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This page was last updated June 2020

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Fair Credit Lenders in Hattiesburg MS

Lenders: contact us for listing removal.

Southern Mississippi FCU
3318 Hardy St, Hattiesburg, MS 39401
www.smfedcu.com
601.450.4114

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Pine Belt Federal Credit Union
1808 Evelyn Gandy Pkwy, Hattiesburg, MS 39401
www.pinebeltfcu.com
601.583.3242

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Keesler Federal Credit Union
6175 US-98 #20, Hattiesburg, MS 39402
www.kfcu.org
228.385.5500

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Wesley Health Credit Union
201 Methodist Blvd # 101, Hattiesburg, MS 39402
www.REMOVE.com
601.268.8056

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Forrest County Teachers CU
611 Dumas Ave, Hattiesburg, MS 39401
601.584.7331

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Hattiesburg Oak Grove Credit
4700 Hardy St c, Hattiesburg, MS 39402
www.oakgrovecredit.com
601.909.6262

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1st Franklin Financial
6335 US 49 Suite 20, Hattiesburg, MS 39401
locations.1ffc.com
601.296.0400

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Hattiesburg Tower Loan
6333 US 49 #30, Hattiesburg, MS 39401
www.towerloan.com
601.264.3037

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Hattiesburg Mariner Finance
560 Weathersby Rd suite 120, Hattiesburg, MS 39402
www.marinerfinance.com
601.296.0380

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First Heritage Credit
3317 Hardy St Suite 50 Suite 50, Hattiesburg
MS 39401 / www.1stheritagecredit.com
601.261.3144

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Bad Credit Loans in Hattiesburg MS

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

Learn about GAP (Gift Angel Program)

 

Hattiesburg MS Lender Area Map

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Hattiesburg MS Loan App Volume

Top 5 Hattiesburg neighborhood loan app volume

  1. The Oaks
  2. University Heights
  3. Westgate
  4. Woodlawn Court
  5. Parkhaven

Downtown Hattiesburg MS: Source

Hattiesburg Bad Credit Loan Example

Pauline is planning to list her home for sale, but before she contacts an agent, she knows that she needs to make arrangements for a new roof on her home.

The shingles are already curling and although she has not had any leaks, she knows that it is just a matter of time.

Her home is immaculate and all of the needed repairs have been completed with the exception of the roof.

She is hoping that with a new roof she can obtain market price for her home or even a bit better. Without the roof replacement, she will have to discount the price quite a bit.

She is applying for an $10k consolidation loan to help her pay for the roof. She plans to repay the loan as soon as she sells her home.

Even though she has asked for a 5 year term, to keep the monthly payments manageable, this loan should be repaid in less than six months.

Pauline has a small mortgage on her home and therefore has sufficient equity in her home to provide security for the loan.

Although she would be eligible for a lower interest rate, she has decided to forego this option since the loan will only be held by her for a few months.

It will cost a bit more in interest charges, however she avoids paying appraisal fees and registration fees.

A $10000 loan with an five-year term and 5.69% interest rate for Pauline would cost her the following per month:

• Loan Amount (principal) = $10000
• Interest Rate = 5.69%
• Term Length = 5 year
• Monthly Payment = $191.99
• Total Paid Back = $11513.39
• Total Interest = $1513.39

Pauline is doing all of the right things in terms of making her home ready to list on the market for sale and taking a loan that has a five year term even though she plans to pay it off in several months.

She also has an excellent credit score and sufficient income to support the loan, her mortgage and a small car loan that she is still paying.

While the roof does need to be replaced and her home is immaculate her agent may make suggestions regarding other things that she may need to do to get her home ready for sale.

They often suggest decluttering and completing minor repairs which does not usually cost a great deal of money.

If something more significant is needed, Pauline may need to borrow additional funds to help pay for these improvements.

Before Pauline completes the loan application, she is going to meet with her agent and have him or her review the home and make recommendations regarding what needs to be actually upgraded to get her home ready for sale.

Once she has this information and obtains estimates she may decide to reapply for a larger loan with the same terms and conditions.

She may not require a larger loan; however, it is better to apply for one loan later than several loans over a short period of time.

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

Sincerely,

Chris Somerset

Chris Somerset is a writer for the WFL Project.

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Upgrades Nearest Hattiesburg MS

Job/Income Upgrades: Indeed / CareerBuilder

Education Upgrades: College / University

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Credit Counseling Near Hattiesburg

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Counselors contact us for listing removal or info change.

First Allegiance Credit Solution
1246 Beverly Hills Rd Apt. 207, Hattiesburg
Mississippi 39401

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Hattiesburg Credit Repair
500 Main St, Hattiesburg, MS 39401
601.300.3753

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Hattiesburg Credit Repair
5387 Old Hwy 42, Hattiesburg, MS 39401
601.300.3753

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Hattiesburg Non-Profit Services

Food Bank: Edwards Street Fellowship Center / Address: 1919 Edwards Street, Hattiesburg, MS 39401 / Phone: 601.544.6149

Hot/Cold Meals: Extra Table of Hattiesburg / Address: 3904 Hardy Street, Hattiesburg, MS 39402 / Phone: 601.264.0672

Shelter In Case of Eviction (nearest Hattiesburg): Fieldhouse for Homeless / Address: 5712 US, Hattiesburg, MS 39401 / Phone: 601.336.4055

Social Assistance Programs: Human Services Department for Hattiesburg / Address: 1604 West Pine Street, Hattiesburg, MS 39401 / Phone: 601.554.4350

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Usury Law Governing Hattiesburg MS

Summary of Mississippi Usury Law(s) / Legal: 8% / Contract: 11%; 15% on organizational loans over $2,000 / Judgment: 8% / Corporate: 15% over $2,500 (read more on Mississippi lending laws)

Complaint process for Hattiesburg residents:

Mississippi Department of Banking and Consumer Finance / Mississippi Complaint Process / Complaint Form (PDF)

Physical Address: Department of Banking and Consumer Finance / PO Box 12129, Jackson, MS 39236-2129 / Phone: 601.321.6901 / Fax: 601.321.6933 / Toll free: 800.844.2499

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WFL Loan Products

Hattiesburg residents who require a fresh start with a bad credit loan to rebuild credit learn more here. Or, perhaps your score is just fair - you can learn more here. If you're in debt way over your head, you can learn about our debt consolidation solutions here.

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