Sarasota FL
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This page was last updated September 2018

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Fair Credit Lenders in Sarasota FL

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USF Federal Credit Union
3487 Clark Rd Sarasota
FL 34231 - www.usffcu.com
813.569.2000

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Sarasota Municipal Employee CU
1558 1st St, Sarasota
FL 34236 - smecu.org
941.953.6744

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Achieva Credit Union
3000 Bee Ridge Rd, Sarasota
FL 34239 - www.achievacu.com
239.471.3560

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Publix Employees FCU
3430 Clark Rd, Sarasota
FL 34231 - www.pefcu.com
941.927.5220

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Florida Central Credit Union
3451 Cattlemen Rd, Sarasota
FL 34232 / 941.684.0094
floridacentralcu.com

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Fifth Third Bank
50 Central Ave #100, Sarasota
FL 34236 - www.53.com
941.329.4688

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CenterState Bank
1100 S Tamiami Trail Suite 100
Sarasota - FL 34236
www.centerstatebank.com
941.306.0100

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Chase Bank
240 N Washington Blvd Ste 100
Sarasota - FL 34236
locator.chase.com - 941.954.4432

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Stonegate Bank
333 N Orange Ave, Sarasota
FL 34236 - www.stonegatebank.com
941.366.7100

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Florida Community Bank
1790 Main Street Sarasota
FL 34236 / 941.363.9119
local.floridacommunitybank.com


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Bad Credit Loan Application Form for Sarasota FL Residents

Fast Loan Pre-App Method
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Sarasota FL Lender Service Area Map

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Sarasota FL 5x5 Loan App Volume

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

  1. Downtown
  2. Arlington Park
  3. 17th Street
  4. Bayou Oaks
  5. Park East

The Ringling Museum in Sarasota Florida: Licensing/Credit

Loan To Avoid Eviction In Sarasota FL

Brissa is in a world of trouble as far as financial affairs are concerned. They say that trouble comes in threes and that seems to be exactly what happened to Brissa.

First she lost her job and it took her a month to find another one that would pay enough to cover her rent and her utilities. Next she had a roommate who was paying half of the rent and the utilities.

That person left and checks bounced. She could not pay the rent nor the utilities and she owed money to her landlord and the utilities that her roommate was supposed to pay for.

Finally, she had a small accident and she needed medical care which used up any savings that she had set aside. She does not receive any benefits for health care on the job she had or the new job she just obtained.

After paying as much as she could, Brissa still owes three months’ rent and she is one month overdue on her utilities for electricity etc.

They are threatening to cut off the utility until she catches up with her payments. The landlord is also threatening to start eviction proceedings.

She knows that her credit rating has nose dived, but she cannot do much about that just now.

On a more positive front a new roommate is moving in tomorrow and has paid her rent and her portion of the utilities in advance. This will help in the long term to get her back on track.

It will help in the short term as well. She can avoid the utilities from being cut off. Her new roommate certainly would not like that scenario.

She needs a $3000 loan to catch up on everything and she plans to repay it over the next year.

A $3000 loan with an one-year term and 8.5% interest rate for Brissa would cost her the following per month:

• Loan Amount (principal) = $3000
• Interest Rate = 8.5%
• Term Length = 1 year
• Monthly Payment = $261.66
• Total Paid Back = $3139.91
• Total Interest = $139.91

It is fortunate for Brissa that she was able to have a new roommate move in. Otherwise her cash flow would not have supported the monthly loan payment for the loan that she has applied for.

She might not have been approved for the loan, particularly since her credit score is so low. She will be able to repay her landlord and also avoid eviction.

Now that she has got her finances under control, she has a roommate who is paying some of the bills and she has a new job her life is looking more positive after the rough few months she has had.

She can actually work extra hours to make some additional income which she plans to use towards the loan and repay it in less than a year.

As a last resort she was going to ask her dad for help, however now that she has the loan, the job and the roommate, she can avoid going to him. That was really the last thing she wanted to do.

If you live in Sarasota 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 Sarasota FL Area

Do you live in Sarasota 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 Sarasota FL

Sarasota Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling Services
1750 17th St Sarasota
FL 34234 / 941.316.9600

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Consumer Credit Counseling Services
1701 Ringling Blvd, Sarasota
FL 34236 / 941.256.8133

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Sarasota Assistance Programs

Food Bank: All Faiths Food Bank / Address: 8171 Blaikie Court, Sarasota, FL 34240 / Phone: 941.379.6333

Hot/Cold Meals: Second Chance Last Opportunity / Address: 1933 Drive Martin Luther King Way, Sarasota, FL 34234 / Phone: 941.360.8660

Shelter In Case of Eviction: Resurrection House / Address: 507 Kumquat Court, Sarasota, FL 34236 / Phone: 941.365.3759

Social Assistance Programs: The Salvation Army Sarasota / Address: 1400 10th Street, Sarasota, FL 34236 / Phone: 941.364.8845

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Usury Law For Sarasota FL

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

For more regarding Sarasota'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 Sarasota 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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