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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 Tampa FL

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Tampa Bay Federal Credit Union
3815 N Nebraska Ave, Tampa, FL 33603
www.tampabayfederal.com
813.247.4414

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Suncoast Credit Union
8201 W Waters Ave, Tampa, FL 33615
www.suncoastcreditunion.com
800.999.5887

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Tampa Bay Federal
14990 N Florida Ave, Tampa, FL 33613
www.tampabayfederal.com
813.247.4414

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Grow Financial Federal Credit
2418 Florida Keys Ave, Tampa, FL 33621
www.growfinancial.org
800.839.6328

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The Bank of Tampa
601 Bayshore Blvd #100, Tampa, FL 33606
www.bankoftampa.com
813.872.1216

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First Citrus Bank
10824 N Dale Mabry Hwy, Tampa, FL 33618
www.firstcitrus.com
813.926.2848

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Chase Bank
2802 E Fletcher Ave, Tampa, FL 33612
locatorchase.com
813.866.0499

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Wells Fargo Bank
12233 N Florida Ave, Tampa, FL 33612
www.wellsfargo.com
813.933.2255

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Pilot Bank
17635 Bruce B Downs Blvd, Tampa, FL 33647
www.pilotbank.com
813.349.4560

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Bad Credit Loan Form for Tampa FL

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

Learn about GAP (Gift Angel Program)

 

Tampa FL Lenders Map

Tampa Bad Credit Lenders Map - Initial Static Image

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Tampa FL 5x5 Loan App Volume

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

  1. Sulphur Springs
  2. Old Seminol Heights
  3. Ybor City
  4. Seminol Heights
  5. Lowry Park Central

Riverwalk in Tampa Florida: Licensing/Credit

Bad Credit Example Loan in Tampa FL

Lewis and his wife just purchased a Florida Condo overlooking the beach. It is in an excellent location. They can walk to the beach as well as to local restaurants and shopping.

They are really excited about using the condo for short trips now and later on after they retire, they plan to spend several months at a time in the area.

Lewis feels the condo is just fine as it is while his wife wants to update a few things. They already have received several estimates for upgrading the kitchen and the bathrooms.

They also plan to paint the entire condo. Fortunately, the floors are in excellent condition. Lewis is really reluctant to spend all of this money. The estimate came to just under $80,000 for all of the work that they are considering.

They have interviewed two contractors who have estimated similar costs. They both say that if they go ahead now during the slow season, the work can begin in two weeks and probably be finished within two months, depending on the availability of materials.

Lewis is not committed to the project just yet, he wants to see what it will cost him to borrow the money first and factor that into his monthly payments for the condo and other payments they have.

They have a fair credit rating and qualify for decent terms and conditions for a loan of this type. A $80000 personal loan with a twenty five-year term and 4% interest rate for Lewis cost him the following per month:

• Loan Amount (principal) = $80000
• Interest Rate = 4%
• Term Length = 25 year
• Monthly Payment = $422.27
• Total Paid Back = $126680.84
• Total Interest = $46680.84

The condo can be used as collateral for the loan which allows Lewis to receive a really low interest rate on the loan.
After much discussion between Lewis, his wife and the contractors, they decided to proceed with the renovation’s.

The contractors reduced their pricing by 10% and they were able to compromise on some of the materials as well. Bottom line, it is still costing Lewis $80,000 however this loan is now paying for the renovations and all of the furniture that will be needed once they move in.

They do not need a great deal of furniture. The condo is two bedrooms with a balcony. They need new beds and furniture to go with the beds.

Since this is a vacation home and they might also rent it out, they are not planning to buy high end furniture. They also need to purchase items such as a TV to mount on the wall, a couch and several chairs along with a dining table.

Lewis knows full well that his wife will want to add many other things to the list, but for now he is satisfied that they are getting a good deal on the condo, the renovations and the furniture.

Although they have no immediate plans to rent out their condo, they might make it available to family and close friends and just charge them enough to cover the utilities and HOA. They are really looking forward to spending lots of time in Florida.

If you live in Tampa 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 Tampa FL

If you live in Tampa 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 Tampa FL

Tampa Credit Counsellors Map - Initial Static Image

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A Right Way Credit Counseling
10335 Cross Creek Blvd #22, Tampa, FL 33647
www.arightwaycreditcounseling.com
813.421.3522

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Phoenix Credit Advisors
1275 E Kay St, Tampa, FL 33602
www.phoenixcreditadvisors.com
727.888.1268

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Credit Repair
15310 Amberly Dr Suite 250, Tampa, FL 33647
813.291.2705

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Tampa Assistance Programs

Food Bank: Feeding Tampa Bay / Address: 4702 Transport Drive #6, Tampa, FL 33605 / Phone: 813.254.1190

Hot/Cold Meals: Trinity Cafe / Address: 2801 North Nebraska Avenue, Tampa, FL 33602 / Phone: 813.865.4822

Shelter In Case of Eviction: Homeless Helping Homeless / Address: 3000 FL-685, Tampa, FL 33603 / Phone: 813.415.3586

Social Assistance Programs: Hillsborough Neighborhood Services / Address: 2103 North Rome Avenue, Tampa, FL 33607 / Phone: 813.272.5074

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Usury and Regs. Governing Tampa FL

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

For details regarding Tampa'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 Tampa 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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