Pensacola FL
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This page was last updated July 2018

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Fair Credit Lenders in Pensacola FL

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My Pensacola Credit Union
108 S Reus St Pensacola
FL 32502 - 850.432.9939
www.mypensacolacu.com


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Members First Credit Union
7176 N 9th Ave, Pensacola
FL 32504 - 850.434.2211
www.membersfirstfl.org

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Pen Air Federal Credit Union
305 W Gregory St, Pensacola
FL 32502 - www.penair.org
850.505.3200

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Harvesters Federal Credit Union
8001 N 9th Ave, Pensacola
FL 32514 - www.harvestersfcu.com
850.857.4328

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Pen Air Federal Credit Union
1495 E 9 Mile Rd, Pensacola
FL 32514 - www.penair.org
850.505.3200

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Bank of Pensacola
500 S Palafox St #100, Pensacola
FL 32502 - www.bankpensacola.com
850.453.3411

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Wells Fargo Bank
4441 Bayou Blvd, Pensacola
FL 32503 - www.wellsfargo.com
850.469.4263

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Bank of America Financial Center
5041 Bayou Blvd, Pensacola
FL 32503 - 850.444.0551
locators.bankofamerica.com

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Regions Bank
6677 N Davis Hwy, Pensacola
FL 32504 - www.regions.com
800.734.4667

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BB&T
5061 N 12th Ave Pensacola
FL 32504 - www.bbt.com
850.473.0622

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Bad Credit Loan Form for Pensacola FL

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Pensacola FL Lender Service Area Map

Pensacola FL 5x5 Loan App Volume

Top 5 Pensacola neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated Monthly. See all Florida personal loan volume data.

  1. Providence Manor
  2. Ridgefield Four
  3. W Winthrop/W Sunset
  4. Catalina
  5. Thousand Oaks

Installment Loan In Pensacola FL

Wayde is a single father currently living at home with his parents and his two kids. His mom and dad have been really supportive, but he knows they really have to find a place of their own and start their own life together.

His wife is no longer in the picture at all which is ok for him, but he knows that the kids are still struggling. His mom has really helped get the kids through this tough period and beginning the adjustment without their mother.

He ended up with a lot of expenses after his wife left. He had to sell the house and move in with his parents. After several months he is just now thinking that he is ready to have his own place with his kids and he is also able to afford to pay rent, utilities etc.

His mom and dad will stay in the picture and help out a lot with babysitting before and after school and all of the things that grandparents do. But they need a rest and he needs to have his own place with the kids.

He has some money saved, but could use another $5.5k to help buy furniture and clothing and get established.

He is very conflicted. On one hand he wants to move and get reestablished and be independent with his kids. On the other, a few more months living with his parents would allow him to save more money and perhaps not need a loan at all.

It is a tough call for him. But first he wants to find out what an installment loan would cost and whether he would even receive approval given his circumstances.

A $5500 loan with an five-year term and 6.5% interest rate for Wayde would cost him the following per month:

• Loan Amount (principal) = $5500
• Interest Rate = 6.5%
• Term Length = 5 year
• Monthly Payment = $107.61
• Total Paid Back = $6456.83
• Total Interest = $956.83

Wayde was surprised at how inexpensive the loan would be and how low the monthly payments were going to be. He can afford the payments for the loan as well as payments for utilities, rent etc. with no problems.

The real issue for him is whether he and the kids are really ready to live on their own. He is not sure if everyone has recovered enough from the emotional stress of the separation and the kids losing their mom.

After a great deal of soul searching, Wayde decided to take advantage of the installment loan and move to an apartment. It took them awhile to find a place that was suitable for everyone. It had to be close to his parents, close to their school and his commute to work could not increase.

With the delay he was able to save more money than he thought and was able to afford a few more things that made all of their lives much more comfortable.

Everyone seems to be happy and they still get to see gramps and grandma almost every day. Stability and consistency is important for the kids at this stage.

If you live in Pensacola 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 Pensacola FL

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

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Credit Counseling In Pensacola FL

Credit Repair
25054 U.S. 98 Pensacola
FL 32501 - 850.359.4061

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Ascend Credit
3706 N Pace Blvd, Pensacola
FL 32505 - 850.472.0620

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A American Debt Counseling
9890 N Loop Rd #218, Pensacola
FL 32507 - 850.432.2181

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Usury and Regs. For Pensacola FL

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

For details regarding Pensacola'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 Pensacola 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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