Augusta GA
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This page was last updated September 2018

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Fair Credit Lenders in Augusta GA

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Augusta Metro Federal Credit Union
205 Davis Rd Augusta
GA 30907 - www.youramfcu.org
706.854.6150

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SRP Federal Credit Union
3206 Peach Orchard Road, Augusta
GA 30906 - www.srpfcu.org
800.237.9829

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Associated Credit Union
3749 Wheeler Rd, Augusta
GA 30909 - www.acuonline.org
706.868.2200

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Augusta VAH Federal Credit Union
1267 Augusta W Pkwy, Augusta
GA 30909 - www.avahfcu.org
706.855.2224

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Health Center Credit Union
1424 Walton Way, Augusta
GA 30901 - www.hccu.coop
706.434.1600

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Associated Credit Union
3749 Wheeler Rd, Augusta
GA 30909 - www.acuonline.org
706.868.2200

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Sterling Finance Company
2801 Washington Rd #108, Augusta
GA 30909 - www.loansbyworld.com
706.736.0289

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PenFed Credit Union
2338 Lumpkin Rd, Augusta
GA 30906 - www.penfed.org
800.247.5626

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Georgia's Own Credit Union (Augusta)
1267 Augusta W Pkwy, Augusta
GA 30909 - www.georgiasown.org
404.874.1166

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

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Bad Credit Loans in Augusta GA

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

Learn about GAP (Gift Angel Program)

 

Augusta GA Lender Area Map

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Augusta GA Loan App Volume

Top 5 Augusta neighborhood loan app volume

  1. Daniel Field
  2. Ridgecrest
  3. Greene Street Historic District
  4. Masters Glen
  5. Bethlehem

Old Mecical College Building Augusta Georgia: Licensing

Augusta Bad Credit Loan Example

Parminder needs a loan for up to $3000 and is turning to lenders will consider people with bad credit. His credit rating is not great and this puts him in the bad credit loan category. Parminder finds himself in the same situation that many consumers experience all of the time.

He missed a couple of payments on his car loan and also on a credit card payment. He just did not have the money to meet these obligations while unemployed a few months ago. He has since found a job and caught up with all of his debts although this has left him with no savings to pay for other items he may need.

Unfortunately, the damage was done and his otherwise good credit rating dropped due to the reports of missed payments to various credit rating agencies.

It can take as long as seven years to recover from events like these and make life really difficult applying for everything from loans, credit cards and even a job. Many employers will check a person’s credit score before they make an offer.

If your credit is not good the employer will ask a lot more questions. Most of the time they will just hire another equally skilled person with good credit. Loans are often more expensive as well since the borrower with bad credit is considered a high risk client.

A $3000 loan with a 2 year term 7.5% interest rate for Parminder would cost him the following per month:

• Loan Amount (principal) = $3000
• Interest Rate = 7.5%
• Term Length = 2 year
• Monthly Payment = $135.00
• Total Paid Back = $3239.97
• Total Interest = $239.97

He needs this loan to help pay for several expenses that have come along suddenly. There are some car repairs, dental and medical bills and then the kids need some school supplies.

The $3000 loan will help him get back on track, however it will add another $135 a month to his monthly bills. He is already struggling to meet his current payments for rent, utilities, car loan and other living expenses.

Parminder has several choices which he is considering. He can request a smaller loan, he can work overtime or find a second job, his wife could look for work or cut back on expenses in some other area. These are difficult decisions and similar to what many consumers deal with all of the time.

It turns out that he could be approved for a smaller loan of $2000 and he believes he can take on a second job to make ends meet for him and his family.

With young children at home, it really does not make sense for his wife to look for a job. She is also considering taking in other children to babysit during the day. Between all of these actions, Parminder should be able to afford the loan and repay it within the time frame he is approved for.

If Parminder can repay this loan on time with no more missed payments on anything, his next loan application should go more smoothly and perhaps at an even lower interest rate.

If you're living in Augusta Georgia like Parminder, 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 Augusta GA

Job/Income Upgrades: Indeed / Snag A Job

Education Upgrades: College / University

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Augusta Credit Counseling

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Counselors contact us for listing removal or info change.

Rapid Credit Repair
2296 Winston Way Augusta
GA 30906 - 678.961.0085

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Fix My Credit
3121 Peach Orchard Rd, Augusta
GA 30906 - 706.237.8681

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The Financial Solution Network
508 Artmus St, Augusta
GA 30901 - 706.664.6922
allsolutionsnetwork.com


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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Augusta Assistance Programs

Food Bank: Golden Harvest Food Bank / Address: 3310 Commerce Drive, Augusta, GA 30909 / Phone: 706.736.1199

Hot/Cold Meals: Masters Table Soup Kitchen / Address: 702 Fenwick Street(#2913), Augusta, Georgia 30901, Phone: 706.722.0607

Shelter In Case of Eviction: Garden City Rescue Mission / 828 Fenwick Street, Augusta, Georgia 30901 / Phone: 706.724.6960

State Government Assistance Programs: Department of Human Services

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Usury Law Governing Augusta 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 Augusta 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

Augusta 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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