Jamaica NY
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New York State Lenders > Jamaica

This page was last updated November 2018

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Fair Credit Lenders in Jamaica NY

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NY Team FCU
146-01 Archer Ave, Jamaica, NY 11435
www.nyteamfcu.org
718.990.8168

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Qside Federal Credit Union
211-31 Jamaica Ave, Queens Village, NY 11428
www.qsidefcu.org
718.353.1300

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Melrose Credit Union
13930 Queens Blvd, Briarwood, NY 11435
www.melrosecu.org
718.658.9800

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People's Alliance Federal Credit Union
110-31 Merrick Blvd, Jamaica, NY 11433
www.pafcu.org
718.298.8559

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Medisys EFCU
8900 Van Wyck Expy, Richmond Hill, NY 11418
www.medisysefcu.org
718.206.8216

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Capital One Bank
146-21 Jamaica Ave, Jamaica, NY 11435
maps.capitalone.com
718.657.1500

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TD Bank
150-50 Hillside Avenue, Jamaica, NY 11432
www.tdbank.com
718.206.9455

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Chase Bank
161-10 Jamaica Ave, Jamaica, NY 11432
locator.chase.com
718.658.1537

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Apple Bank
168-42 Hillside Avenue, Jamaica, NY 11432
www.applebank.com
718.739.2880

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Bad Credit Loan Form for Jamaica NY

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Jamaica NY Lender Service Area Map

Jamaica Bad Credit Lenders Map - Initial Static Image

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Jamaica 5x5 Loan App Volume

Top 5 Jamaica area codes for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated: Monthly.

  1. 11419
  2. 11436
  3. 11423
  4. 11435
  5. 11434

Unisphere Near Jamaica NY: Licensing

Loan to Stop Eviction in Jamaica NY

John is being threatened with eviction from his apartment. He is behind in his rent and if he does not pay the overdue rent plus the current months rent, his landlord is going to evict him at the end of the month.

He has managed to save enough for the current month, but his landlord says no deal unless he can pay everything he owes.

He lost his job three months ago, but has been able to get another job just last week and his first paycheck will come a couple days after the end of the month.

He cannot get an advance on his pay check. He just needs some help meeting his cash flow and then he will be able to get back on track financially.

The $2000 loan will be enough to pay all three months and leave a little bit left over for spending money until he receives his first pay check.

John does not have any savings either. He could go to his parents and borrow the money, but he really would prefer not to ask for their help.

His girl friend also offered to move in with him and share the rent. Although financially it would work, he is not really sure that he is ready for a full time relationship.

Obtaining the loan would give him some breathing space and time to figure things out regarding what he wants to do in his life.

A $2000 personal loan with a five-year term and 4% interest rate for John cost him the following per month:

• Loan Amount (principal) = $2000
• Interest Rate = 10%
• Term Length = 1 year
• Monthly Payment = $175.83
• Total Paid Back = $2109.98
• Total Interest = $109.98

John will be able to afford the monthly payments with his new job. He was approved for the loan and now is in good standing with his landlord.

He has promised to not let his rent situation get out of control again.

Once the pressure was removed regarding his rent situation, John also thought about what he wanted to do regarding a roommate.

He decided that having his girlfriend move in was a good thing to try. They decided that this would be a trial relationship and they would give it six months.

Neither one of them have been in a long term relationship before and neither has lived with anyone other than their parents before. They are going to take it slow and really talk things through.

Never the less, sharing the rent is good for them both. They can save a little money to put towards some furniture and maybe even renting a larger apartment.

Johns job is going well.

He even received a raise after the first month and hopes to move up in the company once he completed his training.

His girlfriend is working as a waitress and really makes great money from tips at the restaurant where she works.

Having this loan approved really rescued John from being evicted and also set him on a good path to turning his life around. His girlfriend is also happy.

If you live in the Jamaica 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 Jamaica NY

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

Job Upgrade: Indeed / Monster

Education Advancement: College / University (near Jamaica)

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Credit Counseling In Jamaica NY

Jamaica Credit Counsellors Map - Initial Static Image

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Creative Credit Counseling
8714 Springfield Blvd, Jamaica, NY 11427
www.creditcounselingservicesusa.com
718.740.3087

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Consumer Credit Counseling Services
1635 S Ridgewood Ave, Jamaica, NY 11432
718.658.1335

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Money Management International
161-10 Jamaica Ave Ste. 407, Jamaica, NY 11432
www.moneymanagement.org
866.226.0278

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Jamaica Assistance Programs

Food Bank: St. Nicholas of Tolentine R.C. Food Pantry / Address: 150-75 Goethals Avenue, Jamaica, NY 11432 / Phone: 718.969.3226

Hot/Cold Meals: MASBIA / Address: 105-47 64th Road, Forest Hills, NY 11375 / Phone: 718.534.7321

Homeless Shelter In Case of Eviction: Restfull Nights Organization / Address: 106-38 150th Stree, Jamaica, NY 11435 / Phone: 718.291.4600

Social Assistance Programs: Heartshare Human Services / Address: 9004 161st Street #609, Jamaica, NY 11432 / Phone: 718.739.5000

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Usury and Regs. Governing Jamaica NY

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

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