Lenders: contact
us for listing removal.
Horizon Federal Credit Union
1007 E 3rd St Williamsport
PA 17701 - www.horizonfcu.org
570.326.3636
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Wyrope Williamsport FCU
1536 Riverside Dr, Williamsport
PA 17702 - www.wyrope.org
570.323.5188
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West Branch Valley Credit Union
1640 High St, Williamsport
PA 17701 - www.wbvfcu.org
570.323.9407
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Financial 1st FCU
2875 Reach Rd, Williamsport
PA 17701 - financial1fcu.org
570.322.2061
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WAT Federal Credit Union
445 Elmira St, Williamsport
PA 17701 - www.watfedcu.org
570.326.7033
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First National Bank
90 Maynard St, Williamsport
PA 17701 - 570.329.5600
locations.fnb-online.com
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Citizens & Northern Bank
130 Court St, Williamsport
PA 17701 - www.cnbankpa.com
570.601.6000
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M&T Bank
405 River Ave, Williamsport
PA 17701 - locations.mtb.com
570.327.1174
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Citizens & Northern Bank
1510 Dewey Ave, Williamsport
PA 17701 - www.cnbankpa.com
570.323.9305
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Santander Bank
301 Shiffler Ave Williamsport
PA 17701 - 570.327.5127
locations.santanderbank.com
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Bad Credit
Loan Form for Williamsport PA
Williamsport PA Lender Service Area
Map
Tap
image for larger interactive map.
Williamsport 5x5 Loan App Volume
Top 5 Williamsport neighborhoods
for loan application volume in the last 5 months.
Source: WFL
Lender Pool. Updated: Monthly.
- Fairview Terrace Newberry
- Grampian/Washington
- Deckerhood
- Dewey Avenue Area
- Old Lycoming
Installment Loan in Williamsport PA
Mark is in love with his girlfriend and they want to
get married. He does not have a lot of money, but he wants to buy her
a nice ring, have a small wedding and go on a honeymoon to the coast.
They both work full time and have been living together for a couple
of years. He would like to surprise her in a few days with the ring
and the tickets for the trip.
They have one credit card account and no other debts. She looks after
the money in their little family so he cannot just buy the ring and
charge it to his credit card.
She would receive an email alert that there was a large expense charged
to their credit card immediately and that would be the end of the surprise!
He does not have another credit card.
His future wife has been really good for him and has turned his life
around, helped him get out of debt and forced him to save for their
future together.
While they really cannot afford to spend this kind of money right now,
Mark would really like to spring this surprise on his future wife.
A $4200 loan with a six year term and 6.2% interest rate for Mark would
cost him the following per month:
• Loan Amount (principal) = $4200
• Interest Rate = 6.2%
• Term Length = 6 year
• Monthly Payment = $70.00
• Total Paid Back = $5040.24
• Total Interest = $840.24
While Mark has improved his finances in the last year, he is still dealing
with a bad credit rating. His credit score dropped because he was late
paying his bills for utilities and for his credit card payment.
Fortunately, there is no other debt and except for these events that
are now over a year old, his credit score is beginning to improve.
Many consumers do not realize that various reports to the credit review
agencies will stay on your report for at least two years and sometimes
longer depending on the issue. It can take a long time for credit scores
to improve.
Mark is also a little worried that his girlfriend will be upset with
him for spending this money without talking it over with her first.
Of course it would not be a surprise if he did.
This is a big deal for them and he would really like to make this time
in their life special.
The lenders in this situation really would like to help Mark out with
this installment loan. Although the monthly payments are quite low with
a longer term of 6 years, they would prefer something much shorter for
this type of loan.
A shorter term is going to increase the monthly payment which Mark will
have to consider. He is naturally concerned about taking on a loan that
will limit their plans with regards to buying a home in a couple of
years.
Mark is really in a difficult situation. Although he does not have the
money to pay for the ring and the trip, he really wants to propose and
do it right. There will be more to this story before he makes a decision.
If you live in the Williamsport 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 Williamsport PA
If your living in Williamsport PA, and
dealing with financial issues, consider advancing your education and/or
finding a higher paying job.
Job Upgrade: Indeed
/ Snag-A-Job
Education Advancement:
Penn College / Lycoming
College
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Credit Counseling
In Williamsport PA
Tap image
for larger interactive map.
Consumer Credit Counseling Services
201 Basin Street #6 Williamsport
PA 17701 - 570.601.0324
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Federal Resources
FTC
Budget PDF / USA.GOV
Debt Info
Williamsport Non-Profit Services
Food Bank: Central Pennsylvania
Food Bank / Address: 3301 Wahoo Drive, Williamsport, PA 17701 / Phone:
570.321.8023
Hot/Cold Meals: West
End Christian Community Center / Address: 901 Diamond Street, Williamsport,
PA 17701 / Phone: 570.323.6297
Shelter In Case of Eviction:
Saving Grace Shelter / Address: 324 Campbell Street, Williamsport, PA
17701 / Phone: 570.323.4130
Social Assistance Programs:
Lycoming County Assistance Office / Address: 400
Little League Boulevard, Williamsport, PA 17701 / Phone: 570.327.3300
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Usury and
Regs. Governing Williamsport
Pennsylvania
State's official website for consumer lending laws.
Summary of Pennsylvania
State Usury Law (that Williamsport 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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