Second Chance Unsecured Personal Loan In Florida

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Residents in the state of Florida can find it difficult to find a unsecured personal loan with bad credit. This is a challenging task but consumers should be aware it's not a impossible one.

 Our staff at "InfoAviator Publishing", along with our viewers have listed below the credit unions and banks that offer personal loans in Florida to people with bad credit. These programs consist of "credit builder", "fresh start", and "second chance" loan products that were specifically designed for those with a poor credit rating to allow them to get back on track to building a positive credit report.

Consumers can also view our list of nationwide banks and financial institutions at that are willing to give out high risk unsecured signature loans to subprime borrowers residing in Florida.
asked Oct 11, 2014 in Personal Finance by tomvargo706 (5,290 points)

4 Answers

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West Coast Federal Employees Credit Union offers a "Share Secured Credit Builder Loan" that enables its members to repair damaged or establish credit their rating. 
The money the member borrows is secured with a West Coast Federal Employees Credit Union savings account for the duration of the loan. Dividends are paid on the money while you establish or re-establish your credit history. Once successfully paid in full, the funds can then withdrawn from the share account as desired.
For example, if a member borrows $1000.00--that amount will be deposited and held in separate account and once the loan is paid off, the hold will be released and the borrower can then withdraw the $1,000.00.
The payment history is reported monthly to the credit reporting agencies which will give a borrower's credit rating a boost as long as they made on-time monthly payments.
This credit builder loan comes with a interest rate of 4.50% with a term of 12 months.
For more information on this credit builder loan offered by West Coast Federal Employees Credit Union, please contact one of their banking branches listed below:
852 Tallevast Road
Sarasota, Florida 34243
Phone: 941.925.2890 
3487 Clark Road
Sarasota, Florida 34231
Phone: 941.925.2890 
answered Oct 11, 2014 by tomvargo706 (5,290 points)
0 votes
Florida Central Credit Union offers a loan secured by the money you have in your CU savings account.  This credit builder loan can be a beneficial way for people with no credit to start building a good credit score.
For more information on this credit builder loan, please contact one of Florida Central Credit Union's banking branches below:
1600 Tamiami Trl. 
Port Charlotte, FL 33948
(941) 627-4900
701 9th Street West 
Bradenton, FL 34205
(941) 758-4422
400 16th St. N 
St. Petersburg, FL 33705
(727) 821-9555
8202 113th Street  
Seminole, FL 33772
(727) 497-0090
2201 NE Coachman Rd. 
Clearwater, FL 33765
(727) 324-0599
3142 Little Road  
New Port Richey, FL 34655
(727) 326- 1280
4630 S Florida Ave. 
Lakeland, FL 33813
(863) 687-4166
334 Oakfield Drive  
Brandon, FL 33511
(813) 643-3933
8620 Citrus Park Drive 
Tampa, FL 33625
(813) 433-2101
3333 Henderson Blvd. 
Tampa, FL 33609
(813) 879-3333
answered Oct 11, 2014 by tomvargo706 (5,290 points)
0 votes
Jax Federal Credit Union offers a "Credit Builder Loan" for people that want and need to rebuild poor credit or establish credit for the first time, 
This Jax Federal Credit Union Credit Builder loan will enable you to borrow up to $750 that can be repaid over a 6 to 12 month period.  The proceeds of the loan will be placed in a restricted savings account that will be used as collateral. After the loan is repaid in full, these funds will become available to use.
Your monthly payment history will be reported to the major credit bureaus that will positively impact your credit score as long as monthly payments are made on time.
For further information on this loan poduct offered by Jax Federal Credit Union, please contact one of their banking branches listed below:
950 Blanding Blvd
Orange Park, FL 32065
11406-2 San Jose Blvd
Jacksonville, FL 32223
801 Atlantic Blvd
Atlantic Beach, FL 32233
7254 103rd Street
Jacksonville, FL 32210
4100 Belfort Rd
Jacksonville, FL 32216
562 Park St
Jacksonville, FL 32204
400 W Bay St. Suite #111
Jacksonville, FL 32202
1440-31 Dunn Avenue
Jacksonville, FL 32218
Phone: 904-475-8000
answered Oct 11, 2014 by tomvargo706 (5,290 points)
0 votes
FSU Credit Union offers a "Credit Re-Builder Loan Program" that was developed to allow people with a poor credit history to get access to credit and prove their repayment ability, therefore building a better credit score.
To be eligible for this "Credit Re-Builder Loan" offered by FSU Credit Union applicants must have been a member of their CU for 3 or more years and have been employed with their present employer for at least three years.
Unsecured person loans limits are as follows:
5+ years FSUCU member = $2,000, 5 years on the job
4+ years FSUCU member = $1,500, 4 years on the job
3+ years FSUCU member = $1,000, 3 years on the job
Current FSU Credit Union members can learn more about this loan product by visiting or calling one of their banking branches below:
1402 S. Jefferson St. 
Perry, FL 32348
Phone: 850-584-3002
1412 West Tennessee Street
Tallahassee, FL 32304
Phone: 850-224-4960
1612 Capital Circle NE
Tallahassee, FL 32308
Phone: 850-224-4960
2190 Crawfordville Highway
Crawfordville, FL 32327
Phone: 850-224-4960
834-1 W. St. Augustine Street
Tallahassee, FL 32304
Phone: 850-224-4960
answered Oct 11, 2014 by tomvargo706 (5,290 points)

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