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This page was last updated July 2018

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Fair Credit Lenders in Atlanta GA

Lenders: contact us for listing removal.

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Credit Union of Atlanta
670 Metropolitan Pkwy SW Atlanta
GA 30310 - www.cuatlanta.org
404.658.6465

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Georgia United Credit Union
600 W Peachtree St NW #401, Atlanta
GA 30308 - 770.476.6400
gucu.org

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Georgia's Own Credit Union
133 Peachtree St SW, Atlanta
GA 30303 - www.georgiasown.org
404.874.1166

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Atlanta Credit Union (Pryor)
245 Pryor St SW, Atlanta
GA 30303 - www.cuatlanta.org
404.671.4010

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Atlanta Federal Credit Union
3075 Sylvan Rd, Atlanta
GA 30354 - www.atlantafcu.com
404.559.8833

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Pinnacle Credit Union
536 North Avenue NE, Atlanta
GA 30308 - www.pinnaclecu.org
404.888.1648

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Justice Federal Credit Union
959 E Confederate Ave SE, Atlanta
GA 30316 - www.jfcu.org
404.622.5550

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Excel Federal Credit Union
61 Forsyth St SW # 8B70, Atlanta
GA 30303 - www.excelfcu.org
770.441.9235

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St Philip Federal Credit Union
240 Candler Rd SE, Atlanta
GA 30317 - 404.371.0749

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Atlanta Debt Consoldiation
4060 Peachtree Road NE Atlanta
GA 30319 - 800.296.0237

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Debt Hero of Atlanta Debt Solutions
260 Peachtree Street, Atlanta
GA 30303 - 404.671.9382

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Bad Credit Loans in Atlanta GA

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Atlanta GA Lender Area Map

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Atlanta GA Loan App Volume

Top 5 Atlanta neighborhood loan app volume

  1. Collier Hills
  2. Dunwoody Club Forest
  3. Carver Hills
  4. Inman Park
  5. North Springs

Fox Theatre in Atlanta Georgia: Licensing

Atlanta Bad Credit Loan Example

Audrey in Atlanta has a very unique situation that she is dealing with. Her mother recently passed away leaving everything to Audrey. Unfortunately, not only does she inherit the assets, she also gets to deal with all of the debt that remains as well.

Audrey has sold almost everything and there is some interest in the home from investors at very low price values. Her mom was also underwater on the mortgage. She owed more on the mortgage than the home was actually worth in it’s present condition or at least at what investors are willing to offer.

She needs an additional $4000 to fully pay off all of the debt and close her mom’s estate. This of course assumes she sells the home as is.

On top of these problems with her mom’s house and her estate, Audrey also has a bad credit rating and is having trouble qualifying for a loan or an extension on the existing mortgage. She has never really paid attention to credit reports and has always paid cash or paid by check.

Seems unusual in todays online electronic environment, however Audrey prefers to stay away from credit cards, loans and debit cards. She does not like the automated approach to paying bills either and must make sure that she always pays her bills in real time on time.

Audrey’s problem is that she really does not have sufficient credit history to establish that she is actually a good credit risk. Now she needs a small loan which she is willing to take on in order to close out her mom’s estate.

She is also thinking about doing some improvements to the home before selling. Her real estate agent feels that if she were to invest approximately $10000 into the home to paint, replace the carpets and make some badly needed repairs, she may be able to sell her home for much more money.

A $4000 loan with a 2 year term 8.5% interest rate for Audrey would cost her the following per month:

Loan Amount (principal) = $4000
Interest Rate = 8.5%
Term Length = 2 year
Monthly Payment = $181.82
Total Paid Back = $4363.74
Total Interest = $363.74

A loan of four thousand would let her walk away and close the estate, assuming she sells the home as is. If she were to fix up the home, she could conceivably sell her mom’s home for much more and actually end up with positive proceeds from her mom’s estate.

She would have some money to use in her own personal life instead of having to pay off a small $4000 loan.

This is a huge dilemma for Audrey and she has a lot of concerns about what she should do. The largest concern is being able to borrow even more money than what she had planned. She is having trouble being approved for a small four thousand dollar loan, let alone a much larger one.

Then there is the work that must be completed and coordinated by her as well.

Audrey is going to work closely with her real estate agent to come up with a plan to find the money to fix the home up. With the appropriate appraisals regarding the improved value of the home after repairs and improvements are made, she may be able to qualify for a secured loan which would give her many more options for obtaining a loan at a lower interest rate. More to come regarding Audrey’s loan applications.

If you're living in Atlanta Georgia like Audrey, and need a loan regardless of your credit rating, we may be able to help you find a willing lender.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Atlanta GA

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Atlanta Credit Counseling

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Counselors contact us for listing removal or info change.

Georgia Debt Specialists
191 Peachtree St NE #3300 Atlanta
GA 30303 - 404.585.1180

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Consumer Credit Corporation
241 W Peachtree St NW, Atlanta
GA 30303 - 404.965.3993
www.consumercredit.com

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Credibility
3100 Interstate N Cir SE, Atlanta
GA 30339 - 404.527.7630

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Atlanta Assistance Programs

Food Bank: Atlanta Community Food Bank / Address: 732 Joseph E. Lowery Boulevard, NW Atlanta, GA 30318 / Phone: 404.892.9822

Hot/Cold Meals: St. Francis Table / Address: 48 M.L.K. Junior Drive Southwest, Atlanta, GA 30303 / Phone: 404.521.1866

Shelter In Case of Eviction: Atlanta Mission / Men's Shelter (The Shephard's Inn) Address: 165 Ivan Allen Junior Boulevard Northwest, Atlanta, GA 30313 / Phone: 404.367.2493 / Women's and Children's Shelter (My Sister's House) Address: 655 Ethel Street Northwest, Atlanta, GA 30318 / Phone: 404.588.4007

State Government Assistance Programs: Department of Human Services

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Usury Law Governing Atlanta GA

Summary of Georgia Usury Law(s) / Quote: Legal: 5.5% Contract: 5.5% plus surcharge; any rate over $100,000 not secured by mortgage or residence / Judgment: 5.5% / Corporate: No rate specified (read more on Georgia lending laws)

Complaint process for Atlanta residents:

Georgia Department of Banking and Finance / Physical Address: 2990 Brandywine Road, Suite 200, Atlanta, Georgia 30341-5565 / Phone: (770) 986-1633 / Toll Free: (888) 986-1633 / Supervisory Division Fax: (770) 986-1654 or 1655 / Mortgage Fax: (770) 986-1029 / MSB Section Fax: (770) 986-1655 / Office Hours are 8:00am to 4:30pm - Monday thru Friday / Georgia Department of Banking and Finance / Georgia Complaint Process - complaints by phone @ (855) 411-2372

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WFL Loan Products

Atlanta residents struggling with bad credit can learn about our bad credit loan service, or if their credit is borderline they can learn about fair credit loan service. If you're deep in debt you can learn about our debt consolidation loan service.

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