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West Virginia Lenders > Huntington

This page was last updated September 2018

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Fair Credit Lenders in Huntington WV

Lenders: contact us for listing removal.

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Huntingtonized Federal Credit Union
481 W 8Th Avenue Huntington / WV 25701
www.huntingtonized.com
304.528.2400

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Universal Federal Credit Union
317 31st Street, Huntington
WV 25702 / www.universalfcu.com
304.697.2919

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Pioneer West Virginia FCU
416 Main Street, Huntington
WV 25702 / www.pioneerwv.org
304.348.6648

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Star USA Federal Credit Union
607 3rd Avenue, Huntington
WV 25701 / www.starusafcu.com
304.697.4900

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Huntington C & O Railway FCU
901 6th Avenue, Huntington
WV 25701 / www.c-ocreditunion.com
304.522.7998

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Pace Federal Credit Union
502 8th Street, Huntington
WV 25701 / www.pacefederal.com
304.399.5772

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Metro Community FCU
215 18th Street, Huntington
WV 25703 / 304.697.4652
www.metrocommunityfcu.com

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Union Trades Federal Credit Union
330 14th Street, Huntington
WV 25701 / uniontradesfcu.com
304.523.7284

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Waycose Federal Credit Union
3851 Piedmont Road, Huntington
WV 25704 / waycosefcu.com
304.429.1213

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CHHE Federal Credit Union
1204 Hal Greer Boulevard Huntington
WV 25701 / www.chhe.org
304.525.4145

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Bad Credit Loans in Huntington WV

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

Learn about GAP (Gift Angel Program)

 

Huntington WV Lender Area Map

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Huntington WV Loan App Volume

Top 5 Huntington neighborhood loan app volume

  1. Altizer
  2. 11th Avenue/5th Street
  3. City Center
  4. 5th Avenue/13th Street
  5. South Huntington

Keith Albee Theatre in Huntington WV: Licensing/Credit

Huntington Bad Credit Loan Example

Terri wants to sell her home and is trying to figure out how much she should spend on her home before she places it on the market for sale.

She recently met with an agent who made several suggestions regarding repairs and improvements to help her home sell more quickly and sell for a higher price.

This is a huge dilemma for her. Actually she would just like to sell it as is and move to another home.

Her home needs about $40k in repairs and improvements according to her agent.

The list includes a new asphalt driveway, replacement of the carpets, several windows need to be replaced (they are leaking) and of course repainting of the entire interior of the home.

She could also spend a little money on cleaning up the landscaping in the front and backyards. This would improve the curb appeal.

Her agent told Terri that if she does all of these repairs etc., the house will compare well with other homes that have recently sold in her neighborhood and she should expect similar prices.

If she does not make these changes, then her home will be considered a fixer upper and attract a totally different set of buyers who would be looking for a deal to cover all of the costs associated with making these improvements.

This is a tough decision for Terri and she will need to decide soon if she wants to move within the next few months.

A $40000 loan with an five-year term and 5.29% interest rate for Terri would cost her the following per month:

Loan Amount (principal) = $40000
Interest Rate = 5.29%
Term Length = 8 year
Monthly Payment = $511.94
Total Paid Back = $49196.02
Total Interest = $9146.02

Terri decided to obtain several estimates for the work that needs to be completed around her home.

These estimates came in at around $38,500 and allowing for contingencies, she probably needs around $40,000 in total. She also decided to apply for a loan and how much it would cost her for the loan.

Although the loan term is indicated as 8 years, this is just to manage the monthly payments until the home is sold. She will repay the total loan from the proceeds of the sale.

Now that she has all of the information she needs it is decision time. She knows what the cost will be for the improvements and the cost of the loan.

She is still a little nervous about the recommendations from her agent regarding the market price of the home pre-repairs and post repairs. One step she can do is to get one or two more estimates from other agents and then make a decision.

Terri can use her home as security for this loan which will help to manage her costs for interest charges. There will be appraisal charges and registration fees for a secured loan which will need to be factored into the total costs of her decision.

Terri is still evaluating what she wants to do and will make a decision shortly.

If you're living in Huntington like Terri, 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.

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Upgrades Nearest Huntington WV

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

Education Upgrades: College / University

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Huntington Credit Counseling

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Counselors contact us for listing removal or info change.

Abundant Life Credit Repair
US-60, Huntington, WV 25705

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123 Credit & Debt Counseling
1135 6th Ave, Huntington, WV 25701
304.526.4486


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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Huntington Assistance Programs

Food Bank: Facing Hunger / Address: 1327 7th Avenue, Huntington, WV 25701 / Phone: 304.523.6029

Hot/Cold Meals: Nazareth House / Address: 1319 6th Avenue, Huntington, WV 25701 / Phone: 304.486.5073

Shelter In Case of Eviction: Huntington City Mission / Address: 624 10th Street, Huntington, WV 25701 / Phone: 304.523.0293

Social Assistance Programs: Huntington Housing Authority / Address: 300 W 7th Avenue, Huntington, WV 25701 / Phone: 304.526.4400

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Usury Law Governing Huntington WV

Summary of West Virginia Usury Law(s) / Legal: 6% / Contract: West Virginia Lender, sellers and other creditors are authorized to charge, as an alternative to other rates under any provision, up to a maximum rate fixed by the Lending and Credit Rate Board (18% in June 2006). No law limiting interest rates may be applied to any debt incurred by a loan, installment sale or similar transaction primarily for a business purpose / Judgment: 10% / Corporate: No special rate (read more on West Virginia lending laws)

Complaint process for Huntington residents:

West Virginia Division of Financial Institutions / West Virginia Complaint Process / Compaint form PDF for download

West Virginia Division of Financial Institutions / 900 Pennsylvania Avenue, Suite 306, Charleston, WV 25302 / Phone: 304.558.2294 Fax: 304.558.0442

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WFL Loan Products

Huntington 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.

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