Queens NY
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New York State Lenders > Queens

This page was last updated July 2018

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Fair Credit Lenders in Queens NY

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Qside Federal Credit Union
211-31 Jamaica Avenue
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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Municipal Credit Union
134-66 Springfield Blvd
Springfield Gardens, NY 11413
www.nymcu.org
212.693.4900

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Lomto Federal Credit Union
50-24 Queens Blvd, Woodside, NY 11377
www.lomto.com
212.947.3380

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Greater Metro Federal Credit Union
31-10 37th Ave #403
Long Island City, NY 11101
www.greatermetrofcu.org
718.361.1002

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Queens County Savings Bank
15515 Aguilar Ave, Flushing, NY 11367
www.mynycb.com
718.969.6816

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Quontic Bank - Astoria
3105 Broadway, Astoria, NY 11106
www.quonticbank.com
718.215.4000

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TD Bank
7801 Queens Blvd, Elmhurst, NY 11373
www.tdbank.com
718.429.0511

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Queens County Savings Bank
5113 108th St, Flushing, NY 11368
www.mynycb.com
718.271.1800

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Xcel Federal Credit Union
1 Jamaica Center Plaza Lobby
Jamaica, NY 11430, Jamaica, NY 11435
www.xcelfcu.org
800.284.8663

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Bad Credit Loan Form for Queens NY

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

Learn about GAP (Gift Angel Program)

 

Queens NY Lender Service Area Map

Queens Bad Credit Lenders Map - Initial Static Image

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Queens 5x5 Loan App Volume

Top 5 Queens neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated: Monthly. See all of New York State personal loan volume data.

  1. Nkew Gardens
  2. Springfield Gardens
  3. Saintalbans
  4. Queensboro Hill
  5. Glendale

Rockaway Beach in Queens NY: Licensing

A Car Loan in Queens

John needs a car to get from Queens NY every day to New Jersey where he is currently working. He was just told that his current car needs about $5000 in repairs and was not sure if he should repair the car or purchase another late model used vehicle.

His current vehicle has over 300,000 miles on it and he has a lot of doubts about spending any more money on it. Even with these repairs he will not be confident that it will be safe to drive and may need more repairs in a few months.

The car has really served him well, but he feels that he should really purchase another car and for that he will need a car loan.
Car loan interest rates are really low at the present time.

The car is used as collateral for the loan which lowers the risk for the lender and qualifies the applicant for a lower interest rate. Rates as low as 1.99% are available for new vehicles and 2.79% for late model used vehicles at the present time.

These rates can change at any time. John has picked out a car he would like to purchase from a local dealer that he knows.
The lender needs some information from john in order to approve the loan.

He needs to provide the VIN number, the current mileage, the state where he will register the vehicle, the dealers name and address, any trade in information, and the amount that he will need to finance. Once all of this information is provided, his loan application can be processed.

He has indicated that a $19000 loan will allow him to pick up the car he needs including all taxes and registration fees. This vehicle also comes with a warranty for another year and a half and will provide better mileage and safety features for him compared to his older car.

He does not expect too much from his current car in terms of trade in value. A $19000 personal loan with a five-year term and 2.79% interest rate for John cost him the following per month:

• Loan Amount (principal) = $19000
• Interest Rate = 2.79%
• Term Length = 5 year
• Monthly Payment = $339.63
• Total Paid Back = $20378.10
• Total Interest = $1378.10

John is really satisfied with his new late model used car. He has been driving it back and forth to work for the past week. With better gas mileage and some new safety features that came with the car, he is really feeling good about his decision to purchase this car.

He was beginning to get anxious every time he drove the other car and now he can relax a lot more on his drive to and from work.

Obtaining the loan was really a smooth process and the dealer even through in a couple of oil changes for his car to sweeten the deal. They also installed brand new tires.

Although the car was a used vehicle, it appeared as if it was a new car. It smelled new and was well looked after by its former owner.

If you live in the Queens 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 Queens NY

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

Job Upgrade: Indeed / Career Builder

Education Advancement: College / University

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Credit Counseling In Queens NY

Queens Credit Counsellors Map - Initial Static Image

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Consolidated Credit Counseling Services
93-7 63rd Dr, Rego Park, NY 11374
www.consolidatedcredit.org
929.220.5798

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

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123 Credit & Debt Counseling
Queens Village, NY 11429
718.454.1679

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Credit Consultants Corp
11020 Jamaica Ave, Richmond Hill, NY 11418
www.lmfcredit.com
718.275.5134

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SG Credit Solution Credit Repair
30-91 31st St, Astoria, NY 11102
sgcreditsolution.com

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Queens Assistance Programs

Food Bank: MASBIA of Queens / Address: 105-47 64th Road, Forest Hills, NY 11375 / Phone: 718.534.7321

Hot/Cold Meals: Hollis Avenue Congregational / Address: 211-04 Hollis Avenue, Queens Village, NY 11429 / Phone: 718.468.1498

Homeless Shelter In Case of Eviction: Homes For the Homeless / Address: 17515 Rockaway Boulevard, Jamaica, NY 11434 / Phone: 718.244.0670

Social Assistance Programs: New Life Community Development / Address: 8210 Queens Blvd, Flushing, NY 11373 / Phone: 718.424.0122
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Usury and Regs. Governing Queens NY

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

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