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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 Jacksonville FL

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Community First Credit Union
11701 San Jose Blvd, Jacksonville, FL 32223
www..communityfirstfl.org
904.354.8537


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121 Financial Credit Union
6072 Youngerman Cir, Jacksonville, FL 32244
121fcu.org
904.723.6300

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Jax Federal Credit Union
1440.31 Dunn Ave, Jacksonville, FL 32218
www.jaxfcu.org
904.475.8000

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First Atlantic Bank
1325 Hendricks Ave, Jacksonville, FL 32207
www.bankfirstatlantic.com
904.348.3100

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TD Bank
9715 Gate Pkwy N, Jacksonville, FL 32246
www.tdbank.com
904.807.9020

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Axiom Bank
8808 Beach Blvd, Jacksonville, FL 32216
www.axiombanking.com
904.446.4999

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Chase Bank
1515 Atlantic Blvd, Jacksonville, FL 32207
locatorchase.com
904.513.6589

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Wells Fargo Bank
1601 Main St N, Jacksonville, FL 32206
www.wellsfargo.com
904.361.2456

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Prosperity Bank
12689 San Jose Blvd, Jacksonville, FL 32223
www.prosperitybank.com
904.824.9111

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Florida Capital Bank
10151 Deerwood Park Blvd Building 100, Suite 200, Jacksonville, FL 32256
www.flcb.com
904.407.4740

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Alarion Bank Mortgage
13500 Sutton Park Dr S, Jacksonville, FL 32224
www.alarionbank.com
904.899.0550

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Bad Credit Loan Form for Jacksonville FL

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

Learn about GAP (Gift Angel Program)

 

Jacksonville FL Lender Service Area Map

Jacksonville Bad Credit Lenders Map - Initial Static Image

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Jacksonville FL 5x5 Loan App Volume

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

  1. Murray Hill
  2. Sandalwood
  3. Atlantic Beach
  4. Woodland Acres
  5. Beach Haven

Dames Point Bridge in Jacksonville FL: Licensing/Credit

Personal Loan In Jacksonville FL

Rick never really learned to manage money very well. As soon as he got a job and started receiving a pay check, he would spend every cent and barely make it to the next pay day.

He was spending everything he made and really not planning for a day when the pay check would not be there for him. So when he lost his job he was in a spot of trouble. With no money coming in he had to cut back severely and take jobs that were really day jobs.

You would think that he would have changed his ways. He did find another full time job eventually which actually paid more than the one he lost.

However, by this time he owed money on a couple of credit cards and he had gone to a pay day loan lender. The interest he was paying on these loans and credit cards was killing him. Before he knew it he was behind on his payments and his credit rating tumbled.

He continued working and trying to pay off his debts. It is pretty difficult when interest rates are at 21% or higher and you have bad money management habits.

A new girlfriend who just happened to be a financial wiz persuaded him to develop a budget and to focus on getting his life together from a financial perspective.

She has been really good for him. Now that he has settled down a bit he is not spending as much money and he has more to put toward the loans. She thinks he should apply for a loan that will be at a lower interest rate which means he can put more towards the loan.

A $10000 personal loan with a five-year term and 15% interest rate for Rick cost him the following per month:

• Loan Amount (principal) = $10000
• Interest Rate = 15%
• Term Length = 5 year
• Monthly Payment = $237.90
• Total Paid Back = $14273.96
• Total Interest = $4273.96

Rick is one lucky guy. He was able to get a loan at 15% and begin paying off his loan. His girlfriend has moved in with him and is paying for 50% of the rent which gives him more money for the loan.

She has really helped him develop a budget and stick to it. He is gradually turning around his life and we suspect she has other plans for him as well.

While Rick is paying off this loan, he is also building his credit rating back up which will make it easier to borrow money in the future.

He will pay less interest as well which will lower his cost. Now that he has actually got some spare cash, he is not running out before the next pay check arrives.

This is a major improvement for him. He has actually started a small savings account as well to set aside money for emergencies and other things he may want to purchase in the future.

Rick really lucked out when he started dating this girl and it looks like this could be a long term relationship.

If you live in Jacksonville 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 Jacksonville FL

If you live in Jacksonville 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 Jacksonville FL

Jacksonville Credit Counsellors Map - Initial Static Image

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Better Credit Now
341 E Forsyth St, Jacksonville, FL 32202
www.time4bettercreditnow.com
877.766.5505

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GreenPath Financial Wellness
7825 Baymeadows Way Suite 120A, Jacksonville, FL 32256
www.greenpath.org
800.550.1961

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Consumer Credit Counseling Services
1639 Atlantic Blvd, Jacksonville, FL 32207
creditrepair.com
904.474.1420

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Jacksonville Assistance Programs

Food Bank: Feeding Northeast Florida / Address: 1116 Edgewood Avenue North D/E, Jacksonville, FL 32254 / Phone: 904.513.1333

Hot/Cold Meals: St. Francis Soup Kitchen / Address: 134 East Church Street, Jacksonville, FL 32202 / Phone: 904.356.2902

Shelter In Case of Eviction: The Sulzbacher Center / Address: 611 East Adams Street, Jacksonville, FL 32202 / Phone: 904.359.0457

Social Assistance Programs: Jacksonville Public Housing / Address: 8711 Newton Road, Jacksonville, FL 32216 / Phone: 904.641.4533

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Usury and Regs. For Jacksonville FL

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

For details regarding Jacksonville'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 Jacksonville 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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