Fort Lauderdale FL
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This page was last updated July 2018

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

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Fair Credit Lenders in Fort Lauderdale FL

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BrightStar Credit Union
600 SE 3rd Ave Fort Lauderdale
FL 33301 - www.bscu.org
954.486.


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Connect Credit Union
3400 W Commercial Blvd, Fort Lauderdale
FL 33309 - www.connectcu.org
954.730.2047

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Broward HealthCare Federal Credit Union
2350 W Commercial Blvd, Fort Lauderdale
FL 33309 - www.bhcfcu.org
954.625.3660

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We Florida Financial
634 NE 3rd Ave, Fort Lauderdale
FL 33304 - www.wefloridafinancial.com
954.745.2400

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Coral Community Federal Credit Union
1930 NE 47th St #120, Fort Lauderdale
FL 33308 - www.coralfcu.org
954.772.2330

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TD Bank
665 NW 62nd St, Fort Lauderdale
FL 33309 - www.tdbank.com
954.202.6900

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Chase Bank
1800 N Federal Hwy, Fort Lauderdale
FL 33305 - locator.chase.com
954.568.4143

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Wells Fargo Bank
2577 E Sunrise Blvd, Fort Lauderdale
FL 33304 - www.wellsfargo.com
954.468.2820

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Stonegate Bank
1100 SE 3rd Ave, Fort Lauderdale
FL 33316 - www.stonegatebank.com
954.765.5500

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Legacy Bank
12 SE 7th Street Fort Lauderdale
FL 33301 - www.legacybankfl.com
954.763.5550

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Bad Credit Loan Application Form for Fort Lauderdale FL Residents

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Fort Lauderdale FL Lender Area Map

Fort Lauderdale FL 5x5 Loan App Volume

Top Five Fort Lauderdale areas for loan pre-app volume over last five months. Source: WFL Lender Pool. Updated Monthly. See all Florida personal loan volume data.

  1. Harbour Inlet
  2. Lauderdale Manors
  3. Central Beach
  4. Coral Ridge
  5. Victoria Park

Student Loan In Fort Lauderdale FL

Ted is almost finished college and planning to get a job next year and start his life.

He will be saddled with student loans like most students, however going to college was not even a question for him. He wanted to have a career and he really enjoys his chosen field of study.

He does not have a lot of money. He has worked part time while going to college and he has taken out several student loans over the past few years.

He has been offered a once in a life time opportunity to study abroad for his last term. It will be in his field of study and will provide him with experiences and contacts that would take him years to gain if he just graduates and gets a job.

The problem for Ted is that he does not have the $5k that he needs to pay for his living expenses.

They will pay for the tuition and all of his expenses associated with attending college abroad.

He needs to pay for his flights and expenses while commuting to his new place of study. He feels that he needs approximately $5000 in total to cover all of the expenses that he will have.

A $5000 loan with an five-year term and 3.5% interest rate for Ted would cost him the following per month:

• Loan Amount (principal) = $5000
• Interest Rate = 3.5%
• Term Length = 5 year
• Monthly Payment = $90.96
• Total Paid Back = $5457.52
• Total Interest = $457.52

Ted’s credit score as a student is good, however he does not have a lot of credit history. He is paying his student loan payments on time and he has worked part time. These are all good things that favor his application.

Lenders have an issue with lending money to people who are leaving the country. There is a chance that they may leave and never return leaving the lender high and dry.

For this reason, Ted’s application likely will not be approved. However, if he can arrange for someone to cosign his loan, there is a much better chance that the loan would be approved.

In Ted’s case, his parents are willing to co-sign the loan. This would mean that if Ted does not meet the obligations of the loan i.e. misses a payment or two, his parents will be on the hook to repay the loan.

Their credit score could also be impacted as well due to the missed payments. This is something that cosigners should always be aware of and be prepared to take on.

You have to have a lot of trust in the person you are cosigning for.

Once Ted’s parents provide all of the needed information to support a loan application, it will be reviewed and a decision made with regard to approving the loan.

Assuming that their credit score is good to excellent, their debt load is manageable and they have sufficient income to support this loan, Ted’s student loan should be approved.

He will be able to spend his last term receiving an education that many only dream about.

If you live in Fort Lauderdale FL and you need a loan regardless of a bad credit rating our website may be very helpful.

All the best,

Chris Somerset

Chris Somerset is a dedicated writer for WeFindLenders.com.

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Job & Education Advancement Ideas in the Fort Lauderdale FL Area

Do you live in Fort Lauderdale and been dealing with money problems? It's never too late to upgrade your education and/or job.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Fort Lauderdale FL

Consolidated Credit
5701 W Sunrise Blvd Fort Lauderdale
FL 33313 - www.consolidatedcredit.org
888.791.4045

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A New Horizon Credit Counseling
2700 W Cypress Creek Rd, Fort Lauderdale
FL 33309 - 800.556.1548

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Consolidated Credit Counseling Services
1801 NW 50th St, Fort Lauderdale
FL 33309 - www.consolidatedcredit.org
754.212.7805

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Usury Law For Fort Lauderdale FL

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

For more regarding Fort Lauderdale's legal authority on lending and finance check out the Florida State Legislature website see Statute §687 and §516.031 page.

If you believe any Fort Lauderdale company is acting in a predatory manner, please 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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