FL 32118 - www.wellsfargo.com
386.254.7010

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Loan Application Form for Daytona Beach

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Daytona Beach FL Lender Service Area Map

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Daytona Beach FL 5x5 Loan App Volume

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

  1. S Peninsula Drive/S Halifax Dr
  2. S Peninsula Drive/Lenox Ave
  3. S Clyde Morris Blvd/Beville Rd
  4. N Halifax Avenue/Woodland Ave
  5. New Smyrna Beach


Daytona Beach in Florida: Licensing/Credit

Business Loan In Daytona Beach FL

Deana started a small business last year using her savings, credit cards and whatever money she could get her hands on. Fortunately, she has been successful so far.

She launched her business, she was able to attract customers and she is now turning cash flow positive. She is drawing in enough income now to pay her ongoing monthly bills and purchase product to sell on a regular basis.

She feels that she is in a very good position at the moment.
While she keeps her business afloat and continues to build a customer base, she also wants to consolidate her debt, pay off her friends who loaned her money and most of all pay off her credit card debt.

Her friends and family were kind enough to lend her some money interest free. She wants to repay them and pay them a bonus for helping her get started.

The credit card companies are not so forgiving. What credit card company do you know that would waive interest charges? Her unpaid balance is being billed a hefty 21% on the overdue balance.

As soon as she can she wants to pay this off in full so that there are no more interest charges which just eats into her profits big time.

She is looking for a small business loan to help her consolidate her debt. Although she should pay the high interest debt first, then the low interest debt and finally the free loans from her family, she really wants to pay her family back first. If she can borrow $20k she will be able to do it all.

With her current customer base and income, she is anticipating paying the entire loan off within a year.

A $20000 loan with an six-year term and 7.5% interest rate for Deana would cost her the following per month:

• Loan Amount (principal) = $20000
• Interest Rate = 7.5%
• Term Length = 6 year
• Monthly Payment = $345.80
• Total Paid Back = $24897.76
• Total Interest = $4897.76

Deana would be better off with a business operating loan, that she can draw on as needed and repay anytime she has extra money to put against her loan.

Even if she can repay the loan in full by the end of the year, she will have an approved business loan she can use whenever she needs some extra cash.

Most businesses have slow times during the year. In fact, many only make large profits in their high season and the rest of the year they barely exist.

A business loan that she can draw on as needed would be ideal to help her get through these periods.

She would only pay interest charges when she carries a balance on the loan and she would be able to repay it in full at any time. This type of loan offers a great deal of flexibility.

Deana is considering this type of loan and also preparing the documentation she will need to support her loan application.

Once she has submitted this information, her loan application can be reviewed and a determination made regarding approval of her business loan.

If you live in Daytona Beach FL and you need a loan regardless of a bad credit rating we hope our website helps you in some way.

Sincerely,

Chris Somerset

Chris Somerset is the daughter of Lance Somerset who founded the We Find Lenders Pool. She contributes to WeFindLenders.com whenever she's not having fun with her three children and her husband Ron.

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Employment & Education Advancement Opportunities in Daytona Beach FL

Job search links for Daytona Beach Florida and Education advancement links. Job Upgrade: Indeed / Monster / Education Advancement: College / University

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Credit Counseling In Daytona Beach FL

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Consumer Credit Counseling Services
1221 S Beach St Daytona Beach
FL 32114 - 386.304.2892

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Credit Correction
Daytona Beach
FL 32114 - 386.492.8499

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Daytona Beach Assistance Programs

Food Bank: Second Harvest Food Bank of Central Florida / Address: 320 North Street, Daytona Beach, FL 32114 / Phone: 386.257.4499

Hot/Cold Meals: Halifax Urban Ministries / Address: 340 North Street, Daytona Beach, FL 32114 / Phone: 386.252.0156

Shelter In Case of Eviction: Villages For the Homeless / Address: 316 North Street, Daytona Beach, FL 32114 / Phone: 386.323.1784

Social Assistance Programs: Volusia County Human Services / Address: 250 North Beach Street #80, Daytona Beach, FL 32114 / Phone: 386.254.4675

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Usury and Regs. For Daytona Beach FL

Summary of Florida Usury Law that applies to Daytona Beach / Legal: 10% Contract: 18% and above $500K @ 25% Judgment: 6% Corporate: No ceiling

For details regarding Daytona Beach's legal authority on lenders we encourage you to check out Florida State Legislature website on the Statute §687 and §516.031 page.

If you believe any Daytona Beach based lender isn't doing business in accordance with the law you can complain here:

Florida Office of Financial Regulation Division of Consumer Finance / Mailing Address: Florida Office of Financial Regulation / 200 E. Gaines Street, Tallahassee, FL 32399 / Physical Address: Florida Office of Financial Regulation / 101 E. Gaines Street Tallahassee, FL 32399 Phone: 850.487.9687 / Online complaint process

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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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