Dayton OH
Fair To Bad Credit Loans

We Find Lenders Who Lend To Bad Credit Borrowers

We Find Lenders Inc. Fair To Bad Credit Loans Logo

Home > How To Apply >

Ohio Lenders > Dayton

This page was last updated July 2018

Commentary is for informational purposes only. See legal disclaimers here.

Bad Credit Loan Testimonial Reviews

APR Reports In Your Area (?)
Enter zip and your 3 digit credit score.

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


- - - - - - - - - - - - - - - - - - - - - - - -

Dayton Firefighters FCU
338 S Patterson Blvd, Dayton
OH 45402 - www.dffcu.org
937.228.1614

- - - - - - - - - - - - - - - - - - - - - - - -

Wright-Patt Credit Union
3239 W Siebenthaler Ave, Dayton
OH 45406 - www.wpcu.coop
937.912.7000

- - - - - - - - - - - - - - - - - - - - - - - -

Day Air Credit Union
3434 York Commons Blvd, Dayton
OH 45414 - dayair.org
937.643.2160

- - - - - - - - - - - - - - - - - - - - - - - -

Universal 1 Credit Union
1 River Park Dr, Dayton
OH 45409 - www.u1cu.org
937.225.6800

- - - - - - - - - - - - - - - - - - - - - - - -

U.S. Bank Branch
2350 N Gettysburg Ave, Dayton
OH 45406 - locations.usbank.com
937.279.2850

- - - - - - - - - - - - - - - - - - - - - - - -

U.S. Bank Branch
10 N Ludlow St, Dayton
OH 45402 - locations.usbank.com
937.640.7670

- - - - - - - - - - - - - - - - - - - - - - - -

Chase Bank
175 Woodman Dr, Dayton
OH 45431 - locator.chase.com
937.443.6000

- - - - - - - - - - - - - - - - - - - - - - - -

Chase Bank
5730 N Dixie Dr, Dayton
OH 45414 - locator.chase.com
937.443.6070

- - - - - - - - - - - - - - - - - - - - - - - -

First Financial Bank
120 W 2nd Street Dayton
OH 45402 - www.bankatfirst.com
937.535.3700

- - - - - - - - - - - - - - - - - - - - - - - -

Bad Credit Loan Form for Dayton OH

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

Learn about GAP (Gift Angel Program)

 

Dayton OH Lender Service Area 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.

  1. Lakeview
  2. University Row
  3. McCook Field
  4. Madden Hill
  5. Pineview

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.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

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

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Credit Counseling In Dayton OH


Consumer Credit Counseling Service
660 S Main St Dayton
OH 45402 - 937.643.2227
graceworksdebtcounseling.org


- - - - - - - - - - - - - - - - - - - - - - - -


Consumer Credit Counseling Service
6430 Inner Mission Way, Dayton
OH 45459 - 937.643.2227
www.graceworksdebtcounseling.org

- - - - - - - - - - - - - - - - - - - - - - - -

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.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

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

 

Loan Calculator / Estimation Only

- - - - - - - - - - - - - - - - - - - - - Enter
  Loan Amount
  Interest rate
  Term In Yrs
- - - - - - - - - - - - - - - - - - - - - Results
  Mo. Payment
  $$ To Lender
  $$ of Interest

 

Important Information

FAQ / Privacy / Terms / Contact / Site Map

Disclaimer / Security / FICO Impact / Credits

About the WFL Lender Pool / Our Team

Ad Disclosure / APR & Fees / Collection

Default Implications / Service Areas

 

Back to Top

©2018 We Find Lenders Inc. All Rights Reserved