Tulsa OK
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 >

Oklahoma Lenders > Tulsa

This page was last updated September 2018

Commentary for informational purposes only. See disclaimers here.

Bad Credit Loan Testimonial Reviews

Let's get you approved
Enter zip and your 3 digit credit score.

Fair Credit Lenders in Tulsa OK

Lenders: contact us for listing removal.

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

Employees Federal Credit Union
1120 W 17th Street Tulsa
OK 74107 / employeesfed.com
918.582.7573

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

Tulsa Federal Credit Union
3017 W Main Street, Jenks
OK 74037 / tulsafederalcu.org
918.610.0200

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

TTCU Federal Credit Union
3801 W Okmulgee Ave, Muskogee
OK 74401 / www.ttcu.com
918.749.8828

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

Energy One Federal Credit Union
220 W 7th Street, Tulsa
OK 74112 / www.energyone.org
800.364.3628

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

Red Crown Credit Union
3101 W Kenosha Street, Broken Arrow
OK 74012 / www.redcrown.org
918.477.3200

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

OKCU / Oklahoma's Credit Union
440 S Houston Ave #8, Tulsa
OK 74127 / www.okcu.org
918.582.0850

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

Hillcrest Federal Credit Union
1635 E 11th Street, Tulsa
OK 74120 / 918.579.7998
hillcrestcreditunion.com

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

Morning Star FCU
1014 E Pine Street, Tulsa
OK 74106 / 918.582.9422

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

Golden Eagle FCU
585 N Memorial Dr Tulsa
OK 74115 / 918.836.6752
www.goldeneaglefcu.org

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

American Airlines FCU
4000 N Mingo Road Tulsa
OK 74116 / 918.292.4230
www.aacreditunion.org

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

Bad Credit Loans in Tulsa OK

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

Learn about GAP (Gift Angel Program)

 

Tulsa OK Lender Area Map

Tulsa Bad Credit Lenders Map - Initial Static Image

Tap image for interactive map.

Tulsa OK Loan App Volume

Top 5 Tulsa neighborhood loan app volume

  1. Terwilliger Heights
  2. Utica Square
  3. 71 Street Corridor
  4. Uptown
  5. Southern Hills

Praying Hands in Tulsa Oklahoma: Licensing/Credit

Tulsa Bad Credit Loan Example

Mathew has his home up for sale and hopes to close a deal within the next several months. He and his family want to move to a different neighborhood, closer to schools, parks, recreation and shopping areas. They know they will need to move quickly and find a home they like once their current home is sold.

Mathew is actively working with a real estate agent who focuses in the area that they would like to move to.

His real estate agent has suggested that Mathew should seek pre-approval for a mortgage large enough to cover the home in the price range of what they are planning.

He has some money saved and he will have the proceeds from the sale of his current home to use as a down payment. On the positive side he will have a large down payment which is a very good from a mortgage approval perspective. Lenders view clients with large down payments as lower risk customers.

Unfortunately, Mathew has a bad credit rating. As a result, he is finding it difficult to find a lender to provide him with pre-approval for a mortgage for a home that he would like to purchase.

He is actually considering taking his current home off the market due to his difficulty finding a lender to pre-approve him for a new mortgage. The family was quite excited about moving and now there is a great deal of disappointment.

He needs to find a lender to preapprove a $200000 mortgage so that he can move ahead with his plans.

A $200000 loan with a 30 year term 6.9% interest rate for Mathew would cost him the following per month:

Loan Amount (principal) = $200000
Interest Rate = 6.9%
Term Length = 30 year
Monthly Payment = $1317.20
Total Paid Back = $474192.10
Total Interest = $274192.10

The monthly payments will be substantial at over $1300 a month plus another estimated $700 for property taxes. This is not a problem for Mathew. He and his wife make sufficient income to carry the mortgage and tax payments of this magnitude.

With a better credit score, he could have qualified for a lower interest rate and lower monthly payments.

Mathew's bad credit score stems from a dispute he had over medical bills with the local health care provider he is signed up with. They did not want to pay for his child's hospital expenses and referred the case to a tax collector.

The dispute eventually got resolved, in Mathew's favor, but not after his credit score dropped due to debt collection activity and reports.

He is working with lenders to discuss this report and show them that other than this one event he does have an excellent credit score and can be counted on to meet his financial obligations.

He is providing documentation to support his position. He really has only about another week before he must make a decision to go ahead with the sale of his home or call the entire thing off. His real estate agent is fully engaged and ready to begin showing his home. They anticipate that the home will sell quickly due to the seller's market that currently exists.

If you're living in Tulsa like Mathew, and need a loan regardless of your credit rating, we may be able to help you find a willing lender.

Sincerely,

Chris Somerset

Chris Somerset is a writer for the WFL Project.

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

Upgrades Nearest Tulsa OK

Job/Income Upgrades: Indeed / Snag-A-Job

Education Upgrades: College / University

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

Tulsa Credit Counseling

Tulsa Credit Counsellors Map - Initial Static Image

Tap image for interactive map.

Counselors contact us for listing removal or info change.

Christian Credit Counseling
6705 E 81st Street #152 Tulsa
OK 74133 / 918.492.5585
christiancreditcounsel.com

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

Debt Reduction Services
4111 S Darlington Ave #610
Tulsa, OK 74135 / 918.660.0200
www.debtreductionservices.org

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

Money Management International
7633 E 63rd Pl Suite 300, Tulsa
OK 74133 / 713.394.3232
www.moneymanagement.org

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

Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Tulsa Assistance Programs

Food Bank: Community Food Bank of Eastern Oklahoma / Address: 1304 North Kenosha Avenue, Tulsa, OK 74106 / Phone: 918.585.2800

Hot/Cold Meals: Iron Gate / Address: 501 South Cincinnati Avenue, Tulsa, OK 74103 / Phone: 918.359.9038

Shelter In Case of Eviction: The Tulsa Day Center for the Homeless / Address: 415 West Archer Street, Tulsa, OK 74103 / Phone: 918.583.5588

Social Assistance Programs: Tulsa County Social Services / Address: 2401 Charles Page Boulevard, Tulsa, OK 74127 / Phone: 918.596.5560

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

Usury Law Governing Tulsa OK

Summary of Tulsa Usury Law(s) / Legal: 6% / Contract: Any rate unless subject to Oklahoma U.C.C. / Judgment: Tulsa judgment rate is 4% over U.S. T-bill rate for previous year / Corporate: No specific rate (read more on Oklahoma lending laws)

Complaint process for Tulsa residents:

Oklahoma Banking Department / Complaint Process

Physical Address: Tulsa Banking Department / 2900 North Lincoln Boulevard, Oklahoma City, OK, 73105 / Phone: 405.521.2782 or 918.295.3649 / Fax: 405.522.2993

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

WFL Loan Products

Tulsa residents who require a fresh start with a bad credit loan to rebuild credit learn more here. Or, perhaps your score is just fair - you can learn more here. If you're in debt way over your head, you can learn about our debt consolidation solutions here.

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

Ad Disclosure / APR & Fees / Collection

Default Implications

 

To Top

©2018 We Find Lenders Inc. All Rights Reserved