Philadelphia PA
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Pennsylvania Lenders > Philadelphia

This page was last updated July 2018

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

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Fair Credit Lenders in Philadelphia

Lenders: contact us for listing removal.

Santander Bank
3131 Market St, Philadelphia, PA 19104
locationssantanderbank.com
215.349.6000
9AM - 5PM Mon - Wed
9AM - 5PM Thu - Fri
9AM - 2PM Sat
Closed Sunday

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United Bank of Philadelphia
1620 Wadsworth Ave, Philadelphia, PA 19150
www.ubphila.com
215.242.0500
9AM - 4PM Mon - Thu
9AM - 5PM Fri
9AM - 12PM Sat
Closed Sunday


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Viriva Community Credit Union
1423 Spruce St, Philadelphia, PA 19102
www.viriva.com
215.333.1201
9AM - 5PM Mon - Fri
Closed Weekends

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Mariner Finance
2141 Cottman Ave a, Philadelphia, PA 19149
www.marinerfinance.com
267.350.3701
9AM - 5PM Mon, Wed, Thu
9AM - 7PM Tue
9AM -5:30PM Fri
Closed Weekends

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OneMain Financial
6418 Sackett St, Philadelphia, PA 19149
www.onemainfinancial.com
215.333.7725
8:30AM – 5:30PM Mon, Wed -Fri
8:30AM – 7PM Tue
Closed Weekends


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Sun Federal Credit Union
6301 Oxford Ave D, Philadelphia, PA 19111
sunfederalcu.org
800.786.0945
8AM–4:30 PM Mon - Thu
8AM–5:30 PM Fri
Closed Weekends


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Philadelphia Federal Credit Union
929 Snyder Ave, Philadelphia, PA 19148
www.pfcu.com
215.934.3500
8AM–5PM Mon - Wed
8AM–6PM Thu
8AM–7PM Fri
9AM–2PM Sat
Closed Sunday


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American Heritage Federal Credit Union
2620 W Hunting Park Ave, Philadelphia, PA 19129
www.amhfcu.org
215.221.0341
8AM–5PM Mon - Fri
9AM–3PM Sat
Closed Sunday


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Bad Credit Loan Form for Philly PA

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

Learn about GAP (Gift Angel Program)

 

Philadelphia PA Lender Service Area Map

Philadelphia 5x5 Loan App Volume

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

  1. Roxborough
  2. Wharton
  3. Mount Airy
  4. Tioga
  5. Torresdale

$2000 Loan For Used Car In Philadelphia

Karri from Philadelphia had to come up with a quick loan for $2000 dollars so she could buy a used car. She found the car online and she had it checked out by a mechanic friend of hers. He said the the car was a really good deal and mentioned the owner could easily sell it for twice what he was asking.

Great. But the problem her was Karri's credit score. Her FICO was 623 which was low enough to cause problems. Problems like lenders not giving you the time of day. She tried to get approved with some run-of-the-mill PDL and CA lenders in her neighborhood, but they wouldn't lend her more than $500. Fine. That's a good outcome for Karri. You don't want to get in the quickie cash cycle of debt.

She started doing extra hours at the recreation center where she works full time hours, but it was going to take a long time to save up an extra $2000. She needed the cash immediately so she had transportation. She had to have a reliable car for work, shopping, taking kids from point A to point B, etc.

She found our site using the Bing search engine and read the accounts of other borrower's getting approved for their loans. She also noticed that many of them had credit scores as low as hers (and even lower). The fact that there was no FICO implications using our pre-application form to 500+ lender, gave her the encouragement to give it a try. She just didn't want any PDL scams offer either so she felt good about that too.

She used the Fast Loan Pre-App form to get her application as high up the que as possible. Her pre-app was approved by our staff within 3 minutes (she applied during business hours), and she got her first email from a lender the next morning. The interest rate that lender quoted was a little too high for her liking at 15%, so she waited to see if there were other lenders who might email her.

She knew she was going to have to pay an interest higher than people who have excellent credit, but 15% wasn't much better than her credit cards. But she got two more emails the same day. One lender offered her a two year term at 13% and the other offered her 11.7% for a one year term. She made the smart call by accepting the 11.7% offer. Less interest paid out and the loan was over and done a year.

We have the calculations for Karri's $2000 loan below here for you to check out. We used the same calculator you see here on this page.

  • Principal = $2000
  • Interest Rate = 11.7%
  • Term Length = 1 year
  • Monthly Payment = $177.42
  • Total Paid Back = $2129
  • Total Interest paid out = $129

Like we mentioned above the loan calculator, we just use it for estimating the interest paid the lender, the monthly payment amount, and the total amount paid to the lender over the full term (in this case one year).

You can see it all panned out for Karri - not bad really, and she was able to easily make the payments at around $180 a month. She got her car and was able to keep their life on track.

If you live in the Philadelphia PA and you need a loan regardless of a bad credit rating we hope our website helps you in some way.

Sincerely,

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 Philadelphia PA

If you live in Philadelphia 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 Philadelphia PA

Quality Credit Repair
1810 Grant Ave #2, Philadelphia, PA 19115
www.qualitycreditrepair.com
888.399.3898

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Financial Empowerment Centers
5847 Germantown Ave, Philadelphia, PA 19144
www.fecphilly.org
855.346.7445

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Clarifi Delaware Valley
7340 Jackson St, Philadelphia, PA 19136
www.clarifi.org
215.624.1783

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Consumer Credit Counseling Services
4400 N Reese St, Philadelphia, PA 19140
www.consumercredit.com
267.365.7887

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Credit Rescue Inc.
124 Chestnut St, Philadelphia, PA 19106
www.creditrescueamerica.com
215.333.2200

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Credit Repair Philadelphia
1213 Vine St, Philadelphia, PA 19107
215.429.2632

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Credit & Debt Counseling Services
1515 Market St, Philadelphia, PA 19103
215.922.0411

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Usury and Regs. Governing Philly

We encourage Philadelphia applicants to check Pennsylvania State's official website for consumer lending laws.

Summary of Pennsylvania State Usury Law (that Philadelphia lenders must adhere to) / Legal: 6% to $50,000 Contract: 6.5% / Judgment: 6% / Corporate: No specific rate / to learn how you can file a complaint, and/or learn more about the legal code(s) and laws pertaining to consumer financial services in the State of Pennsylvania go here.

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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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