Mesa AZ
Fair To Bad Credit Loans

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Arizona Lenders > Mesa

This page was last updated October 2020

Commentary for informational purposes only. See disclaimers here.

Best Bad Credit Loans for 2020

Fair Credit Lenders in Mesa AZ

Lenders: contact us for listing removal.

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Arizona Federal Credit Union
7202 E Southern Avenue Mesa
AZ 85209 / 602.683.1000
www.arizonafederal.org

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Mountain America Credit Union
4325 E Southern Avenue, Mesa
AZ 85206 / www.macu.com
480.985.2268

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EM Federal Credit Union
50 W Iron Avenue, Mesa
AZ 85210 / 480.633.4435
emfederalcreditunion.org

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SunWest Federal Credit Union
1253 S Gilbert Road, Mesa
AZ 85204 / www.mysunwest.com
602.866.1100

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Desert Financial Credit Union
1606 S Signal Butte Road, Mesa
AZ 85209 / www.desertfinancial.com
602.433.7000

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TruWest Credit Union
6550 E Superstition Springs Blvd
Mesa AZ 85206 / truwest.org
480.441.5900

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UNIFY Financial Credit Union
1355 S Clearview Avenue #400, Mesa
AZ 85209 / www.unifyfcu.com
877.254.9328

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Banner Federal Credit Union
2225 W Southern Avenue, Mesa
AZ 85202 / www.bannerfcu.org
602.254.5291

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Landings Credit Union
12, 1601 W Main St
Mesa, AZ / 85201
www.landingscu.org
480.967.9475

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OneAZ Credit Union
2277 W Guadalupe Rd Gilbert
AZ 85233 / www.oneazcu.com
844.663.2928

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Bad Credit Loans in Mesa AZ

Fast Loan Pre-App Method
Accessing Bad Credit Lender Pool (?)
Learn about GAP (Gift Angel Program)

AMOUNT

PURPOSE

TERM

 

Mesa AZ Lender Area Map

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Mesa AZ Loan App Volume

Top 5 Mesa neighborhood loan app volume

Buckhorn Baths Motel in Mesa Arizona: Image Licensing

Mesa Bad Credit Loan Example

Ali was only 21 years old at the time of his application here on our site. He had just been hired by a tire shop in the Mesa Arizona area. He thought that since he had a new job he might be able to get a loan to consolidate the following three debts into one.

$2000 Visa card @ 19.45%
$4000 Mastercard @ 18.77%
$1000 payday loan debt

His credit rating wasn't all that bad really. His Equifax score was 640, his Experian 670, and his Transunion 683. This isn't really a terrible score, but it was low enough to make it difficult to get a loan with only a new job to show for.

Furthermore, he only wanted to a consolidation loan for $7000 which is quite low. As we've mentioned (to many times to count) our WFL, lending institutions don't like to approve personal loans for such a small amount. There just isn't a huge profit to be made in that principal range.

This is why Ali first started trying to get approved with Prosper and with other crowd funding sites. Unfortunately, none of those ideas worked for him.

He was finally approved (after three different pre-apps) for the loan with the following terms.

• Debt Consolidation Amount = $7000
• Interest Rate = 8.76%
• Term Length = 1
• Monthly Payment = $611.38
• Total Paid Back = $7336.58
• Total Interest = $336.58

His interest was really low for the year at $336.58 which is a lot better than any other lender offered him. No loan shark is ever going to give him that kind of rate considering is credit score at the time of submitting his application.

Below are the two offers he got from the WFL lending pool.

Nation wide lender @ 9.22%
Arizona wide lender @ 8.76%

The private lender based out of Mesa gave him an approval at 8.76 percent and Ali was extremely relieved. He got rid of the predatory lender and the two credit card balances in one go.

We get people asking questions like "Who is this lender that gave him the loan?!"

We have an agreement with all of the lenders in the pool not to publish their direct information. They want to engage borrowers and applicants based on the pre-apps they review in our system.

They don't want to be getting endless phone calls and emails from applicants who aren't even close to being in a position to be approved for a loan.

This is why we always encourage people to fill the pre-app(s) correctly. If you take just a moment to read our instructions you will have a much better chance of getting the attention of legitimate lenders who can help you.

If you live in Mesa Arizona and you need a loan regardless of a bad credit rating we hope our website helps you in some way.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Mesa AZ

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

Education Upgrades: College / University

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Mesa Credit Counseling

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Counselors contact us for listing removal or info change.

My Credit Guy Credit Restoration
4115 E Valley Auto Dr #103 Mesa
AZ 85206 / www.mycreditguy.com
480.999.2550

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Premier Credit Repair
120 W 1st Avenue, Mesa
AZ 85210 / creditrepairmesa.net
602.298.4672

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White Glove Credit Repair
1220 N Spencer, Mesa
AZ 85203 / 888.644.3336

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Mesa Non-Profit Services

Food Bank: United Food Bank / Address: 358 East Javelina Avenue, Mesa, AZ 85210 / Phone: 480.926.4897

Hot/Cold Meals: Paz De Cristo Outreach Center / Address: 424 West Broadway Road, Mesa, AZ 85210 / Phone: 480.464.2370

Shelter In Case of Eviction: A New Leaf / Address: 868 East University Drive, Mesa, AZ 85203 / Phone: 480.969.4024

Social Assistance Programs: Mesa Community Action Network / Address: 635 East Broadway Road, Mesa, AZ 85204 / Phone: 480.833.9200

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Usury Law Governing Mesa AZ

Summary of Arizona Usury Law(s) / Quote: Legal: 10% Contract: Whatever rate agreed to by both parties / Judgment: 10% / Corporate: No specific rate (read more on Arizona lending laws)

Complaint process for Mesa residents:

Arizona Department of Financial Institutions / Physical Address: 2910 N. 44th Street, Suite 310, Phoenix, Arizona, 85018 / Telephone: 602-771-2800, Toll Free: 1-800-544-0708, Fax: 602-381-1225 Arizona Department of Financial Institutions / Arizona Complaint Process

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