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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 Orlando FL

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Orlando FCU (Orange Avenue Branch)
400 Orange Ave Orlando
FL 32801 - www.orlandofcu.org
407.835.3500

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Orlando FCU (Semoran Branch)
2150 S Semoran Blvd, Orlando
FL 32822 - www.orlandofcu.org
407.835.3500

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Orlando FCU (Westmoreland Branch)
1117 S Westmoreland Dr, Orlando
FL 32805 - www.orlandofcu.org
407.835.3500

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CFE Federal Credit Union
947 N Mills Ave, Orlando
FL 32803 - mycfe.com
407.896.9411

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Orlando FCU
1229 FL-436, Casselberry
FL 32707 - www.orlandofcu.org
407.835.3500

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Trustco Bank
415 E Pine St, Orlando
FL 32801 - www.trustcobank.com
407.422.7129

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Chase Bank
5189 S Conway Road, Orlando
FL 32812 - locator.chase.com
407.858.1590

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TD Bank
1701 S Semoran Blvd, Orlando
FL 32822 - www.tdbank.com
407.482.8166

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PNC Bank
2811 Orange Avenue, Orlando
FL 32806 - www.pnc.com
407.236.7420

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Bank of America Financial Center
2293 W Sand Lake Road Orlando
FL 32809 - 407.855.3181
locators.bankofamerica.com


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Bad Credit Loan Application Form for Orlando FL Residents

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

Learn about GAP (Gift Angel Program)

 

Orlando FL Lender Service Area Map

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Orlando FL 5x5 Loan App Volume

Top Five Orlando areas for loan pre-app volume over last five months. Source: WFL Lender Pool. Updated Monthly.

  1. Lake Cherokee
  2. Camellia Gardens
  3. Mercy Drive
  4. Dixie Belle
  5. Callahan

Disney World in Orlando Florida: Licensing/Credit

Medical Bills Loan In Orlando FL

Joel is a typical twenty something who just graduated from college and looking for a permanent job. While he is looking, he is also working at a local restaurant to help pay the bills and pay his student loan off.

He has a small amount of credit card debt in addition to the student loans. He knew he was at risk because he did not have any health insurance coverage for medical issues, however he is young and healthy so how bad could it be.

He also loves to play soccer with his buddies on the weekend. It is supposed to be non-contact to prevent people from being hurt, but there is always a jerk who likes to throw his weight around and this time it was Joel who took the hit.

An ambulance ride to the hospital, two days in the hospital, a full leg cast and crutches put him in debt to the hospital for $21k! He is really upset with his opponent on the soccer field. That guy has been banned from the game, but it is not much of a consolation to Joel.

Between the medical bills, the debt on his credit cards and his student loans, Joel is wondering how he is going to pay all of his bills. The hospital will send the collection agencies after him if he does not find a way to pay them.

His credit card debt will be charged interest at a whopping 20% which means even more expense for him. He wants to consolidate all of his debt and pay one monthly payment. He is hoping to go back to work next week.

A $23000 loan with an five-year term and 6.449% interest rate for Joel would cost him the following per month:

• Loan Amount (principal) = $23000
• Interest Rate = 6.449%
• Term Length = 5 year
• Monthly Payment = $449.47
• Total Paid Back = $26968.33
• Total Interest = $3968.33

Joel is not alone. Thousands of people face this kind if situation every year. They need emergency medical treatment and do not have health insurance.

They are left with a huge bill. In fact, based on recent studies, 67% of bankruptcies are caused by medical costs.

At least Joel is not going to have to face bankruptcy. Instead he will consolidate all of his debt except for his student loan. He will have two payments each month.

The student loan carries a lower interest rate than this loan so it was better to leave it as is and make the monthly payments separately.

He was able to go back to work. Instead of waiting on tables, His manager gave him another job that he could handle even with his leg in a cast.

He is obviously a good guy! Although he does not make as much money during this period, due to his share of the tips declining, he is making enough to pay his bills.

Joel also got some more good news. He went for an interview and received an offer for a full time job in his field. He is excited and knows that once he is over this rough patch, life will be much more pleasant.

If you live in Orlando 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 Orlando FL Area

Do you live in Orlando 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 Orlando FL

Orlando Credit Counsellors Map - Initial Static Image

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InCharge Debt Solutions
5750 Major Blvd #300 Orlando
FL 32819 - www.incharge.org
407.532.5681

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Mr. Credit
5205 Orange Avenue, Orlando
FL 32809 - mrcreditorlando.com
407.608.3105

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Great American Credit Repair Company
37 N Orange Ave, Orlando
FL 32801 - 407.259.4491
greatamericancreditrepair.com

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Orlando Assistance Programs

Food Bank: Second Harvest Food Bank of Central Florida / Address: 411 Mercy Drive, Orlando, FL 32805 / Phone: 407.295.1066

Hot/Cold Meals: Human Crisis Center / Address: 5514 Edgewater Drive, Orlando, FL 32810 / Phone: 407.521.7750

Shelter In Case of Eviction: Coalition For the Homeless / Address: 18 North Terry Avenue, Orlando, FL 32801 / Phone: 407.426.1250

Social Assistance Programs: Orange County Social Services Department / Address: 2100 East Michigan Street, Orlando, FL 32806 / Phone: 407.836.6500

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Usury Law For Orlando FL

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

For more regarding Orlando'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 Orlando 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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