Buffalo NY
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New York State Lenders > Buffalo

This page was last updated November 2018

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Fair Credit Lenders in Buffalo NY

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Buffalo Service Credit Union
130 S Elmwood Ave #126, Buffalo, NY 14202
www.buffaloservicecreditunion.org
716.842.1320

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Buffalo Metropolitan FCU
62 S Elmwood Ave, Buffalo, NY 14202
www.bflometrocu.org
716.847.6960

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Buffalo Cooperative Federal Credit Union
816 Elmwood Ave, Buffalo, NY 14222
www.coopcreditunion.com
716.881.3767

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Empire ONE Federal Credit Union
1155 William St, Buffalo, NY 14206
www.empireonefcu.org
716.854.2458

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Bank on Buffalo
535 Washington St #101, Buffalo, NY 14203
www.bankonbuffalo.bank
716.462.5500

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M&T Bank
709 Elmwood Ave, Buffalo, NY 14222
locations.mtb.com
716.882.8776

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Evans Bank
925 Elmwood Ave, Buffalo, NY 14222
www.evansbank.com
716.882.7788

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Citizens Bank
1893 Elmwood Ave, Buffalo, NY 14207
locations.citizensbank.com
716.447.1274

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Buffalo Fire Department Credit Union
971 Kenmore Ave, Kenmore, NY 14217
www.crcfcu.com
716.874.7284

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Cadets Federal Credit Union
927 Grant St, Buffalo, NY 14207
www.cadetsfcu.com
716.873.1174

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Bad Credit Loan Form for Buffalo NY

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

Learn about GAP (Gift Angel Program)

 

Buffalo NY Lender Service Area Map

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Buffalo 5x5 Loan App Volume

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

  1. Triangle
  2. North Delaware
  3. Waterfront
  4. Lovejoy
  5. South Abbott

McKinley Monument in Buffalo NY: Licensing

Business Loan in Buffalo New York

Helen's small business is suffering from success. As fast as she can get product into her store, it is selling to her customers. They are clamoring for more. Many are asking if they can order online as well.

Her profits are up and she is even hiring additional staff to cope with the volume. You would think that a successful small business like hers would have no problem finding a lender to set up a small business loan.

She wants to expand her business and she also needs money to cover raw materials and product so she can meet the demand she is experiencing. She is afraid that a competitor will step into the same market with better financing and take many of her customers.

She needs a small business loan with a revolving credit feature that will provide the cash she needs to build her business further.

Lenders are always nervous about these kinds of loans because there is nothing the borrower can provide as security to cover the loan. The building is usually rented and the stock and raw materials are often not enough to cover the loan if the business gets into some kind of financial trouble.

Helen knows she can make this work and expand slowly as well to manage the overall risk. She is applying for a $100,000 revolving credit small business loan and is willing to do whatever she needs to get this loan approved. She is even willing to put her home up as collateral for the loan.

A $100000 personal loan with a five-year term and 4% interest rate for Helen cost her the following per month:

• Loan Amount (principal) = $100000
• Interest Rate = 4%
• Term Length = 5 year
• Monthly Payment = $1841.65
• Total Paid Back = $110499.13
• Total Interest = $10499.13

Although the calculations above indicate a large monthly payment, if Helen is approved for a revolving credit loan, she would only need to pay the accrued interest each month.

As receipts are processed from customer sales, the proceeds can go directly to the loan and she can also draw on the loan to pay suppliers and employees as needed.

Helen finally was approved for the small business loan by one of our lenders. She is now set up to draw on the loan as needed. This loan has made her financial life much easier to deal with and has allowed her to focus on the core business.

Helen is reviewing her plans to add another store vs. expanding the foot print of her current store and building her online business as well.
She is also looking at doing more online marketing and sales fulfillment compared to adding another brick and mortar store front.

This approach would allow her to reduce her overall costs for rent and utilities, while increasing sales to online customers. Her success appears to be driving so many opportunities for her and she is looking forward to expanding sales over the next year.

If you live in the Buffalo 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 Buffalo NY

If you live in Buffalo 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 Buffalo NY

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Consumer Credit Counseling Service
40 Gardenville Pkwy W #300
West Seneca, NY 14224
www.consumercreditbuffalo.org
716.712.2060

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123 Credit & Debt Counseling
Buffalo, NY 14202
716.324.2736

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Cred X Debt Recovery LLC
4252 Ridge Lea Rd, Buffalo, NY 14226
www.credxdebtrecovery.com
888.236.7147

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Buffalo Debt Relief
266 Elmwood Ave, Buffalo, NY 14222
716.650.5440

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Buffalo Assistance Programs

Food Bank: Food Bank of WNY / Address: 91 Holt Street, Buffalo, NY 14206 / Phone: 716.852.1305

Hot/Cold Meals: South Buffalo Community Table / Adress: 187 Southside Parkway, Buffalo, NY 14220 / Phone: 716.822.3193

Homeless Shelter In Case of Eviction: Buffalo City Mission / Address: 100 E Tupper Street, Buffalo, NY 14203 / Phone: 716.854.8181

Social Assistance Programs: Erie County Social Services Department / Address: 95 Franklin Street, Buffalo, NY 14202 / Phone: 716.858.8000

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Usury and Regs. Governing Buffalo NY

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

Summary of New York Usury Law(s) Pertaining to Buffalo / 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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