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This page was last updated September 2018

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Fair Credit Lenders in Juneau AK

Lenders: contact us for listing removal.

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True North Federal Credit Union
615 W Willoughby Ave #102 Juneau
AK 99801 - www.truenorthfcu.org
907.523.4777

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Alaska USA Federal Credit Union
1 Sealaska Plaza, Juneau
AK 99801 - www.alaskausa.org
907.523.8811

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Denali Federal Credit Union
9101 Glacier Hwy, Juneau
AK 99801 - www.denalifcu.org
907.789.1350

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Alaska USA FCU
9301 Glacier Hwy #100, Juneau
AK 99801 - www.alaskausa.org
907.789.1361

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First Bank
3075 Vintage Blvd, Juneau
AK 99801 - www.firstbankak.com
907.790.2929

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Northrim Bank
301 N Franklin St, Juneau
AK 99801 - www.northrim.com
907.586.1010

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KeyBank
8800 Glacier Hwy Ste 101, Juneau
AK 99801 - www.key.com
844.433.2073

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Juneau Debt Relief
561 W 10th St, Juneau
AK 99801 - 877.820.2211

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Wells Fargo Bank
123 Seward St, Juneau
AK 99801 - 907.586.3324
www.wellsfargo.com

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Bad Credit Loans in Juneau AK

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

Learn about GAP (Gift Angel Program)

 

Juneau AK Lender Area Map

Juneau Bad Credit Lenders Map - Initial Static Image

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Juneau AK Loan App Volume

Top 5 Juneau neighborhood loan app volume

  1. Mendenhall Valley
  2. Douglas
  3. Auke Bay
  4. Hawk Inlet
  5. Mendenhaven
Juneau Alaska Theatre
Capital Building in Juneau Alaska: Royalty Free

Juneau Bad Credit Loan Example

Lorne lives in Mendenhall Valley and needed to figure out a way to pay off his credit cards which were almost maxed out. And maxed out is bad enough before you add into that the huge interest that was adding to his balances.

He was recently divorced by his wife Cathy who now lives in the Dobson Landing area with their two children (ages 3 and 6). With his child support payments and all of his backed up attorney bills, he felt like he would soon be looking at bankruptcy.

Lorne wanted to get a loan for $10000 with and interest rate below 10% interest and he wanted it for a three year term;

• Loan Amount (principal) = $10000
• Interest Rate = 9.5%
• Term Length = 3 year
• Monthly Payment = $320.33
• Total Paid Back = $11531.86
• Total Interest = $1531.86

Notice how his payments at this rate are manageable at just over $300 a month, and with Lorne's job at AELP (Alaska Electric Light and Power), he could afford the loan even with his child support payments and his other monthly living expenses.

After apply with WFL he was approved for his loan with a rate of 11.23% for a term of 1.5 years. Not what he wanted but that is was the best deal he was offered from our lender pool.

This is what that calculated out to for APR;

• Loan Amount (principal) = $10000
• Interest Rate = 11.23%
• Term Length = 2 year
• Monthly Payment = $467.15
• Total Paid Back = $11211.53
• Total Interest = $1211.53

Take special notice at the total interest paid in each example. Even though the loan he actually got had a higher rate, his total interest paid to the lender was less. This is because the term was only two years instead of three. This is why you should always try to pay off loans sooner than later.

If you're living in Juneau and need a loan regardless of your credit rating, we may be able to help you find an appropriate lender willing to do business with you.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Juneau AK

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Juneau Credit Counseling

Juneau Credit Counsellors Map - Initial Static Image

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Counselors contact us for listing removal or info change.

Juneau Credit Repair
528 W 10th St Juneau
AK 99801 - 877.921.2126
www.allstatescreditrepair.com

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Consumer Credit Counseling Services
175 S Franklin St, Juneau
AK 99801 - credit.org
907.586.2645

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Juneau Assistance Programs

Food Bank: Southeast Alaska Food Bank / Address: 10020 Crazy Horse Dr, Juneau, AK 99801 / Phone: 907.789.6184

Hot Meals: The Glory Hole Shelter / 247 South Franklin Street, Juneau, AK 99801 / Phone: 907.586.4159 / Fax:907.586.4304 Email: info@feedjuneau.org

Shelter In Case of Eviction: See Homeless In Juneau if you lose your home or rental - they have all the information you'll need for transitional boarding or just one nights stay

Social Assistance: Regional Housing Authority / Tlingit Haida Regional Housing Authority / 5446 Jenkins Drive, Juneau Alaska, 99801 / Phone: 907.780.6868

Healthcare Assistance: Juneau District Office of ADPA / Juneau District Office / 10002 Glacier Highway, Suite 200 Juneau, Alaska 99801 / Phone: 907.465.3537 or 1.800.478.3537 Fax: 907.465.4657

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Usury Law Governing Juneau 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 Juneau 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

Juneau 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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