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This page was last updated May 2021

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Fair Credit Lenders in Fayetteville AR

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UARK Federal Credit Union
50 W Van Asche Dr, Fayetteville, AR 72703
www.uarkfcu.com
800.499.8328

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Northwest Arkansas FCU
1460 N Woolsey Ave, Fayetteville, AR 72703
479.443.4401

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Farm Credit Services
2209 N Shiloh Dr, Fayetteville, AR 72704
farmcredit.com
479.442.8237

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The Help Card
112 W Center St, Fayetteville, AR 72701
www.helpcard.com
877.834.0550

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IBERIABANK
3430 W Wedington Dr, Fayetteville, AR 72704
www.iberiabank.com
479.718.7500

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Arvest Bank
3919 Mall Ave, Fayetteville, AR 72703
locations.arvest.com
479.575.1000

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First National Bank
2691 E Mission Blvd, Fayetteville, AR 72703
www.fnbank.net
479.443.3622

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The Bank of Fayetteville
1846 N Crossover Rd, Fayetteville, AR 72703
www.mebanking.com
479.444.4430

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Simply Home Lending
1450 E Zion Rd #10, Fayetteville, AR 72703
www.simplyhomelending.com
479.695.3838

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Bad Credit Loans in Fayetteville AR

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Fayetteville AR Lender Area Map

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Fayetteville AR Loan App Volume

Top 5 Fayetteville neighborhood loan app volume

  1. Woodbury
  2. Bio-Tech & Red Barn
  3. Green Acres
  4. Red Wing Circle
  5. Stadium Drive Area

Fayetteville AR University Stadium: Source

Fayetteville Bad Credit Loan Example

Anthony and his family decided to install an in ground pool in the backyard of their property.

They had saved enough money over the past couple of years and expected to be able to pay for the pool from these savings and perhaps put a little on their credit cards for any extras that are needed.

Well, as with many projects there were some surprises and some over runs due to these surprises, not to mention scope creep for extra things that they needed.

The pool company found that there was rock close to the surface when they started digging out the pool. The only solution was to use dynamite to break up some of the rock and make the pool cavity large enough.

Removal of the rock and the associated excavation took longer and was a lot more expensive. They almost cancelled the project, but then decided to go ahead anyway.

After this surprise they decided to add a slide, a pool heater and a cover along with extra pool furniture and landscaping.

By the time they were done, they were $40k over budget and most of this extra expense was charged to credit cards plus one last invoice from the pool company that they still must pay.

Anthony desperately needs a consolidation loan that will allow him to pay the pool companies final bill as well as his credit cards which are near their maximum allowed limits.

If he does not pay the pool company, they will register a complaint against him and make a report to the credit agencies which will impact his credit score.

He needs $40k within the week to resolve all of this debt and consolidate it with a low interest loan.

A $40000 loan with a six year term and 3.7% interest rate for Anthony would cost him the following per month:

• Loan Amount (principal) = $40000
• Interest Rate = 3.7%
• Term Length = 6 year
• Monthly Payment = $620.35
• Total Paid Back = $44665.53
• Total Interest = $4665.53

Anthony is between a rock and a hard place. If he does not pay the final invoice to the pool company, he will negatively affect his credit score which in turn will make it more difficult to borrow money.

It will likely cost him more as well due to higher interest rates charged on lower credit score based loans.

Fortunately for Anthony, he has a descent credit score now and little debt. His home is worth quite a bit of money and he has sufficient equity in the home if he wants to use it as equity to support the loan.

He cannot wait the time it will take to have his home appraised. He needs to pay the debt he owes to the pool company this week or negotiate a delay which he is reluctant to do.

His only alternative is to make this a personal debt consolidation loan and pay a little higher interest. He could have the funds in his account within a couple of days.

Anthony will make a decision shortly regarding which way he will proceed and then modify his loan application accordingly.

If you're living in Fayetteville like Anthony, and need a loan regardless of your credit rating, we may be able to help you find a willing lender.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Fayetteville AR

Job/Income Upgrades: Indeed / Career Builder

Education Upgrades: College / University

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Fayetteville Credit Counseling

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Counselors contact us for listing removal or info change.

Credit Counseling of Arkansas
1111 E Zion Rd, Fayetteville, AR 72703
www.ccoacares.com
479.521.8877

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Fayetteville Non-Profit Services

Food Bank: Jane B. Gearhart Full Circle Campus Food Pantry / Address: 324 Stadium Drive, Fayetteville, AR 72701 / Phone: 479.575.4365

Hot/Cold Meals: Life Source International / Address: 600 South School Avenue, Fayetteville, AR 72701 / Phone: 479.521.4000

Shelter In Case of Eviction: 7hills Homeless Center / Address: 1832 South School Avenue, Fayetteville, AR 72701 / Phone: 479.966.4378

Social Assistance: Human Services Department / Address: 4044 Frontage Road, Fayetteville, AR 72703 / Phone: 479.521.1270

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Usury Law Governing Fayetteville AR

Summary of Arkansas Usury Law(s) / Quote: Legal: 6% Contract: 5.5% (consumer rate capped at 17%) / Judgment: judgment rate on contracts is greater of rates provided in contract or 10%. On other judgments rate is lesser of 10% or current contract limit. / Corporate: No specific rate (read more on Arkansas lending laws)

Complaint process for Fayetteville residents:

Arkansas State Bank Department / Contact: Physical Address: 400 Hardin Road, Suite 100, Little Rock, Arkansas 72211-3501 / Email: asbd@banking.state.ar.us / Phone: (501) 324-9019 / Fax: (501) 324-9028/ Arkansas State Bank Department / Arkansas Complaint Process

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WFL Loan Solutions

Fayetteville 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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