Fort Smith AR
Fair To Bad Credit Loans

We Find Lenders Who Lend To Bad Credit Borrowers

We Find Lenders Inc. Fair To Bad Credit Loans Logo

Home > How To Apply >

Arkansas Lenders > Fort Smith

This page was last updated September 2018

Commentary for informational purposes only. See disclaimers here.

Bad Credit Loan Testimonial Reviews

Let's get you approved
Enter zip and your 3 digit credit score.

Fair Credit Lenders in Fort Smith AR

Lenders: contact us for listing removal.

- - - - - - - - - - - - - - - - - - - - - - - -

United Federal Credit Union
8900 Jenny Lind Road Fort Smith
AR 72908 - unitedfcu.com
888.982.1400

- - - - - - - - - - - - - - - - - - - - - - - -

River Town Federal Credit Union
1001 S 21st Street, Fort Smith
AR 72901 - www.rivertownfcu.org
479.784.5600

- - - - - - - - - - - - - - - - - - - - - - - -

Fort Smith Dixie Cup Federal Credit Union
4411 Midland Blvd, Fort Smith
AR 72904 - www.dixiecupfcu.com
479.782.3133

- - - - - - - - - - - - - - - - - - - - - - - -

Arkansas Best Federal CU
3501 Old Greenwood Rd # 1, Fort Smith
AR 72903 - Fort Smith, AR 72903
www.abfcu.org
479.649.2060

- - - - - - - - - - - - - - - - - - - - - - - -

Altra Federal Credit Union
4811 Zero St, Fort Smith
AR 72903 - www.altra.org
479.648.4383

- - - - - - - - - - - - - - - - - - - - - - - -

Mercy Credit Union
7301 Rogers Ave, Fort Smith
AR 72903 - www.mymercycu.com
479.314.6095

- - - - - - - - - - - - - - - - - - - - - - - -

Altra Federal Credit Union
9900 Aire Cir, Fort Smith
AR 72903 - altra.org
479.648.7489

- - - - - - - - - - - - - - - - - - - - - - - -

A American Debt Consolidation
Fort Smith, AR 72901
+1 479-782-1090

- - - - - - - - - - - - - - - - - - - - - - - -

Rheem Arkansas Federal CU
5600 Old Greenwood Road
Fort Smith, AR 72908
www.rafcu.us
479.648.4693

- - - - - - - - - - - - - - - - - - - - - - - -

Fort Smith Teachers Federal CU
5501 Euper Lane, Fort Smith
AR 72903 - 479.783.0611

- - - - - - - - - - - - - - - - - - - - - - - -

Bad Credit Loans in Fort Smith AR

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

Learn about GAP (Gift Angel Program)

 

Fort Smith AR Lender Area Map

Fort Smith Bad Credit Lenders Map - Initial Static Image

Tap image for interactive map.

Fort Smith AR Loan App Volume

Top 5 Fort Smith neighborhood loan app volume

  1. Hillcrest and Park Hill
  2. Free Ferry Landing
  3. Eastgate
  4. Belle Chasse
  5. Fianna Hills

Bon neville House in Fort Smith Arkansas: Licensing

Fort Smith Bad Credit Loan Example

Tenille needed a loan to pay an emergency operation, but it wasn't for her - it was for her dog Sparks. She was told the operation for her best friend was going to be between $2000 and $2500, depending on any complications that might arise during the procedure.

Let's get right into the actual APR on the loan she got when she was approved with a lender (lender based in Arkansas):

• Loan Amount (principal) = $3000
• Interest Rate = 21.12%
• Term Length = 14 year
• Monthly Payment = $279.51
• Total Paid Back = $3,354.17
• Total Interest = $354.17

You can see how high the interest rate was on the loan, but you can't see the actual APR (annual percentage rate) on the note. We were told that Tenille found a lender in Little Rock who approved the small loan, and that it was a private company - not a bank or credit union.

Large institutional banks and credit unions rarely approve loans for $3000, so it make sense Tenille ended up doing what she did.

But let's discuss her final rate here a bit. She had a rate over 21% which is worse than most credit cards; so why did she bother accepting the terms of this loan agreement.

Simple - her credit rating was terrible. Her score was almost the worst it could be (300) and this is another reason why a conventional lender wouldn't even consider her for her loan request. And it wasn't for lack of trying either.

She tried getting approved with no less than 2 banks, and 4 credit unions based in Fort Smith, and all of those applications hurt her credit score further - it was a complete waste of time in Tenille's eyes.

You can see how short term lenders make huge profits when you see how expensive this small loan was - relatively speaking.

Imagine paying 21% on your mortgage!

No the only important going forward, is that she dutifully makes all of her payments in full (and on time).

So what she did was get approved by using our pre-app system on our site. She applied using our application form which made her request to all of the over 500+ lenders in our network pool. Once she made her application, she waited until lenders in her Fort Smith, or in the State of Arkansas, or somewhere outside the State.

In her example, she was emailed by three different legitimate lenders who discussed different ways they could make her loan request successful.

If you're living in Fort Smith like Tenille, 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.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Upgrades Nearest Fort Smith AR

Job/Income Upgrades: Indeed / Snag-A-Job

Education Upgrades: College / University

- - - - - - - - - - - - - - - - - - - - - - - - - - - - - 

Fort Smith Credit Counseling

Fort Smith Credit Counsellors Map - Initial Static Image

Tap image for interactive map.

Counselors contact us for listing removal or info change.

Credit Counseling of Arkansas
2301 S 56th St #103 Fort Smith
AR 72903 - www.ccoacares.com
800.889.4916

- - - - - - - - - - - - - - - - - - - - - - - -

Consumer Credit Counseling Services
Fort Smith, Arkansas
72901 - 479.648.8992
www.consumercredit.com

- - - - - - - - - - - - - - - - - - - - - - - -

Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Fort Smith Assistance Programs

Food Bank: Fort Smith River Valley Regional Food Bank / Contact: 1617 South Zero Street, PO Box 180070, Fort Smith, Arkansas 72918 / Phone: 479.785.0582 Fax: 479-785-3218

Hot/Cold Meals: Cavanaugh Free Will Baptist Church in Fort Smith / Address: 2825 Grinnell Street, Fort Smith, AR 72908 479.646.2806

Shelter In Case of Eviction: Fort Smith Community Rescue Mission / Address: 310 N F St, Fort Smith, Arkansas 72901 / Phone: 479.782.1443 / Hours: 8:30 am – 4:30 pm

Social Assistance: Arkansas Department of Human Services for Fort Smith /

Healthcare Assistance: Fort Smith Red Cross / Address: 616 Garrison Avenue, Fort Smith, AR 72901-2598 / Contact: 479.782.4555

- - - - - - - - - - - - - - - - - - - - - - - -

Usury Law Governing Fort Smith 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 Fort Smith 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

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

WFL Loan Solutions

Fort Smith 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.

Loan Calculator / Estimation Only

- - - - - - - - - - - - - - - - - - - - - Enter
  Loan Amount
  Interest rate
  Term In Yrs
- - - - - - - - - - - - - - - - - - - - - Results
  Mo. Payment
  $$ To Lender
  $$ of Interest

 

Important Information

FAQ / Privacy / Terms / Contact / Site Map

Disclaimer / Security / FICO Impact / Credits

Ad Disclosure / APR & Fees / Collection

Default Implications

 

To Top

©2018 We Find Lenders Inc. All Rights Reserved