Staten Island NY
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New York State Lenders > Staten Island

This page was last updated November 2018

Commentary is for informational purposes only. See legal disclaimers here


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Fair Credit Lenders in Staten Island NY

Lenders: contact us for listing removal.  

Municipal Credit Union
2546 Hylan Blvd, Staten Island, NY 10306
www.nymcu.org
212.693.4900

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Polish & Slavic Federal Credit Union
1919 Hylan Blvd, Staten Island, NY 10305
en.psfcu.com
718.668.2787

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Federal Credit Union
4886 Arthur Kill Rd, Staten Island, NY 10309
718.356.1616

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Actors Federal Credit Union
501 Bay St, Staten Island, NY 10304
www.actorsfcu.com

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TD Bank
1837 Richmond Ave, Staten Island, NY 10314
www.tdbank.com
718.982.1124

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Richmond County Savings Bank
2555 Richmond Ave, Staten Island, NY 10314
www.mynycb.com
718.983.1072

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Santander Bank
1630 Forest Avenue, Staten Island, NY 10302
locations.santanderbank.com
718.556.6470

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Bad Credit Loan Form for Staten Island NY

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

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Staten Island NY Lender Service Area Map

Staten Island Bad Credit Lenders Map - Initial Static Image

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Staten Island 5x5 Loan App Volume

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

  1. Oakwood
  2. Ardon Heights
  3. Midland Beach
  4. Port Richmond
  5. Westerleigh/Castleton

Staten Island Ferry: Licensing

Signature Loan in Staten Island NY

Last year Sam arranged for home renovations to be completed at his home. He purchased a new patio door and some windows to replace the older ones.

They were not very energy efficient and he also wanted to upgrade his home a bit to make it more attractive. He got a great deal on the windows including installation.

The store he purchased the windows and patio door from were offering a one-year interest free credit card as part of the incentive to make the purchase.

Sam had other bills and expenses to deal with and decided to wait until the free interest period was finished. The problem he now has is that he needs to borrow the money to pay off this credit card which will shortly begin to incur interest charges.

Since it is a store credit card, the interest rate is close to 30%! If he does not pay it off and pays interest he will lose all of the savings, he gained when he made the purchase in the first place.

A signature loan would be perfect for him. He knows he should really have set aside some money to pay this bill, but he didn’t and needs this loan approved quickly.

He is considering a five-year term and plans to pay it back more quickly once he is able to reduce some other debt that he currently has.

A $6500 personal loan with a five-year term and 6.5% interest rate for Sam cost him the following per month:

• Loan Amount (principal) = $6500
• Interest Rate = 6.5%
• Term Length = 5 year
• Monthly Payment = $127.18
• Total Paid Back = $7630.80
• Total Interest = $1130.80

Sam was approved for the loan and quickly repaid his store credit card. He decided to close the account even though he knows that it might negatively impact his credit rating.

He does not want to be tempted to use this credit card especially when the interest charged is so high.

In fact, by closing the account he is now eligible for a new credit account at the same store. They often have specials that offer the same deal of free interest for a year as an incentive for signing up for an account.

He likes this approach, but will try to make sure that he has the money to repay the credit card this time.

He and his wife are considering more renovations to their home. There are more windows to replace and he wants to get rid of all of the carpets in their home.

Depending on the total cost, he may complete these renovations in several phases to avoid going too far into debt. If the store does not offer an interest free loan, then he will just wait until a really good sale comes along and then go ahead. Either way he can afford to wait.

Sam is considering a signature line of credit which he can borrow from anytime he needs money up to a specified limit.

This approach would give him lots of flexibility as well in terms of making decisions about when to proceed with his renovation plans.

If you live in the Staten Island 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 Staten Island NY

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

Job Upgrade: Indeed / Staten Island Live

Education Advancement: College / University

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Credit Counseling In Staten Island NY

Staten Island Credit Counsellors Map - Initial Static Image

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Credit Doctors Inc
780 Forest Ave, Staten Island, NY 10310
718.815.7000

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Credit Hounds
31 Bruno Ln, Staten Island, NY 10307
917.748.4799

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DC Business Solutions Inc
369 Darlington Ave, Staten Island, NY 10312
www.creditrepairleader.com
718.948.2022

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Queens Assistance Programs

Food Bank: Project Hospitality / Address: 514 Bay Street, Staten Island, NY 10304 / Phone: 718.273.6737

Hot/Cold Meals: Trinity Evangelical Lutheran Church / Address: 309 St Pauls Avenue, Staten Island, NY 10304 / Phone: 718.447.0526

Homeless Shelter In Case of Eviction: Project Hospitality Family Shelter / Address: 100 Central Avenue, Staten Island, NY 10301

Social Assistance Programs: Volunteers America / Address: 31 Slaight Street, Staten Island, NY 10302 / Phone: 718.442.2309

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Usury and Regs. In Staten Island NY

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

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