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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 Gainesville FL

Lenders: contact us for listing removal.

Alliance Credit Union
412 E University Ave Gainesville
FL 32601 - www.alliancecufl.org
352.372.8225


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Florida Credit Union
2831 NW 43rd St, Gainesville
FL 32606 - www.flcu.org
352.377.4141

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Sunstate Federal Credit Union
405 SE 2nd Pl, Gainesville
FL 32601 - www.sunstatefcu.org
352.381.5200

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VyStar Credit Union
3616 SW 34th St, Gainesville
FL 32608 - www.vystarcu.org
352.372.1645

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Sunstate Federal Credit Union
2516 NW 43rd St, Gainesville
FL 32606 - www.sunstatefcu.org
352.378.2125

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TD Bank
600 NW 43rd St, Gainesville
FL 32607 - www.tdbank.com
352.367.9800

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Wells Fargo Bank
104 N Main St, Gainesville
FL 32601 - www.wellsfargo.com
352.335.3300

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Center State Bank
4100 NW 37 Pl, Gainesville
FL 32606 - www.centerstatebank.com
352.416.0330

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Community Bank & Trust of Florida
1800 W University Ave #130, Gainesville
FL 32603 - www.cbtfl.com
352.313.4900

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BBVA Compass
2814 SW 34th Street Gainesville
FL 32608 - www.bbvacompass.com
352.367.5064

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Bad Credit Loan Form for Gainesville FL

Fast Loan Pre-App Method
Accessing Bad Credit Lender Pool (?)

Learn about GAP (Gift Angel Program)

 

Gainesville FL Lender Service Area Map

Gainesville Bad Credit Lenders Map - Initial Static Image

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Gainesville FL 5x5 Loan App Volume

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

  1. Libby Heights
  2. Pleasant Street
  3. Capri
  4. Fletchers Park
  5. Brookfield

The Hippodrome in Gainesville Florida: Licensing/Credit

Personal Loan In Gainesville FL

Pete and his wife are planning a month long vacation. They both just retired and want to take a trip around the southern Florida by car.

They are planning to stay in motels part of the time and are also going to rent a condo somewhere in southern Florida near the ocean. It is off season so the prices should not be too bad.

He believes that he has enough money saved for the trip, however he wanted to make sure that he does not run out. He wants to borrow $4500 with a 5-year term.

He expects to pay it back in much less than the five years, however this term will keep the monthly payments low.

They both will receive a small pension plus old age security and they actually have medical coverage from where they retired as one of their retirement benefits.

Pete has been really careful about his spending as he neared retirement. He made sure that the house was well maintained, he has a late model car and he has no other debts.

He does have a couple of credit cards which he maintains a zero balance on to avoid paying any interest charges.

He could charge the entire trip to his credit card, however he might not have enough when the statement is due to pay the entire amount off.

He does not want to incur high interest charges, which is another reason for applying for the loan now. When the bills come in he will have the funds to pay the balance due and not worry about high interest rates.

A $4500 loan with an five-year term and 7.5% interest rate for Pete would cost him the following per month:

• Loan Amount (principal) = $4500
• Interest Rate = 7.5%
• Term Length = 5 year
• Monthly Payment = $90.17
• Total Paid Back = $5410.25
• Total Interest = $410.25

They both are really excited about their trip. The car is ready, they made all of their reservations and the house is being looked after by the neighbors. They will leave in a few days knowing that everything is in order for their trip as well as their financial affairs.

Pete has made all of his plans in advance rather than wait until the last minute to apply for a loan. He had time to consider several loan offers and pick one that made the most sense for him and his wife.

He also had a good credit score which ensured that he was able to find a loan with a relatively low interest rate. This is a personal loan with no security so he is paying a slightly higher interest rate than he would have had the loan been secured by his home.

He fully expects to repay the loan in less than twelve months, however by taking a five-year term, it keeps his monthly payment low and affordable for him until he has the cash to fully repay the loan.

Pete appears to be one of these guys that thinks everything through and plans ahead of time.

If you live in Gainesville 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 Gainesville FL

If you live in Gainesville and you're struggling with making ends meet, you may consider advancing your education and/or finding a higher paying job. We've provided some links here to help with that.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Gainesville FL

Gainesville Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling Service
2622 NW 43rd Street, Gainesville
FL 32606 - 352.378.3232

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GreenPath Debt Solutions
2622 NW 43rd St Suite C4 Gainesville
FL 32606 - 352.505.1625
www.greenpath.com

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Gainesville Assistance Programs

Food Bank: Bread of the Mighty Food Bank / Address: 325 Northwest 10th Avenue, Gainesville, FL 32601 / Phone: 352.336.0839

Hot/Cold Meals: St. Francis House / Address: 413 South Main Street, Gainesville, FL 32601 / Phone: 352.378.9079

Shelter In Case of Eviction: GRACE Marketplace / Address: 3055 Northeast 28th Avenue, Gainesville, FL 32609 / Phone: 352.792.0800

Social Assistance Programs: Alachua County Social Services / Address: 218 Southeast 24th Street, Gainesville, FL 32641 / Phone: 352.264.6750

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Usury and Regs. For Gainesville FL

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

For details regarding Gainesville'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 Gainesville 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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