Fair Credit Lenders in Dayton OH
Lenders: contact
us for listing removal.
Daymet Credit Union
4988 Wagoner Ford Rd Dayton
OH 45414 - www.daymetcu.com
937.236.2562
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Dayton Firefighters FCU
338 S Patterson Blvd, Dayton
OH 45402 - www.dffcu.org
937.228.1614
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Wright-Patt Credit Union
3239 W Siebenthaler Ave, Dayton
OH 45406 - www.wpcu.coop
937.912.7000
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Day Air Credit Union
3434 York Commons Blvd, Dayton
OH 45414 - dayair.org
937.643.2160
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Universal 1 Credit Union
1 River Park Dr, Dayton
OH 45409 - www.u1cu.org
937.225.6800
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U.S. Bank Branch
2350 N Gettysburg Ave, Dayton
OH 45406 - locations.usbank.com
937.279.2850
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U.S. Bank Branch
10 N Ludlow St, Dayton
OH 45402 - locations.usbank.com
937.640.7670
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Chase Bank
175 Woodman Dr, Dayton
OH 45431 - locator.chase.com
937.443.6000
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Chase Bank
5730 N Dixie Dr, Dayton
OH 45414 - locator.chase.com
937.443.6070
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First Financial Bank
120 W 2nd Street Dayton
OH 45402 - www.bankatfirst.com
937.535.3700
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Bad Credit
Loan Form for Dayton OH
Dayton OH Lender Service Area
Map
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image for larger interactive map.
Dayton 5x5 Loan App Volume
Top 5 Dayton neighborhoods
for loan application volume in the last 5
months.
Source: WFL
Lender Pool. Updated: Monthly.
- McPherson
- Old Dayton
- Miami Chapel
- MacFarlane
- McCook Field
Bad Credit Loan in Dayton OH
Paul needs new dentures, but first he must have all
of his teeth pulled.
His gums will need to heal for several months and then he can be fitted
with dentures. All together the estimate the dentist has given him is
around $2500 to $3000.
He just does not have the money to go through with having his teeth
removed and dentures fitted. He needs a loan to help afford this medical
crisis.
He has another problem as well. His credit is bad due to some poor decisions
he has made in the last couple of years. For starters he overspent on
credit and then could not pay it back.
He also had a car loan and failed to make all of the payments on his
car. They repossessed the car and he still owes money to the leasing
company, which he is fighting at the moment.
Finally, if that was not enough, he could not pay his rent and was evicted
from a nice apartment. Needless to say, he had a really bad period where
he did not have much money and could not pay his bills.
Paul has managed to turn things around in the last year, however his
credit score will not improve for a few years until he has demonstrated
that he can handle credit and pays his bills.
Some credit reports of missed payments can stay on your credit report
from two to as many as seven years. It can take a long time before you
can get your credit rating back into the good category.
He is working full time and making enough money to pay all of his debts.
He does not have any extra cash to handle emergency medical issues such
as this one.
He wants to borrow $3000 to pay for his dental bills.
A $3000 loan with an four-year term and 9.19% interest rate for Paul
would cost him the following per month:
• Loan Amount (principal) = $3000
• Interest Rate = 9.19%
• Term Length = 4 year
• Monthly Payment = $74.93
• Total Paid Back = $3596.45
• Total Interest = $596.45
Anyone with bad credit will have a difficult time finding someone willing
to take the risk and to lend them money. This is Paul’s situation
and he just does not know what to do about it.
Although he is getting his life back on track and working full time,
insufficient time has passed to show that he now is a better credit
risk.
Even with a high interest rate as shown in the above example, many lenders
are afraid to take the risk. However, Paul is desperate and wants to
get this medical work completed.
He is willing to have his employer pay the loan directly from his pay.
Not many lenders or employers are willing to make this kind of arrangement.
The lenders prefer to withdraw the monthly loan payments directly from
the persons account each month.
He may have to resort to working overtime as much as he can and saving
the money he needs for the dentist. In the meantime, he will have to
endure the pain that his teeth are causing him until he can have them
pulled.
If you live in the Dayton 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 Dayton OH
If you live in Dayton 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 Dayton OH
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for larger interactive map.
Consumer Credit Counseling Service
660 S Main St Dayton
OH 45402 - 937.643.2227
graceworksdebtcounseling.org
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Consumer Credit Counseling Service
6430 Inner Mission Way, Dayton
OH 45459 - 937.643.2227
www.graceworksdebtcounseling.org
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Federal Resources
FTC
Budget PDF / USA.GOV
Debt Info
Dayton Assistance Programs
Food Bank: The Foodbank
/ Address: 56 Armor Place, Dayton, OH 45417 / Phone: 937.461.0265
Hot/Cold Meals: House
of Bread / Address: 9 Orth Avenue, Dayton, OH 45402 / Phone: 937.226.1520
Shelter In Case of Eviction:
Daybreak / Address: 605 South Patterson Boulevard, Dayton, OH 45402 /
Phone: 937.395.4600
Social Assistance Programs:
Montgomery County Job Center / Address: 1111 South
Edwin C Moses Boulevard, Dayton, OH 45417 / Phone: 937.225.4148
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Usury and
Regs. Governing Dayton
Ohio
Government Department of Commerce Website for consumer lending laws
and a lot more.
Summary of Ohio State Usury
Law (that Dayton 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
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- Bad credit scores
below FICO 650
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review your pre-application(s)
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not worsen your credit score
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starting as low as 9% (cs)
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24 hours and 5 days
- Terms from 6
months to 10 years
- Borrow between
$500 and $50,000
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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
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- Borrow form $5000 - $150,000
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