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This page was last updated November 2018

Commentary for informational purposes only. See disclaimers here.

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Fair Credit Lenders in Phoenix AZ

Lenders: contact us for listing removal.

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First Credit Union
803 E Devonshire Ave Phoenix
AZ 85014 - www.firstcu.net
480.756.5500

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SunWest Federal Credit Union
302 E McDowell Rd, Phoenix
AZ 85004 - www.mysunwest.com
866.897.9378

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Arizona Federal Credit Union
1945 E Camelback Rd, Phoenix
AZ 85016 - 602.683.1000
www.arizonafederal.org

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Arizona Federal Credit Union
1505 E Southern Ave, Phoenix
AZ 85040 - 602.683.1000
www.arizonafederal.org

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OneAZ Credit Union
1812 W Monroe St, Phoenix
AZ 85007 - www.oneazcu.com
844.663.2928

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Desert Financial Credit Union
5555 N 7th St #140, Phoenix
AZ 85014 - 602.433.7000
www.desertfinancial.com

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Metro Phoenix Bank
4686 E Van Buren St #190, Phoenix
AZ 85008 - 602.346.1800
www.metrophoenixbank.com

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Republic Bank of Arizona
645 E Missouri Ave #108, Phoenix
AZ 85012 - www.republicbankaz.com
602.277.2500

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Alliance Bank of Arizona
2901 N Central Ave Ste. 100
Phoenix AZ 85012 - 602.629.1700
westernalliancebancorporation.com

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Debt Consolidation Phoenix
2 N Central Ave Phoenix
AZ 85004 - 602.358.0167

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Phoenix Debt Relief Help Center
2942 N 24th Street #114, Phoenix
AZ 85016 - www.debtend.org
602.223.1700

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Phoenix Debt Consolidation
40 N Central Ave, Phoenix
AZ 85004 - 602.640.0696

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Debt Settlement Consolidation
Thomas Road & N Central Ave, Phoenix
AZ 85016 - 623.385.5560

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Bad Credit Loans in Phoenix AZ

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

Learn about GAP (Gift Angel Program)

 

Phoenix AZ Lender Area Map

Phoenix Bad Credit Lenders Map - Initial Static Image

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Phoenix AZ Loan App Volume

Top 5 Phoenix neighborhood loan app volume

  1. Ahwatukee Foothills
  2. Estrella
  3. North Mountain
  4. Paradise Valley
  5. Alahambra
Orpheum Theatre Phoenix Arizona
Orpheum Theatre in Phoenix Arizona: Image Licensing

Phoenix Bad Credit Loan Example

Bridget in Phoenix, Arizona had a problem. She spent money like a rich person, but earned money like a poor person. The inevitable result was debt and stress.

She went looking for a loan to pay down all of her debt, and that debt included the electricity bill, heating bill, cell phone bill, and credit card bills.

When she first started accumulating all this debt, she tried paying her bills in a partial fashion, and paying only the minimum payments on her different credit cards bills - a big mistake.

A big mistake, because eventually all of the bills get bigger and bigger, and soon enough the debtor falls into an interest rate trap. The interest, the interest rate(s), and the penalty fees grow and grow, until there is no real way the debtor can pay back what they owe.

Then their credit rating gets badly damaged and they feel even more desperate and trapped. At some point the consumer has to get real with their budget, their spending, and their true monthly income.

This is all too common.

So what Bridget did to try and get things back on track, was to find a lower interest loan to pay off all her high interest debt. Not so easy when you already have a bad credit score.

She did the right thing first; and that was to ask her bank branch for the consolidation loan. Unfortunately, she didn't get approved with them. So then she tried getting approved with a credit unions nearby, and that was no go as well.

No joy all around for Bridget.

Then she resorted to good old Google. She started by searching lenders in Arizona first, then other States and cities. She tried a few lenders online by she got nowhere fast with that. Even worse, every time she applied with another lender, her credit score got lower and lower.

Finally she found us at the WFL Project and submitted her pre-app, looking for lenders in Arizona specifically.

This is what her APR and payments ended up being;

• Loan Amount (principal) = $10000
• Interest Rate = 14.45%
• Term Length = 3 year
• Monthly Payment = $343.97
• Total Paid Back = $12382.78
• Total Interest = $2382.78

The loan calculation above is just an estimate not the exact APR of course - Bridget didn't share the actual APR on the deal. However, it gives you a good idea what she paid in interest and principal. Furthermore, a rate of 15% is as painful number to swallow, but it's better than the 18% to 23% she was paying with her past credit accounts!

If you're living in Phoenix 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 Phoenix AZ

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Phoenix Credit Counseling

Phoenix Credit Counsellors Map - Initial Static Image

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Counselors contact us for listing removal or info change.

Consumer Credit Counseling Services
13430 N Black Canyon Hwy Phoenix
AZ 85029 - 602.246.2227

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Credit Counselors of America
20620 N 19th Ave, Phoenix
AZ 85027 - 602.266.6178

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Credit Absolute
8723, E Vía De Commercio B101
Scottsdale AZ 85258
www.creditabsolute.com
480.478.4304

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Rapid Credit Repair Phoenix
3723 W Sandra Terrace, Phoenix
AZ 85053 - www.consumer.ftc.gov
877.771.1924

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Phoenix Assistance Programs

Food Bank: Phoenix AZ First Food Bank / Address: 2831 N 31st Ave, Phoenix, Arizona 85009 / Phone: 602.242.3663

Hot Meals: Phoenix Rescue Mission / 1801 S. 35th Ave.
Phoenix, Arizona 85009 / Phone: 602.346.3384

Shelter In Case of Eviction: Family Promise of Greater Phoenix Arizona / 7221 E. Belleview Street, Scottsdale, Arizona 85257 / Phone: 480.659.5227 Fax: 480.659.5304

Social Assistance: Human Social Assistance for the City of Phoenix

Healthcare Assistance: AHCCCS Health Insurance / Phone: 855.432.7587

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Usury Law Governing Phoenix 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 Phoenix 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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WFL Loan Solutions

Phoenix 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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