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Indiana Lenders > Fort Wayne

This page was last updated July 2018

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Fair Credit Lenders in Fort Wayne IN

Lenders: contact us for listing removal.

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Partners 1st Federal Credit Union
1330 Directors Row Fort Wayne
IN 46808 - www.partners1stcu.org
260.471.8336

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ProFed Federal Credit Union
1710 St Joe River Dr, Fort Wayne
IN 46805 - www.profedcu.org
260.483.0514

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Fort Financial Credit Union
3102 Spring St, Fort Wayne
IN 46808 - 260.432.1561
www.fortfinancialcu.org

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MidWest America Federal Credit Union
1104 Medical Park Dr, Fort Wayne
IN 46825 - www.mwafcu.org
260.482.3334

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3Rivers Harrison
301 W Jefferson Blvd, Fort Wayne
IN 46802 - www.3riversfcu.org
260.755.4406

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Power One Federal Credit Union
1520 Spy Run Ave, Fort Wayne
IN 46805 - www.poweronefcu.org
260.425.2324

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Fire Police City County FCU
907 E Tillman Rd, Fort Wayne
IN 46816 - www.fpccfcu.org
260.484.2102

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3Rivers East State Village
1130 E State Blvd, Fort Wayne
IN 46805 - www.3riversfcu.org
260.490.8328

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Old National Bank
6430 W Jefferson Boulevard
Fort Wayne, IN 46804
www.oldnational.com
260.310.6784

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Centier Bank
10315 Dupont Cir Dr W Fort Wayne
IN 46825 - www.centier.com
260.489.1092

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Bad Credit Loans in Fort Wayne IN

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Fort Wayne IN Lender Area Map

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Fort Wayne IN Loan App Volume

Top 5 Fort Wayne neighborhood loan app volume

  1. Fairfield
  2. Frances Slocum
  3. North Anthony
  4. Spy Run
  5. Creighton-Home

Embassy Theatre in Fort Wayne Indiana: Licensing

Fort Wayne Bad Credit Loan Example

Jeanie is dealing with a very bad credit situation from being off work and not being able to pay her bills on time. She was laid off and could not find another job for several months.

She decided to just avoid her credit card bills when they arrived and of course the credit card company had no choice except to initiate collection against her and also report non payment to the credit rating agencies.

If she had talked to them and arranged a payment plan she might have avoided her bad credit situation. She was finally able to land another job last week and is taking the bus or riding her bike to work.

She takes the bus when the weather is not great and the rest of the time she rides her bike back and forth to work which is over twenty miles. She likes the ride and the exercise, but it is a long way and she does not feel as presentable as she would like when she arrives at work.

She wants to purchase a car and needs a $2500 bad credit loan to help with the purchase. It is an older car. Her brother has looked at it and feels it is ok for maybe a year and then she will need to replace it or spend a lot on maintenance.

With her new job she is also going to repay what she owes to her credit card company and will be able to pay this monthly loan payment. A $2500 loan with a 2 year term 9.95% interest rate for Jeanie would cost her the following per month:

Loan Amount (principal) = $2500
Interest Rate = 9.95%
Term Length =2 year
Monthly Payment = $115.30
Total Paid Back = $2767.31
Total Interest = $267.31

Jeanie broke one of the first rules of debt management. When she could not pay her credit card statement, she just ignored the bills.

When you cannot pay, every consumer needs to take some sort of action. Speaking with your lender and letting them know what is going on while telling them you will pay your statement as soon as you can is a must. Your lender may still initiate collection procedures against you, but at least you tried. In most cases they will be willing to negotiate another payment plan, especially if you are being honest with them and fully intend to repay the loan.

This is a small loan and the monthly payment is well within what Jeanie can afford based on her income. Since this is a new job she will have to provide something that shows her employment and the amount she will make on a weekly or bi-weekly basis.

Her problems on her credit report will stay there for a few years and every loan she applies for, will be based on her poor credit rating until it improves.

Paying off this loan on time and not missing any monthly payments will go a long way to improving her score and reestablishing her credibility. Once she provides evidence of her income this loan can be processed and a decision rendered.

If you're living in Fort Wayne like Jeanie does, 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 Fort Wayne IN

Job/Income Upgrades: Indeed / Snag-A-Job

Education Upgrades: College / University

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Fort Wayne Credit Counseling

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Counselors contact us for listing removal or info change.

Consumer Credit Counseling Services
4105 West Jefferson Blvd Fort Wayne
IN 46804 - 260.432.8200
creditcounselingresources.com

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Money Management International
2720 Dupont Commerce Ct, Fort Wayne
IN 46825 - www.moneymanagement.org
866.226.0278

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Credit Counselors Corporation
10301 Maysville Rd, Fort Wayne
IN 46835 - 260.486.4433

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Fort Wayne Assistance Programs

Food Bank: Community Harvest Food Bank / Address: 999 East Tillman Road, Fort Wayne, IN 46816 / Phone: 260.447.3696

Hot/Cold Meals: St. Mary's Soup Kitchen / Address: 1101 Lafayette Street, Fort Wayne, IN 46802 / Phone: 260.426.1217

Shelter In Case of Eviction: Fort Wayne Rescue Ministries / Address: 301 West Superior Street, Fort Wayne, IN 46802 / Phone: 260.426.7357

Social Assistance Programs: Wellspring Interfaith Social Services / Address: 1316 Broadway, Fort Wayne, IN 46802 / Phone: 260.422.6618

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Usury Law Governing Fort Wayne IN

Summary of Indiana Usury Law(s) / Legal: 8% Contract: As per Indiana UCC / Judgment: 8% / Corporate: No specific rate (read more on Indiana lending laws)

Complaint process for Fort Wayne residents:

Indiana Department of Financial Institutions / Indiana Complaint Process / Complaint Form (PDF)

Department of Financial Institutions / 30 South Meridian Street, Suite 300, Indianapolis, Indiana 46204 / Telephone: (317) 232-3955 Toll-free: (800) 382-4880 / Email: dficomplaints@dfi.in.gov

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WFL Loan Products

Fort Wayne residents dealing with a bad credit score can read about our bad credit loans network, OR if your rating is in the average zone, you can read about fair credit loan pool. If you're DEEP in high interest debt, please read about our debt consolidation loan resources.

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