The Bronx NY
Fair To Bad Credit Loans

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This page was last updated November 2018

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Fair Credit Lenders in The Bronx NY

Lenders: contact us for listing removal.  

Bethex Federal Credit Union
20 E 179th St, Bronx, NY 10453
718.299.9100

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Van Cortlandt Coop Federal Credit Union
3960 Hillman Ave # 1, Bronx, NY 10463
www.vccfcu.com
718.549.5858

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New Covenant Dominion Federal Credit Union
1185 Boston Rd, Bronx, NY 10456
www.creditunionsonline.com
718.328.3930

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Municipal Credit Union
560 Courtlandt Ave, Bronx, NY 10451
www.nymcu.org
212.693.4900

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Spring Bank
69 E 167th St, Bronx, NY 10452
www.springbankny.com
718.879.5000

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Wells Fargo Bank
3709 Riverdale Ave, Bronx, NY 10463
www.wellsfargo.com
718.884.3700

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Ponce Federal Bank
2244 Westchester Ave, Bronx, NY 10462
www.poncedeleonbank.com
718.931.9000

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TD Bank
371 E 149th St, Bronx, NY 10455
www.tdbank.com
718.993.3090

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Ridgewood Savings Bank
3824 White Plains Rd, Bronx, NY 10467
www.ridgewoodbank.com
718.882.0440

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Quorum Federal Credit Union
130 W Kingsbridge Rd, Bronx, NY 10468
718.733.1223

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Bad Credit Loan Form for The Bronx NY

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

Learn about GAP (Gift Angel Program)

 

The Bronx NY Lender Service Area Map

Bronx Bad Credit Lenders Map - Initial Static Image

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The Bronx 5x5 Loan App Volume

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

  1. City Island
  2. Duyvil
  3. Hunts Point
  4. Union Port
  5. Morris Park

Bronx Zoo NY: Licensing

An Installment Loan in The Bronx

Lesly recently had a number of medical treatments and enhancements completed at a private clinic. She is very satisfied with the work that was completed and wants to proceed with the next phase.

Unfortunately for Lesly she used the last of her savings and cannot afford any more treatments. The medical center would like to be paid in advance for any work that is going to be completed.

She considered using her credit cards, however she knows that she cannot pay the balance in full when the statements are sent. She would end up paying at least 21% interest on any overdue balance and she really cannot afford it.

She would like to borrow the $15,000 it is going to cost her and pay it back over the next five years. She does not really care that some people would not consider this to be a good investment. She wants to do it anyway and besides her boyfriend approves of her looks which is very important to her.

They plan to get married in the near future and she wants to look her best for the wedding. He does not know about her additional plans so it will be a total surprise for him.

She is a little worried about taking on this extra debt, but she figures she is worth it.

A $15000 personal loan with a five-year term and 9% interest rate for Lesly cost her the following per month:

• Loan Amount (principal) = $15000
• Interest Rate = 9%
• Term Length = 5 year
• Monthly Payment = $311.38
• Total Paid Back = $18682.52
• Total Interest = $3682.52

Lesly was approved for the loan without any difficulty. She actually has a great credit rating and could have borrowed more money if she had needed the funds. She has second thoughts about going ahead with the medical procedures.

There can be complications and she is not sure she wants to risk it. She decided to discuss her plans with her boyfriend. Although he was very flattered that she would do this for him, he told her she was great the way she was and she should save the money for something else that they both would enjoy.

Lesly repaid most of the loan, since she was not going to need it after cancelling her plans for the medical treatments. They decided to go on a trip instead for their honey moon. Although they both have some savings, the loan helped then pay for the wedding and for the trip they are planning.

By keeping the payments at the same level, they can also repay the loan much more quickly while paying less total interest.
They are both really happy and Lesly’s credit rating score is even better than it was before she was approved for the loan.

She is repaying the loan early, meeting all her monthly payments and has a credit utilization of less than 10% which many lenders like to see. It was a great deal for all parties involved in this transaction.

If you live in the The Bronx NY and you need a loan regardless of a bad credit rating we hope our website helps you in some way.

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

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Employment & Education Advancement Opportunities in The Bronx NY

If you live in The Bronx and you're struggling to make ends meet, consider advancements in education and employment.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In The Bronx NY

Bronx Credit Counsellors Map - Initial Static Image

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Money Management International
903 Sheridan Ave 2nd floor
Suite 1, Bronx, NY 10451
www.moneymanagement.org
866.226.0278

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Best Credit Repair Master Corp
681 Courtlandt Ave #7d, Bronx, NY 10451
516.490.0522

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Credit Repair for North America
120 Asch Loop Suite 17B, Bronx, NY 10475
creditrepairnorthamerica.com
646.931.0255

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CareOne Credit
251 E 165th St, Bronx, NY 10456
929.295.6297

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Bronx Assistance Programs

Food Bank: Food Bank For New York City / Address: 355 Food Center Drive, Bronx, NY 10474 / Phone: 718.991.4300

Hot/Cold Meals: Part of the Solution (POTS) / Address: 2759 Webster Avenue, Bronx, NY 10458 / Phone: 718.220.4892

Homeless Shelter In Case of Eviction: Family Shelters Bronx / Address: 151 East 151st Street, Bronx, NY 10454 / Phone: 917.521.3900

Social Assistance Programs: VIP Community Services / Address: 1910 Arthur Ave, Bronx, NY 10457 / Phone: 800.850.9900

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Usury and Regs. Governing The Bronx NY

New York State's official website for consumer lending laws.

Summary of New York Usury Law(s) Pertaining to The Bronx / Legal: 16% Contract: 6% but not clear as per the New York State documentation / Judgment: 9% / Corporate: No rate specified.

To learn how you can file a complaint, and/or learn more about the legal code(s) and laws pertaining to consumer financial services in the State of New York go here.

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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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