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This page was last updated July 2018

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Fair Credit Lenders in Cleveland OH

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Cleveland Police Credit Union
2301 Payne Ave, Cleveland, OH 44114
www.clevepolicecu.com
216.861.3535
8AM–4PM Mon - Fri
Closed Weekends


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Ohio’s First Class Credit Union
1800 Carnegie Ave, Cleveland, OH 44115
www.ofccu.com
216.241.1088

8:30AM - 4:30PM Mon, Tues, Thu, Fri
10AM - 4:30PM Wed
Closed Weekends

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Firefighters Community Credit Union
2300 St Clair Ave NE, Cleveland, OH 44114
www.ff.community.com
216.621.4644
8:30AM - 4PM Mon - Fri
Open till 6PM Thu
Closed Weekends


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Huntington Bank
4260 Ridge Rd, Cleveland, OH 44114
www.huntington.com
216.515.0064
9AM - 6PM Mon - Fri
9AM - 2PM Sat
Closed Sunday


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Dollar Bank
3115 W 25th St, Cleveland, OH 44109
www.dollarbank.com
216.621.8000
9AM - 4PM Mon - Thu
9AM - 6PM Fri
9AM - 2PM Sat
Closed Sunday


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Third Federal Savings & Loan
1900 W 25th St, Cleveland, OH 44113
www.thirdfederal.com
216.696.0326
9AM - 4PM Mon - Thu
9AM - 6PM Fri
Closed Weekends


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Bad Credit Loan Form for Cleveland OH

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

Learn about GAP (Gift Angel Program)

 

Cleveland OH Lender Service Area Map

Cleveland 5x5 Loan App Volume

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

  1. Tremont
  2. North Broadway
  3. Clark Fulton
  4. W Boulevard
  5. Ohio City/West Side

$4000 Loan In Cleveland OH

Loai needed to borrow $4000 to cover expenses associated with his two vehicles and cover his credit card debt.

He was applying for a his loan online and hoped to be approved within a couple of days with a competitive interest rate. Loai has an average credit rating and works full time in the auto industry.

His problems started with charging over $2000 to his credit cards and not being able to repay the full balance when the statement arrived.

Carrying a balance on his credit card was costing him 21% interest on the overdue balance. He has a low threshold or total chargeable of $3000 on the credit card.

Winter was coming and he wanted to purchase new all season tires for both of his vehicles. He and his wife drive to work in separate cars.

The tires on his cars were almost bald and needed to be replaced. He does not want to get caught on a wet slippery day. Fortunately, they do not get much snow in Cleveland, but it does happen and you have to have good tires on your car or end up in the ditch.

He had a few weeks yet before the first snowfall, but wanted to beat the rush and take advantage of several sales on tires that were being offered at the time.

He cannot charge the purchase to his credit card. He still owed almost $2000 to the credit card and his approval limit is only $3000.

The tires came to almost $2000 installed. He wanted a loan of $4000 with a term of 1 year and as low an interest rate as he could find.

His payments and interest costs were as follows, assuming an interest rate of 10% on a $4000 loan repayable over one year.

• Loan Amount (principal) = $4000
• Interest Rate = 10%
• Term Length = 1 year
• Monthly Payment = $351.66
• Total Paid Back = $4219.96
• Total Interest = $219.96

Loai was easily approved for his loan. He qualified with average credit and received his money in his account the following day. He was able to take advantage of a sale on tires and have them installed on both cars the following week.

Good thing too, since the first light snow fall occurred the week after. He also repaid his credit card balance and reduced his overall interest rate cost from 21% to 10% giving him a substantial savings.

His monthly payments on his loan is $351.66, however he hopes to be able to repay his loan in about ten months which will save him some additional interest charges. His loan can be repaid in full at any time, including extra payments.

Repaying a loan like this one will also help his credit rating as well. Paying his credit card in full and maintaining a zero balance each month along with repaying the loan will boost his credit rating and make it much easier to get a loan in the future at a low interest rate.

He was able to save a lot of money in interest as well as buying his tires on sale.

If you live in the Cleveland OH 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 Cleveland OH

If you live in Cleveland and you're struggling with making ends meet, you may consider advancing your education and/or finding a higher paying job. We've provided some links here to help with that.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Cleveland OH


Debt Hero Cleveland: Credit Counseling
600 Superior Ave, Cleveland, OH 44114
440.368.5751

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Precise Solutions Network
15809 Lorain Ave, Cleveland, OH 44111
www.preciseteam247.com
216.586.6607 ext 600

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Apprisen CCCS Fairhill Rd Location
12200 Fairhill Rd, Cleveland, OH 44120
www.apprisen.com
216.231.5322

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CCCS of Cleveland
Cleveland, OH 44106
www.consumercredit.com
216.231.5322

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Baker Baker & Baker LLC
55 Public Sq Ste 1330 Cleveland, OH 44113
216.771.3966

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Cleveland Debt Relief
1265 W 6th St Cleveland, OH 44113
866.921.3523

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Cleveland Credit Card Debt Consolidation
4502 Commerce Ave Cleveland, OH 44103
216.302.2004

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Premier Credit Management Systems
5788 Ridge Rd Ste 3 Cleveland, OH 44129
440.888.7991

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Credit Is My Life
#201 16301 Chagrin Blvd Cleveland, OH 44120
216.245.2584

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Premier Credit Management System
7515 Pearl Rd Ste 6b Cleveland, OH 44130
440.888.7991

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Usury and Regs. Governing Cleveland

Ohio Government Department of Commerce Website for consumer lending laws and a lot more.

Summary of Ohio State Usury Law (that Cleveland lenders must follow) / Legal: 5% Contract: 8% but rate not limited for business loans / Judgment: 7% / Corporate: No specific rate / to file a complaint go here, and/or learn more about the legal code(s) and statutes and laws applicable to the State of Ohio view our Ohio State page.

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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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