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This page was last updated July 2018

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Fair Credit Lenders in Anchorage AK

Lenders: contact us for listing removal.

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Denali Federal Credit Union
440 E 36th Ave Anchorage
AK 99503 - www.denalifcu.org
907.257.7200

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Northern Skies Federal Credit Union
1000 O'Malley Rd #109, Anchorage
AK 99515 - 907.561.1407
www.northernskiesfcu.org

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True North Federal Credit Union
341 W Tudor Rd #100, Anchorage
AK 99503 - www.truenorthfcu.org
907.771.4777

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Credit Union 1
8935 Old Seward Hwy, Anchorage
AK 99515 - www.cu1.org
800.478.2222

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Northrim Bank
517 W 7th Ave, Anchorage
AK 99501 - www.northrim.com
907.263.3226

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Wells Fargo Bank
5740 Debarr Road, Anchorage
AK 99504 - www.wellsfargo.com
907.331.2573

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First National Bank Alaska
1821 Gambell St, Anchorage
AK 99501 - fnbalaska.com
907.777.4362

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Debt Relief - Anchorage
6267 A St, Anchorage
AK 99518 - 877.820.2211

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Debt Reduction Services
341 W Tudor Rd, Anchorage
AK 99503 - 866.278.0213
www.debtreductionservices.org

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Credit Union 1
824 W 8th Ave Anchorage
AK 99501 - www.cu1.org
800.478.2222

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Bad Credit Loans in Anchorage AK

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

Learn about GAP (Gift Angel Program)

 

Anchorage AK Lender Area Map

Anchorage Bad Credit Lenders Map - Initial Static Image

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Anchorage AK Loan App Volume

Top 5 Anchorage neighborhood loan app volume

  1. Sand Lake
  2. U-MED District
  3. Mid-Hillside
  4. Old Seward / Oceanview
  5. Taku / Campbell
Anchorage Alaska Theatre
Anchorage 4th Avenue Theatre: Royalty Free

Anchorage Bad Credit Loan Example

Alexa grew up in Wasilla, and moved to Anchorage in her early twenties. She had a dream of becoming a T.V. news personality, and becoming very successful.

Unfortunately, things just didn't pan out for her the way she imagined, and she was unemployed for over a year. This really put her behind with all of her creditors. So much so that she was in the arrears with almost all of them.

She was behind on her cell phone bill, her utility bill, car loan, heating bill, etc., etc. She did consider maybe asking her parents for money but her pride just wouldn't allow it. There was no way she wanted to admit defeat.

Sometimes being stubborn can cause a lot of stress. Sometimes we need to reach to loved ones for financial help even if it means we we're as smart and hard working as we thought we were.

To make matters worse for Alexa, she started using some of the predatory lenders (payday loan companies) in Anchorage. This just threw her into debt and stress even more. She did the worse thing possible by not paying these companies back on time.

So she wanted another solution to her problem.

Alexa secured a full time job at minimum wage, which is a good start, and then she tried to get approved for a consolidation loan with her bank branch. She was denied the loan in short order.

Then, not knowing that every time she applied with another bank her credit score would be damaged further, she went ahead and applied with four different banks and credit unions in Anchorage.

Once again she was told no (no way).

This is the math on what she was applying for - a $5000 loan with a one-year term and 8% interest;

• Loan Amount (principal) = $5000
• Interest Rate = 8%
• Term Length = 1 year
• Monthly Payment = $434.94
• Total Paid Back = $5219.31
• Total Interest = $219.31

When Alexa found us she didn't feel like she had a hope in the world - a very bad place to be emotionally. She applied and was approved for a $4000 loan over one year, with a rate of 11%. Not what she was trying for but at least she paid off all her bills and could start over.

If you're an Anchorage resident and need a loan, we hope this page is helpful. If you are in dire straights and possibly facing eviction or something else drastic, we have some local Anchorage services listed below.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Near Anchorage AK

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Anchorage Credit Counseling

Anchorage Credit Counsellors Map - Initial Static Image

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Counselors contact us for listing removal or info change.

Stephen Cami Credit Services
3370 Cosmic Cir Anchorage
AK 99517 - 907.245.1302

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Money Management International
417 Barrow St, Anchorage
AK 99501 - 713.394.3232
www.moneymanagement.org

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Consumer Credit Counseling
208 E 4th Ave, Anchorage
AK 99501 - 907.279.6501

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Anchorage Assistance Programs

Food Bank: Saint Francis House Food Pantry / Address: 3710 E 20th Ave, Anchorage, AK 99508 / Phone: 1.907.222.7323

Hot Meals: Bean's Cafe Day Shelter / 1101 East 3rd Avenue, Anchorage, Alaska 99501 / Phone: 907.433.8600

Shelter In Case of Eviction: / Brother Francis Shelter / Address: 1021 E 3rd Avenue, Anchorage, AK 99501 / Phone: 1.907.277.1731

Financial Assistance: ATAP

Healthcare Assistance: Anchorage Project Access / Laurel Park Medical Office Building at 2401 East 42nd Ave, Suite #104, Anchorage, AK 99508 / Phone: 907.743.6600

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Usury Law Governing Anchorage AK

Summary of Alaska Usury Law(s) / Legal: 10.5% Contract: 5.5%; any rate over $25,000 / Judgment: 10.5% / Corporate: No specific rate (read more on Alaska lending laws)

Complaint process for Anchorage residents:

Alaska Department of Commerce / Division of Banking and Securities / Mailing address:
P.O. Box 110807, Juneau, AK 99811-0807 / Physical Address: 333 Willoughby AVE, 9th Floor, State Office Building, Juneau, AK 99801 / Phone: (907) 465-2521, Toll-Free: (888) 925-2521, Fax: (907) 465-1230 / Email: dbsc@alaska.gov / Alaska State Department of Commerce / Online Complaint Form For Print Off

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WFL Loan Solutions

Anchorage residents struggling with bad credit can learn about our bad credit loan solutions, or if their credit is borderline they can learn about fair credit loan solutions. If you're deep in debt you can learn about our debt consolidation loans and solutions.

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