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Ohio Lenders > Parma

This page was last updated September 2018

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Fair Credit Lenders in Parma OH

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Unity Catholic Credit Union
5839 Ridge Road Parma
OH 44129 - 440.886.2558
www.unitycatholiccu.org

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Holy Family Parma Federal CU
7367 York Road, Parma
OH 44130 - 440.842.1620
holyfamilycreditunion.com

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PSE Credit Union
5255 Regency Drive, Parma
OH 44129 - 440.843.8300
www.psecreditunion.org

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Parma Selfreliance CU
6108 State Road, Parma
OH 44134 - 440.884.9111
clevelandselfreliance.com

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Wiremen's Credit Union Inc
5800 State Road, Parma
OH 44134 - www.wiremenscu.com
440.887.3800

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Chase Bank
8479 W Ridgewood Drive, Parma
OH 44129 - locator.chase.com
440.886.4300

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Huntington Bank
6660 Ridge Road, Parma
OH 44129 - www.huntington.com
216.515.0005

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Huntington Bank
7400 Broadview Road, Parma
OH 44134 - www.huntington.com
216.515.0067

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U.S. Bank Branch
5659 Broadview Road, Parma
OH 44134 - locations.usbank.com
216.739.3740

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Citizens Bank
5775 Chevrolet Blvd Parma
OH 44130 - 440.888.6111
locations.citizensbank.com


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Bad Credit Loan Form for Parma OH

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Parma OH Lender Service Area Map

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Parma 5x5 Loan App Volume

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

  1. Nottingham Estate
  2. Big Creek
  3. St Andrews Drive
  4. Dogwood Estates
  5. Brookview

Robert W. Henry House in Parma Heights Ohio: Licensing/Credit

Personal Loan in Parma OH

Judy needs a personal loan because she has been told that she must purchase an electric scooter and modify her home so that she can use it around her home as well as getting in and out.

She falls easily and does not have very good balance. If she falls she could really injure herself and potentially break something which would make matters even worse for her.

She is looking at both new and used scooters as well as getting estimates for the changes that she needs to her home.

She does not mind buying a used one, but the real issue for her is modifying her home with ramps so she can easily get in an out.

She does not have the money and as far as she knows she is not eligible for any grants. Her limited medical insurance does not cover this kind of expense either.

She is looking for help and plans to purchase the scooter even if it has to stay outdoors.

Based on the estimates she has received and a scooter she has found on line, she feels that she needs around $4000 to pay for everything.

She would like to arrange for a personal loan of $4000 and repay the loan over a period of 4 years.

With her excellent credit rating she is expecting to be approved quickly and also with a loan that comes with a competitive low interest rate.

Her income is somewhat limited which is a cause for concern.

A $4000 loan with an four-year term and 6.19% interest rate for Judy would cost her the following per month:

• Loan Amount (principal) = $4000
• Interest Rate = 6.19%
• Term Length = 4 year
• Monthly Payment = $94.29
• Total Paid Back = $4525.87
• Total Interest = $525.87

Although Judy does have a great credit rating, her income is quite limited.

She can barely meet the cash flow for rent and living expenses at the present time. Fortunately, this loan will only add less than $100 a month to her expenses.

If she is able to reduce expenses in some other areas she should be able to afford this new expense. The lender has asked that she show how she will be able to afford this new loan expense and be able to live comfortably.

Judy was very fortunate. A neighbor heard of her situation and has volunteered to make all of the modifications to her home for her. He is going to build several ramps in places where they are needed which will reduce the cost considerably.

Now she can reduce her loan requirement, making it more affordable for her and still purchase a scooter that is sufficiently good condition to meet her needs.

She is going to resubmit her application in the next few days and have her loan reassessed. With a little help from friends and neighbors, Judy should be able to be much more mobile than she thought and she will be able to afford the loan payment as well.

If you live in the Parma 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 Parma OH

f you live in Parma and need more money consider a job and/or education upgrade. You can do it!

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Parma OH

Parma Credit Counsellors Map - Initial Static Image

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Apprisen - CCCS
5339 Ridge Rd #201 Parma
OH 44129 - www.apprisen.com
440.886.1290


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Apprisen - CCCS
21403 Chagrin Blvd #102
Beachwood - OH 44122
www.apprisen.com
216.231.5322

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Parma Assistance Programs

Food Bank: Parma Area Family Collaborative / Address: 11212 Snow Road, Parma Heights, OH 44130 / Phone: 440.887.4873

Hot/Cold Meals: Parma Heights Food Pantry / Address: 6369 Pearl Road, Cleveland, OH 44130 / Phone: 440.842.6491

Shelter In Case of Eviction: Julie Adams House / Address: 4770 Broadview Road, Cleveland, OH 44109 / Phone: 216.741.2871

Social Assistance Programs: Parma Public Housing Agency / Address: 1440 Rockside Road #306, Parma, OH 44134 / Phone: 216.661.2015

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Usury and Regs. Governing Parma

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

Summary of Ohio State Usury Law (that Parma 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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