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New York State Lenders > Syracuse

This page was last updated September 2018

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Fair Credit Lenders in Syracuse NY

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Cooperative Federal
723 Westcott St, Syracuse, NY 13210
www.cooperativefederal.org
315.473.0270

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Secny Federal Credit Union
3819 Brewerton Rd, Syracuse, NY 13212
secny.org
315.214.2995

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MONEY Federal Credit Union
100 Madison St, Syracuse, NY 13202
www.moneyfcu.org
315.671.4000

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Empower Federal Credit Union
515 Erie Blvd W, Syracuse, NY 13204
www.empowerfcu.com
800.462.5000

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Chase Bank
801 James St, Syracuse, NY 13203
locator.chase.com
315.476.0987

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Geddes Federal Savings & Loan Association
2208 W Genesee St, Syracuse, NY 13219
www.geddesfederal.com
315.468.6281

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Bank of America Financial Center
2334 James St, Syracuse, NY 13206
locators.bankofamerica.com
315.438.8697

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M&T Bank
3640 James St, Syracuse, NY 13206
locations.mtb.com
315.463.6111

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Empower Federal Credit Union
515 Erie Blvd W, Syracuse, NY 13204
www.empowerfcu.com
800.462.5000

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Bad Credit Loan Form for Syracuse NY

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

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Syracuse NY Lender Service Area Map

Syracuse Bad Credit Lenders Map - Initial Static Image

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Syracuse 5x5 Loan App Volume

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

  1. University Hill
  2. Near Westside
  3. Near Northeast
  4. Elmwood
  5. Eastwood

City Hall Buliding in Syracuse NY: Licensing

Personal Loan in Syracuse NY

Mike was recently invited to go to Vegas to help celebrate his buddies up coming marriage. It was supposed to be a bunch of close friends of the groom who would spend the weekend celebrating his friend’s marriage.

They had a really great time, saw a few shows, had some parties and gambled a bit. Unfortunately for Mike his gambling a bit cost him almost $2500 and when added to the cost of the trip itself, he spent a total of $5000 in a weekend!

Mikes wife is furious with him. He spent money they do not have and now will have to repay. It was all charged to his credit card which was another big issue.

He received a number of cash advances from his credit card account which triggers interest charges immediately at the going credit card interest rate of 21% in his case.

This wedding is going to cost him a bundle, because they still have to buy a gift and they have to travel to the wedding.

He wants to borrow $5000 immediately to repay his credit card and reduce the interest he is paying. Mike’s wife has told him he has to fix this and pay it off before they can go on any other trips or even go to the wedding.

She is definitely not happy!

A $5000 personal loan with a five-year term and 6% interest rate for Mike cost him the following per month:

• Loan Amount (principal) = $5000
• Interest Rate = 6%
• Term Length = 5 year
• Monthly Payment = $96.66
• Total Paid Back = $5799.84
• Total Interest = $799.84

Mike had no problem being approved for the loan and at less than $100 a month, it is quite affordable for him. This was a really expensive weekend and he has probably learned his lesson.

He will be much more careful next time he goes to Vegas. In fact, his wife will probably only let him go as long as she is along to keep an eye on the expenses.

Several of his buddies also had to apply for loans to deal with the expense of this bachelor weekend and the cost of the wedding later on.

In Mike’s case they had already saved up for the wedding and the gift so they were ok on that front. They both went to the wedding after all.

Mike and his wife are on better terms now, although she is very unhappy about having to postpone some of the renovations they were planning to do.

They had planned to landscape the backyard and build a new deck. A new barbeque and a fountain were also part of those plans.

They decided to delay these changes until the loan was fully paid which they are attempting to do in less than two years vs. the five-year term they signed up for.

Both he and his wife have great credit scores and could qualify for a larger loan, however they want to manage their debt and only spend the money when they can afford it.

This is one of the reasons mike’s wife was so upset. One weekends lack of control really upset all of their plans for the future.

If you live in the Syracuse 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 Syracuse NY

If you live in Syracuse 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 Syracuse NY

Syracuse Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling Services
5794 Widewaters Pkwy, Syracuse, NY 13214
315.313.6401

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Money Management International
5794 Widewaters Pkwy, Syracuse, NY 13214
www.moneymanagement.org
713.394.3232

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A American Debt Consolidation
201 N Main St, Syracuse, NY 13212
315.458.2706

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Queens Assistance Programs

Food Bank: St. Lucy's Food Pantry / Address: 425 Gifford Street, Syracuse, NY 13204 / Phone: 315.424.0023

Hot/Cold Meals: Assumption Church Food Pantry / Address: 808 N Salina Street, Syracuse, NY 13208 / Phone: 315.473.9101

Homeless Shelter In Case of Eviction: Barnabas House (Salvation Army) / Address: 1912 South Salina Street, Syracuse, NY 13205 / Phone: 315.475.9720

Social Assistance Programs: Catholic Charities / Address: 1654 West Onondaga Street, Syracuse, NY 13204 / Phone: 315.424.1800

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Usury and Regs. Governing Syracuse NY

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

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