Fair Credit Lenders in Columbia SC
Lenders: contact
us for listing removal.
- - - - - - - - - - - - - - - - - - - - - - - -
Palmetto Citizens Federal CU
1320 Washington St Columbia
SC 29201 / www.palmettocitizens.org
803.732.5000
- - - - - - - - - - - - - -
- - - - - - - - - -
Caro / Smart Financial Solutions
4480 Rosewood Drive, Columbia
SC 29209 / www.smartcaro.org
803.227.5555
- - - - - - - - - - - - - -
- - - - - - - - - -
Brookland Federal Credit Union
1058 Sunset Blvd, West Columbia
SC 29169 / www.brooklandfcu.org
803.794.9201
- - - - - - - - - - - - - -
- - - - - - - - - -
SC Methodist Conference CU
4901 Colonial Drive, Columbia
SC 29203 / www.scmccu.org
803.691.0037
- - - - - - - - - - - - - -
- - - - - - - - - -
Brookland Federal Credit Union
1058 Sunset Blvd, West Columbia
SC 29169 / www.brooklandfcu.org
803.794.9201
- - - - - - - - - - - - - -
- - - - - - - - - -
Carolina Foothills Federal CU
1609 E North Street, Greenville
SC 29607 / 800.922.4403
carolinafoothillsfcu.coop
- - - - - - - - - - - - - -
- - - - - - - - - -
AllSouth Federal Credit Union
730 Elmwood Avenue, Columbia
SC 29201 / www.allsouth.org
803.736.3110
- - - - - - - - - - - - - -
- - - - - - - - - -
First Cooperative Credit Union
808 Knox Abbott Drive, Cayce
SC 29033 / 803.796.0234
www.1stcooperative.org
- - - - - - - - - - - - - -
- - - - - - - - - -
Safe Federal Credit Union
201 12th Street, West Columbia
SC 29169 / www.safefed.org
803.796.7782
- - - - - - - - - - - - - -
- - - - - - - - - -
Carolinas Telco
110 Outlet Pointe Blvd Columbia
SC 29210 / www.ctelco.org
800.622.5305
- - - - - - - - - - - - - -
- - - - - - - - - -
Bad Credit
Loans in Columbia SC
Columbia SC Lender
Area Map
Tap image for interactive
map.
Columbia SC Loan App
Volume
Top 5 Columbia
neighborhood loan app volume
- Arthurtown
- Knollwood
- Hampton Ridge
- Kilbourne Heights
- Belvedere
Columbia Bad Credit Consolidation
Can you imagine getting into an accident with your car
and ending up owing almost $15000 for traffic fines, court costs, legal
fees and costs for damage repairs to your car?
That is what happened to Laura when she accidently ran
a stop sign, hit another car as it was going through the intersection
and then hit a light pole causing damage to the car and the light pole.
Her insurance paid for the damages to the car that she
hit and to the city for repairing the light pole at the intersection.
She is responsible for the damages to her own car since she did not have
adequate coverage for her car.
The police also fined her for running a stop sign, driving
distractedly i.e. checking her text messages on her phone and driving
her car while under the influence.
She decided to fight some of the charges and now she is
regretting it. She should have just paid the fine. It would have cost
her less money.
Now she owes about $12000 in total for court fees, her
lawyer and repairs to her car. She also has a small credit card debt that
she would like to consolidate on this same loan.
One monthly payment at low interest rates would be helpful
at this point to minimize her overall monthly payments. She has an average
credit score and a regular job with sufficient income to support her lifestyle
and the loan she is applying for. She does not have any other debts.
Her car was an older model car and fully paid for.
All together she needs $15000 to cover everything and if she can arrange
for a low interest loan spread over 4 or 5 years, she will be able to
manage the monthly payments quite nicely. The only other payments she
has is one for the mortgage, the taxes and of course her utilities.
A $15000 loan with a five-year term and 7% interest rate
for Laura would cost her the following per month:
Loan Amount (principal) = $15000
Interest Rate = 7%
Term Length = 5 year
Monthly Payment = $297.02
Total Paid Back = $17821.08
Total Interest = $2821.08
Laura was actually very fortunate. Her accident could
have cost her much more than the damages to her car and the court fees
and fines.
She might have been severely injured or she might have
injured someone else. She is very lucky even though she must pay the damages
to her car, the court costs and the fines.
The loan was approved for her and she will have one payment
that is easily affordable for her.
Unfortunately, her auto insurance increased due to the
fact she had an accident and it was her fault. This is not uncommon and
it can take several years with a good driving record before she will see
her insurance premiums come down.
Between the fines, court fees and the damages, along with
the scare she received from being in an accident she realizes that she
is a very lucky woman.
She has vowed that she will not text and drive nor will
she talk on the phone while driving unless it is hands free. This will
be the safest thing to do and it will cost her a lot less money in the
long run.
If you're living in Columbia like Laura,
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 Columbia SC
Job/Income Upgrades: Indeed
/ Snag-A-Job
Education Upgrades:
College / University
- - - - - - - - - - - - - - - - - - -
- - - - - - - - - -
Columbia
Credit Counseling
Tap image for interactive
map.
Counselors contact
us for listing removal or info change.
Credit Lady 777
521 Meeting St West Columbia
SC 29169 / creditlady777.com
803.764.5035
- - - - - - - - - - - -
- - - - - - - - - - - -
Credit Score 650
1314 Lincoln Street, Columbia
SC 29201 / 803.999.4141
www.creditscore650.com
- - - - - - - - - - - -
- - - - - - - - - - - -
Masters Credit Consultants
Columbia, SC 29201 / 864.249.9466
masterscredit.com
- - - - - - - - - - - -
- - - - - - - - - - - -
Federal Resources
FTC
Budget PDF / USA.GOV Debt Info
Columbia Non-Profit Services
Food Bank: Harvest Hope
Food Bank / Address: 2220 Shop Road, Columbia, SC 29201 / Phone: 803.254.4432
Hot/Cold Meals: Washington
Street United Methodist Church / Address: 1401 Washington Street, Columbia,
SC 29201 / Phone: 803.256.2417
Shelter In Case of Eviction:
Transitions Homeless Center / Address: 2025 Main Street, Columbia, SC
29201 / Phone: 803.708.4861
Social Assistance Programs:
Columbia Housing Authority / Address: 1917 Harden Street, Columbia, SC
29204 / Phone: 803.254.3886
- - - - - - - - - - - - - - - - - - - - - - - -
Usury Law Governing
Columbia SC
Summary of South Carolina
Usury Law(s) / Legal: 6% or 8.75% - South Carolina legal rate
is 8.75% when term "legal rate" is used in contract, judgment
or document / Contract: Any rate or as per the Consumer Protection Code
/ Judgment: 7.25% / Corporate: Rate not specific
(read
more on South Carolina lending laws)
Complaint process for Columbia
residents:
South
Carolina Board of Financial Institutions
/ South
Carolina Complaint Process / South
Carolina Complaint Portal
Physical Address: PO Box 5757, 2221 Devine
Street, Suite 200, Columbia SC 29250-5757 / Phone: 800.922.1594 Fax: 803.734.4286
/ Mail Complaint to: SCDCA Attn: Consumer Services / PO Box 5757 Columbia,
SC 29250-5757
- - - - - - - - - - - - - - - - - - -
- - - - - - - - - -
WFL Loan Products
Loan Calculator / Estimation Only
Important Information
FAQ / Privacy / Terms / Contact / Site
Map
Disclaimer / Security / FICO
Impact / Credits
Ad
Disclosure / APR
& Fees / Collection
Default
Implications
To Top
©2021
We Find Lenders Inc. All Rights Reserved
|