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This page was last updated July 2018

Commentary is for informational purposes only. See legal disclaimers here.

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Fair Credit Lenders in St. Petersburg FL

Lenders: contact us for listing removal.


Achieva Credit Union
3629 11th Avenue N St. Petersburg
FL 33713 - www.achievacu.com
727.431.7680


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Grow Financial Federal Credit Union
2600 Dr M.L.K. Jr. Street N #100
St. Petersburg - FL 33704
www.growfinancial.org - 800.839.6328

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Achieva Credit Union
413 62nd Ave N, St. Petersburg
FL 33702 - www.achievacu.com
727.431.7680

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Florida Central Credit Union
400 16th St N, St. Petersburg
FL 33705 - floridacentralcu.com
727.821.9555

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Pinellas Federal Credit Union
3100 5th Ave N, St. Petersburg
FL 33713 - www.pinellasfcu.org
727.586.4422

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Freedom Bank
1200 4th Street N, St. Petersburg
FL 33701 - www.freedombank.com
727.820.8600

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Wells Fargo Bank
125 5th Street S, St. Petersburg
FL 33701 - www.wellsfargo.com
727.821.0826

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Chase Bank
1280 66th St N, St. Petersburg
FL 33710 - locator.chase.com
727.369.3009

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Chase Bank
927 4th St N, St. Petersburg
FL 33701 - locator.chase.com
727.551.2246

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Regions Bank
3463 22nd Ave N St. Petersburg
FL 33713 - www.regions.com
800.734.4667

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Bad Credit Loan Application Form for St. Petersburg FL Residents

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St. Petersburg FL Lender Service Area Map

St. Petersburg FL 5x5 Loan App Volume

Top Five St. Petersburg areas for loan pre-app volume over last five months. Source: WFL Lender Pool. Updated Monthly. See all Florida personal loan volume data.

  1. Westminster Heights
  2. Tropical Shores
  3. Driftwood
  4. Patrician Point
  5. Lakewood Terrace

Car Loan In St. Petersburg FL

Roberto is purchasing a used car from a buddy of his for $15k. He has $2500 and enough for the transfer fees, license and taxes. He needs another $12500 if he is going to buy this car from his friend, who is anxious to complete the sale as soon as possible.

He has his eye on another car and needs the money to pay towards this car. If he can sell his car this week, he will be able to complete the purchase.

He has already put a $500 deposit on it to hold it, which he could lose if he cannot come up with the money to buy it.
In fact, both parties are looking for a loan.

Roberto so he can purchase his friend’s car and his friend in case he cannot sell his car. He is willing to own two cars for a short time just so he can purchase the car of his dreams.

But this loan is really about Roberto and not his buddy. Roberto is only beginning to build his credit rating. He does not have a bad credit rating, he just does not have enough history of financial transactions to create a credit history.

Never the less, Roberto should be able to be approved for the loan he is looking for provided his car is really worth the $15000 thousand he is paying.

A $12500 loan with an five-year term and 4.549% interest rate for Roberto would cost him the following per month:

• Loan Amount (principal) = $12500
• Interest Rate = 4.549%
• Term Length = 5 year
• Monthly Payment = $233.32
• Total Paid Back = $13998.98
• Total Interest = $1498.98

Once the car that Roberto is going to purchase has been appraised, his loan will be considered. His car will be used as security for the loan in case for some reason he is unable to meet his payment obligations.

After a specified number of missed payments, his car would be repossessed and sold to repay the loan. He would be liable for any fees etc. that are not covered by the sale of the car.

Regarding Roberto’s ability to meet the loan requirements, he appears to make sufficient income to carry the loan. Not only does he not have a credit history, he also does not owe any money to credit cards or other loans.

This will be his first loan and it will be up to the lenders to decide if they want to take the risk of lending him this loan.

Roberto still lives at home. He does not pay rent, although he does help his parents out with the groceries and a few bills. He is saving money for the time when her will move out and get his own place.

In the meantime, he is applying for this loan, applying for a credit card and trying to build up a credit history. If he ever decides to apply for a mortgage, he will need to have a good to excellent credit score to not only ensure approval of a mortgage but also a competitive low interest rate as well.

If you live in St. Petersburg 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 St. Petersburg FL Area

Do you live in St. Petersburg 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 St. Petersburg FL

Your Credit Agent
2629 4th St S St. Petersburg
FL 33705 - 941.447.2777

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Your Credit RX
107 11th Ave N, St. Petersburg
FL 33701 - 727.224.4349

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Consumer Credit Counseling Services
5150 Central Ave, St. Petersburg
FL 33707 - 727.898.2712
www.usattorneylegalservices.com

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Usury Law For St. Petersburg FL

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

For more regarding St. Petersburg'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 St. Petersburg 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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