Woodland Money Loan is a Philadelphia-based emergency cash lender located at 4701 Frankford Ave, offering fast small loans with extended weekday hours.
Data compiled from public sources · Rating from CreditDoc methodology
Woodland Money Loan operates as a brick-and-mortar emergency lending location in Philadelphia's Frankford neighborhood. The company maintains a physical storefront at 4701 Frankford Ave, Philadelphia, PA 19124, indicating a traditional lending model focused on in-person transactions rather than online-only services. While specific loan products are not detailed in the available source material, their categorization as an emergency-cash lender and physical location suggest they offer small, fast-funded loans typical of this sector—potentially including payday loans, title loans, or other collateral-based emergency lending products.
The physical location allows customers to apply and receive funding in person, which may appeal to those preferring face-to-face interactions or those without reliable online banking access. The company distinguishes itself through consistent business hours and local presence in a specific Philadelphia neighborhood. They operate Monday through Friday from 9 AM to 5 PM, and Saturday from 9 AM to 3 PM, providing accessible scheduling for working consumers.
The phone contact number (215) 744-8920 is available for inquiries, indicating customer service availability. No independent business website, detailed product information, pricing, APR disclosure, or customer reviews are available in the source material. Without access to official company information regarding loan terms, fees, APRs, or customer feedback, a comprehensive factual assessment of their lending practices cannot be completed.
Consumers should verify current offerings and rates directly with the business before applying.
See which lenders actually approve borrowers with bad credit. We compared APRs, fees, minimum scores, and funding speed.
Yes. Woodland Money Loan is a registered company, headquartered in Philadelphia, PA.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Woodland Money Loan is best for Philadelphia residents needing accessible in-person emergency lending with flexible weekday and Saturday hours. However, the critical caveat is that no official website, loan terms, fees, APRs, or independent reviews are available—consumers must contact them directly at (215) 744-8920 to verify services, rates, and whether they meet individual lending needs before applying.
Phoenix-based pawn shop offering collateral loans, jewelry services, and buy/sell/trade on electronics, tools, vehicles, and valuables.
Best for: Customers with valuable jewelry, electronics, or tools who need fast cash and can repay within typical pawn windows, Vehicle owners seeking collateral-based loans against cars, trucks, or motorcycles without credit checks
Harrisburg Pawn Shop in Houston buys, sells, loans, and trades jewelry, electronics, firearms, and other valuables. Open 7 days a week with over 25 years in business.
Best for: Individuals needing quick cash against personal valuables with flexible repayment, Customers in Houston seeking collectibles, firearms, or used electronics at competitive prices
Family-owned Miami pawn shop since 1987 specializing in jewelry, gold, and collateral-based loans. Offers buying, selling, and pawning services in Liberty City.
Best for: Individuals needing immediate cash without credit approval or income verification, People with valuable items (jewelry, electronics, tools) willing to use them as collateral
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
Interest calculated on both the original amount borrowed AND the interest that's already been added. It's 'interest on interest' — and it makes debt grow faster than you'd expect.
Credit cards and many loans use compound interest. If you only make minimum payments, compound interest is why a $3,000 balance can take 15 years to pay off.
Example
You owe $1,000 at 20% annual interest compounded monthly. After month 1 you owe $1,016.67. Month 2, interest is charged on $1,016.67 (not $1,000), so you owe $1,033.61. After 1 year without payments: $1,219.
A special APR calculation used for military servicemembers that includes ALL costs — fees, insurance, and add-ons — capped at 36% by federal law.
The Military Lending Act protects active-duty servicemembers and their families from predatory lending. Any lender charging above 36% MAPR to military is breaking federal law.
Example
A payday lender charges a $15 fee per $100 borrowed for 2 weeks. For civilians, that's technically legal in some states. For military: that works out to 391% MAPR — illegal under the MLA.
The maximum interest rate a lender can legally charge in a particular state. Charging above this rate is called 'usury' and is illegal.
Usury laws are your main legal protection against predatory interest rates. But beware: some states have weak or no usury caps, and federal banks can sometimes override state limits.
Example
New York caps interest at 16% for most consumer loans (25% is criminal usury). If a lender tries to charge you 30% in NY, that loan is unenforceable — you could fight it in court.
An asset you pledge to the lender as security for a loan. If you stop paying, the lender can seize and sell that asset to recover their money.
Secured loans (with collateral) have lower interest rates because the lender has less risk. But you could lose your home, car, or savings if you default.
Example
A mortgage uses your house as collateral. A car loan uses your vehicle. A title loan uses your car title. If you miss payments, the lender can foreclose or repossess.
A charge added to your account when you miss a payment deadline. Most credit cards charge $29-$41 per late payment, and many loans have similar penalties.
The fee itself hurts, but the real damage is to your credit score. A payment 30+ days late stays on your credit report for 7 years and can drop your score 60-110 points.
Example
Your credit card payment of $150 is due March 1. You pay on March 18. The bank charges a $39 late fee. If it's 30+ days late, it gets reported to credit bureaus and your 760 score drops to 670.
A fee your bank charges when a payment bounces because there isn't enough money in your account. Also called a 'bounced check fee' or 'returned payment fee.'
NSF fees hit you twice — your bank charges you AND the company you were trying to pay may charge their own returned payment fee. That's $50-70 for one missed payment.
Example
Your auto-pay tries to pull $350 for rent, but you only have $280 in checking. Your bank charges $35 NSF fee. Your landlord charges $25 returned payment fee. Total damage: $60 in fees.
The practice of charging interest rates higher than what the law allows. Usury laws set state-specific caps on how much lenders can charge.
If a lender charges usurious rates, the loan may be void, penalties can be reduced, or you may be entitled to damages. Know your state's limits.
Example
Your state caps consumer loans at 24% APR. An online lender charges you 36%. That loan may be unenforceable, and you might only need to repay the principal — no interest or fees.
Using your credit card to get cash from an ATM or bank. It's one of the most expensive ways to borrow — higher interest rate, immediate interest accrual (no grace period), and an upfront fee.
Cash advances are a debt trap: 25-30% APR with no grace period plus a 3-5% fee. Interest starts the second you withdraw, not at the end of the billing cycle.
Example
You take a $500 cash advance. Fee: $25 (5%). Interest: 28% APR starting immediately. After 30 days, you owe $536.67. After 6 months of minimum payments, you've paid $85 in interest on $500.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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