Scranton PA
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Pennsylvania Lenders > Scranton

This page was last updated November 2018

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

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Fair Credit Lenders in Scranton

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First Credit Union of Scranton
605 Davis St Scranton
PA 18505 - www.firstcu.org
570.961.8953


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NET Credit Union
119 Mulberry St, Scranton
PA 18503 - 570.961.5300
www.netcreditunion.com

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Scranton Times Downtown FFCU
129 Penn Ave, Scranton
PA 18503 - 570.348.9192
www.scrantontimesefcu.com

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NET Credit Union
920 Oak St, Scranton
PA 18508 - 570.961.5300
www.netcreditunion.org

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Penn East FCU
441 N 7th Ave, Scranton
PA 18503 - 570.342.2720
www.penneastfcu.org

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FNCB Bank
419 Spruce St, Scranton
PA 18503 - www.fncb.com
570.343.6572

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Wayne Bank
216 Adams Ave, Scranton
PA 18503 - www.waynebank.com
570.344.6113

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Fidelity Bank
400 S Main Ave, Scranton
PA 18504 - 570.504.8180
www.bankatfidelity.com

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First National Bank
601 W Lackawanna Ave, Scranton
PA 18503 - 570.558.3600
locations.fnb-online.com

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Peoples Security Bank & Trust Company
420 Davis Street Scranton
PA 18505 - www.psbt.com
570.955.1883

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Bad Credit Loan Form for Scranton PA

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Scranton PA Lender Service Area Map

Scranton Bad Credit Lenders Map - Initial Static Image

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Scranton 5x5 Loan App Volume

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

  1. East Mountain
  2. The Hill (East Scranton)
  3. Downtown Scranton
  4. South End Scranton
  5. The Marvine

Electric City Building in Scranton PA: Licensing/Credit

Car Loan in Scranton PA

Cibele is looking for a new car to commute back and forth to work. She is not looking for anything too luxurious and she wants something that is really good on gas.

While gas prices have come down in recent years, it is just a matter of time before they start going up again and she does not want to be caught with a gas guzzler.

Most of her driving is commuting to and from work with a small amount of local driving on the weekends.

Her present car is on its last legs and she does not want to put any more money into repairs. just last month she spent over $500 on it and the mechanic told her that it is just a matter of time before the muffler will fall off and she will need new tires.

Rather than deal with spending a lot of money on this old car, she wants a new dependable gas efficient car to drive. She might get a $1000 for her old car as a trade in, but not much more than that.

Cibele works as a dental hygienist and has been with the same dental office for over 5 years. She loves her job and plans to stay in this career line for the foreseeable future.

She might move to another office to find something a little closer to where she lives, but there are no definite plans at this time. She needs $15000 to purchase the car she would like and would also like a five year term to repay the car loan.

A $15000 loan with an five year term and 3.4% interest rate for Cibele would cost her the following per month:

• Loan Amount (principal) = $15000
• Interest Rate = 3.4%
• Term Length = 5 year
• Monthly Payment = $272.20
• Total Paid Back = $16332.30
• Total Interest = $1332.30

Her credit rating is in good shape and she has little other debt. She has a couple of credit cards with a zero balance on both of them.

Interest rates for car loans are very competitive at the moment. If she uses her car as collateral and is willing to place a 10% down payment on the car, she can qualify for a reduced interest rate loan, which makes this car very affordable.

She mentioned that her present car needs new tires and a new muffler system. She had already spent $500 on it just last month.

This car loan will only cost her $1332 in interest charges over the five years and she gets to drive a brand new car that will not need any major repairs during that time frame.

She is making the right decision. In fact, many car owners faced with major repairs on their existing car should consider a new car.

The interest charges for their car loans will not cost much more than the average repair costs over the life of the loan.

In fact, it may cost them less than the repairs they might have to make depending on the age and condition of the current vehicle that they drive.

If you live in the Scranton PA and you need a loan regardless of a bad credit rating we hope our web site 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 Scranton PA

If your living in Scranton PA, and dealing with financial issues, consider advancing your education and/or finding a higher paying job.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Scranton PA

Scranton Credit Counsellors Map - Initial Static Image

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Credit Counseling
(south of Scranton)
Wilkes-Barre PA 18701
570.829.5912


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Advantage Credit Counseling Service
(south of Scranton)
401 Laurel St, Pittston, PA 18640
www.advantageccs.org
866.699.2227

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Scranton Assistance Programs

Food Bank: Bread Basket / Address: 550 Madison Avenue, Scranton, PA 18510 / Phone: 570.343.2324

Hot/Cold Meals: St. Francis of Assisi Kitchen / Address: 500 Penn Avenue, Scranton, PA 18503 / Phone: 570.342.5556

Shelter In Case of Eviction: Keystone Mission / Address: 8 West Olive Street, Scranton, PA 18508 / Phone: 570.871.4795

Social Assistance Programs: Department Of Human Resources Jefferson County / Address: 2001 12th Avenue North, Scranton, AL 35234 / Phone: 205.423.4900

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Usury and Regs. Governing Scranton

Pennsylvania State's official website for consumer lending laws.

Summary of Pennsylvania State Usury Law (that Scranton 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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