Toledo OH
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This page was last updated September 2018

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Fair Credit Lenders in Toledo OH

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Directions Credit Union
3000 Tremainsville Rd Toledo
OH 43613 - directionscu.org
888.508.2228

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Toledo Metro FCU
1212 Adams St, Toledo
OH 43604 - 419.242.4926
www.toledometro.com

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Toledo Urban FCU
1441 Dorr St, Toledo
OH 43607 - 419.255.8876
www.toledourban.net

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Directions Credit Union
3450 Central Ave #128, Toledo
OH 43606 - directionscu.org
888.508.2228

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AP Federal Credit Union
3907 N Detroit Ave, Toledo
OH 43612 - www.apfedcu.com
419.476.2531

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Signature Bank
4607 W Sylvania Ave, Toledo
OH 43623 - 419.841.7773
www.signaturebankna.com

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Citizens Bank
1460 S Byrne Rd, Toledo
OH 43614 - 419.382.0121
locations.citizensbank.com

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Fifth Third Bank
4533 Monroe St, Toledo
OH 43613 - locations.53.com
419.475.1236

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Huntington Bank
2310 W Laskey Rd, Toledo
OH 43613 - www.huntington.com
419.471.2511

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Huntington Bank
4700 Heatherdowns Blvd, Toledo
OH 43614 - www.huntington.com
419.254.7015

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Bad Credit Loan Form for Toledo OH

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Toledo OH Lender Service Area Map

Toledo Bad Credit Lenders Map - Initial Static Image

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Toledo 5x5 Loan App Volume

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

  1. Glendale/Heatherdowns
  2. North Towne
  3. Southside
  4. Mellwood
  5. ONYX

Lukas County Courthouse Building in Toledo Ohio: Licensing/Credit

Car Loan in Toledo OH

Annie does not really know very much about cars. She was driving hers the other day and suddenly there was a cloud of blue smoke coming from her exhaust.

Other car drivers were honking their horns at her and motioning to her that she should stop.

She really did not know what the trouble was all about and she was afraid to stop her car along the highway. You never know what kind of nut is going to pull up behind you on the highway.

Anyway she managed to get home with the engine barely producing any power and clouds of dark smoke coming out of the exhaust.

One of the neighbors came running over and told her to shut her engine off before she blew the engine. Well it was already too late.

She tried restarting it the next day and of course it would not start. She had to have it towed to the mechanic she uses and he just looked at her as if she was nuts (her words not ours).

The engine was seized and nothing could be done to repair it. He told her that she either needed to buy another car or find another engine.

Now she either needs a large car loan or just a small one to pay for a new engine and the installation costs.

Her mechanic has an engine from another car that was damaged in an accident and can sell it to her installed for $3500. This is far better than buying another car and applying for a much larger car loan.

A $3500 loan with an five-year term and 7.19% interest rate for Annie would cost her the following per month:

• Loan Amount (principal) = $3500
• Interest Rate = 7.19%
• Term Length = 5 year
• Monthly Payment = $69.62
• Total Paid Back = $4177.10
• Total Interest = $677.10

It took several weeks for her mechanic to remove the old engine and install the used engine from the other car.

He had to order a few parts as well that were damaged in the accident the other car was in. This is a good engine for Annie, it only has 25000 miles on it so should last her many years as long as she takes care of it.

Her mechanic made her promise that she would bring it into the shop once a month. He wants to check all of the fluid levels and make sure that the tires have sufficient air pressure.

He is willing to do it for free as long as she brings the car to him when it needs service. He knows that she is not good at looking after something when she has no idea about how it works.

If she had just checked the oil level in her engine, she probably would not have had to spend $3500 on a new engine.

Her monthly payment for the car loan is quite affordable and she saved a great deal of money compared to buying another car and taking on a larger loan.

If you live in the Toledo 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 Toledo OH

If you live in Toledo 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 Toledo OH

Toledo Credit Counsellors Map - Initial Static Image

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Credit Counseling
Toledo OH 43604
419.241.4531


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GreenPath Debt Solutions
(near Toledo OH)
1627 Holland Rd Maumee
OH 43537 - 866.476.7284
www.greenpath.com

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Toledo Assistance Programs

Food Bank: SeaGate Food Bank of Northwest Ohio / Address: 526 High Street, Toledo, OH 43609 / Phone: 419.244.6996

Hot/Cold Meals: Toledo Northwestern Ohio Food / Address: 24 East Woodruff Avenue, Toledo, OH 43604 / Phone: 419.242.5000

Shelter In Case of Eviction: Toledo Gospel Rescue Mission / Address: 1917 Jefferson Avenue, Toledo, OH 43604 / Phone: 419.241.6579

Social Assistance Programs: Lucas County Department of Job & Family Services / Address: 3210 Monroe Street, Toledo, OH 43606 / Phone: 419.213.8800

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Usury and Regs. Governing Toledo

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

Summary of Ohio State Usury Law (that Toledo 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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