Do you have over $10,000 in Debt? Apply for debt relief.
Free Debt Relief Quote

24 Month Direct Loan Of $39000 With A Fair FICO Credit Score Of 523

Finding loans for fair credit has never been easier. We have a list of loan providers that offer fair credit personal loans and bad credit loans. We have presented lenders offering fair credit loans that require a 620 credit score to apply and bad credit loans with a 500 credit score and above to apply. Fair credit loans range from $1,000 to to $50,000. If you have a 500 to 600 credit score, we have lenders that will offer loans in amounts from $500 to $5,000. We have also listed lenders that specialize in working with consumers with a credit score below 500.

Personal Loan

unsecured personal loan are a great solution when you have a fair credit score. We have listed personal loan providers with credit scores starting at 620. This lender group offers loans ranging from $1,000 to $100,000. When banks consider a 620 credit score a high risk, online lenders are happy to receive your loan application.  

Bad Credit Loans

A bad credit loan is a loan request with a credit score below 580. We have provided a list of lender that will accept your loan application below.

Bad Credit Auto Financing

If you are searching for an auto loan up to $45,000, look no further.  This auto loan provider specializes in auto loans for any credit score. Give them a try today. Auto loans -- Bad Credit? No Credit? No Problem!

Auto Loans

Secured Auto Purchase and Refinance

LendingTree offers hundreds of auto lenders that will help you buy the new car or refinance your existing vehicle.  This can be a great way to get capital out of an asset. This provider can refinance your vehicle and get your capital back to you.

Auto Financing or Refinancing

If you are looking for a new car or need to refinance your existing car, LendingTree may be your solution.

Unsecured Payday Loan Debt Consolidation: $500 to $5,000

Consolidating payday loans with 400% to 1500% interest rates will save you money. OppLoans offer an installment loan which provides equal payments over a set period of time to get rid of payday loans.

Payday Alternative Loans (PAL's)
The Credit Union working alongside the US Federal Government has developed a program called Payday Alternative Loans (PAL's) to help people stuck in revolving payday loans. 

PAL's features:

Loan amounts $200 to $1,000.
Must be a credit union member for one month
Loan terms range from 1 to 6 months
There may be a fee for setting up the application of $20.00
Contact this link to get some help.


Business Loan Direct Lenders

Piedad contacted America loan Service looking for a direct loan and went to his local bank for financing. Here are the details of his experience looking for a direct loan with a 523 credit score.

Piedad tried to get a direct loan for $96,000.00 but was declined

Principle of LoanLength of Term (Years)Interest Rate (APR)Monthly Installment PaymentLending Institution

$95600.00 7 5.4% $1369.24 The Vinton Banking Company
$95860.00 6 10.3% $1790.42 The Ohio Valley Bank Company
$96490.00 5 10.2% $2059.64 The Citizens Bank
$96310.00 10 9.5% $1246.23 The Peoples Bank
$95530.00 4 5.7% $2230.41 The Freeport State Bank
$95850.00 8 11.8% $1547.32 Northwest Ohio Bank

Piedad has a personal loan of $7,000 courtesy of The First National Bank of Nelsonville 

Starting Interest Rate (APR)Remaining principleLender nameLender cityLender StateLoan Obtained
11.7% APR $5350.21 outstanding The Vinton Banking Company Vinton Ohio
10.0% APR $5954.11 outstanding The Ohio Valley Bank Company Gallipolis Ohio
6.3% APR $5450.95 outstanding The Citizens Bank Fredericksburg Ohio
6.5% APR $6272.35 outstanding The Peoples Bank Gambier Ohio
5.5% APR $5088.79 outstanding The Freeport State Bank Freeport Ohio

A direct loan from The Westwood Homestead Savings Bank in Cincinnati -- 45211, Ohio

Searching for a direct loan will impact borrowers credit scores. When approved, people undergo changes to their credit score. Piedad underwent many changes to their credit during the acceptance of this $39,000 direct loan. Piedad had a starting credit score of 523.

  • Piedad had an Equifax score of 523, which is regarded as bad credit
  • Piedad possessed a credit value on the Transunion scale of 508, which is regarded as bad credit
  • Piedad had a credit value on the Experian rating system of 536, which is regarded as bad credit

Piedad got a loan from The Westwood Homestead Savings Bank with bad credit score. Here are their relevant information

  • The Westwood Homestead Savings Bank
  • Street Address: 3002 Harrison Avenue
  • Branch city: Cincinnati
  • Branch state: Ohio
  • Branch zip code: 45211
  • Branch County: Hamilton

With the Equifax score, Piedad has a bad credit rating of 523

Fico Score: 523

Piedad had a Transunion score of 508, looked upon as bad credit

Transunion Score: 508

Piedad had an Experian rating of 536, considered to be a bad credit score. These fair credit ratings will significantly change outcomes.

Experian Score: 536
Comments after working with The Westwood Homestead Savings Bank at 3002 Harrison Avenue:
I did receive the $39,000 loan with an APR of 9.2% The loan amount of $39000 was provided based on my family co-signing the loan and their credit hisotry and credit score. The bank said that my credit score was not adequate to be approved for a loan. 

Piedad, a person from Cincinnati, originally inquired about a loan of $39000. They wanted a direct loan.

Hi there, I need is $39000 to pay off credit card debt and have bills to catch up. Can you recommend a direct lender that may give me a loan with a 523 credit score? 

Thanks, Piedad.

Client Information: Piedad
  • County: Hamilton
  • Home State: Ohio
  • Current zip code: 45220
  • Current income: undisclosed
  • Profession: atm machine servicer
  • Credit Card Debt: $12000 on their Saratoga's Community FCU Business Visa®

Piedad inquired about debt relief 

When we first heard from Piedad, he was looking for a way out of debt and he was considering debt relief. The main issue with debt relief is that it can damage your credit even more and Piedad was fortunate that someone was able to co-sign the loan for him.   

Credit Repair

Piedad made many mistakes to get his credit score to 523. We sent Piedad to Novita financial to help get his credit score back into a better position. His credit score today is 630 after working with Novita for 5 months. His main issue was not making the payments on time every month and was struggling with understanding the process. His payments are now set up on preauthorized with two payments every month to the credit card company. One payment covers the interest and one payment is directly for the principal.    

While the articles described are true, the names and some cities have been changed to protect our readers. America Loan Service would value your input regarding our work. Please do not give America Loan Service your last name and try to keep the information in your private information quite nonspecific. It is the overall topic that others relate to and they appreciate your comments. When you send your comments, it will be reviewed within 24 hours and you will be notified if they are used.

Past Applications

Application from: Jingjing

City: Jerseyville
State: Illinois
Credit Rating (FICO): 416
Profession: overhead door installer
Amount Requested: $60000
Age: 39
Current Debt: 6,000
Yearly Income: 18,000
Zip Code: 62052


Need a student loan for things on the internet should be $60000 AT MOST we can't pay for more than $2650 so rates gotta be less than 5.69%

Reply to: Jingjing

Application from: Bosko

City: Dallas
State: Texas
Credit Rating (FICO): 368
Profession: farm products purchasing agent
Amount Requested: $12000
Age: 58
Current Debt: 51,000
Yearly Income: 37,000
Zip Code: 75243


i have a home in Dallas Texas. I earn $3400.00 a month. we want a personal loan of $28200.00 I have good credit - probably 533. can you know a someone who can help. I don't have a car loan.

Reply to: Bosko

Application from: JAMES

State: Texas
Credit Rating (FICO): 624
Amount Requested: $40000
Age: 40
Yearly Income: 100000
Zip Code: 78244


Hi James:

Having debt, as you know, is extremely stressful. It sounds like you need to speak with a Debt Relief Company. I would recommend that you fill out the 'Free Debt Relief Quote' found on the America Loan Site. Someone will be able to help you.

America Loan Service is not a lender, we only forward on loan requests. America Loan Service has no influence on the lenders and that relationship will be between you and the institution providing the loan. Wishing you success - The America Loan Service team.

Reply to: JAMES

Application from: terra

City: Newport
Credit Rating (FICO): 536
Profession: server
Amount Requested: $5000
Age: 36
Current Debt: 700.00
Yearly Income: 49000
Zip Code: 37821

Message:really needing a remodel for house currently moved mom in she's got dementia an needing more room please an thank u god bless have a great day

Reply to: terra

Application from: Amy G*

City: Millstadt
State: Illinois
Credit Rating (FICO): 523
Profession: Profession not given
Amount Requested: $
Age: Age not given
Current Debt:
Yearly Income: 55000
Zip Code: 62260

Message:Hi Amy, Please come back and see us again. We need the amount of the loan and your debt

Reply to: Amy G*

Application from: Isela

City: Azle
State: Texas
Credit Rating (FICO): 828
Profession: sports physician
Amount Requested: $184000
Age: 46
Current Debt: 86,000
Yearly Income: 9,000
Zip Code: 76020


were getting divorced and I require a loan to pay off all debts that we have jointly. We reside in Azle Texas so give details about the cheapest loan provider for our city.

Reply to: Isela

Application from: Tiffy**

City: New Albany
State: Mississippi
Credit Rating (FICO): 523
Profession: Profession not given
Amount Requested: $5000
Age: Age not given
Current Debt: 3000
Yearly Income: 20000
Zip Code: 38652

Message:>Hi Tiffy, We will email you today with a company that may be able to assist you with a $5,000.00 personal loan. Cheers,

Reply to: Tiffy**

Application from: Vu

City: Paton
State: Iowa
Credit Rating (FICO): 443
Profession: industrial arts teacher
Amount Requested: $80000
Age: 28
Current Debt: 84,000
Yearly Income: 16,000
Zip Code: 50217


I hope you can help I owe - credit cards $1700, personal loan : $21,000.00 and also we have taxes owing : $24,000. would a debt consoidation loan work. I earn $1500.00 per month. Think our credit is fair.

Reply to: Vu

Application from: Benjamin*

City: Westwego
State: Louisiana
Credit Rating (FICO): 586
Profession: Profession not given
Amount Requested: $3000
Age: 24
Current Debt:
Yearly Income: 2400
Zip Code: 70094

Message:>Hi Benjamin, We will send you a couple of lending options.

Reply to: Benjamin*

Application from: terra

City: Newport
Credit Rating (FICO): 536
Profession: server
Amount Requested: $5000
Age: 36
Current Debt: 700.00
Yearly Income: 49000
Zip Code: 37821

Message:really needing a remodel for house currently moved mom in she's got dementia an needing more room please an thank u god bless have a great day

Reply to: terra

Application from: CINDY

City: Big Stone Gap
State: VA
Credit Rating (FICO): 523
Profession: Profession not given
Amount Requested: $50000
Age: 39
Current Debt: 45000
Yearly Income: 30000
Zip Code: 24219


Want to get 1 payment for house and car and want to do a little remodel that needs be done to accommodate for my grandmother when she is staying with us

Reply to: CINDY

Apply now

Please fill in the following form to apply with us. Please only give your first name Your personal information will not be shared... ever!