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This page was last updated July 2019

Commentary for informational purposes only. See disclaimers here.

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Fair Credit Lenders in Scottsdale AZ

Lenders: contact us for listing removal.

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Arizona Federal Credit Union
3396 North Hayden Road, Scottsdale, AZ 85251
www.arizonafederal.org
602.683.1000

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OneAZ Credit Union
6501 E Greenway Pkwy # 133, Scottsdale, AZ 85254
www.oneazcu.com
844.663.2928

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TruWest Credit Union
7333 N Via Paseo Del Sur, Scottsdale, AZ 85258
truwest.org
480.441.5900

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Credit Union West
3604 N Wells Fargo Ave # A, Scottsdale, AZ 85251
www.cuwest.org
602.631.3200

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Desert Financial Credit Union
8220 North Via Paseo del Norte, Scottsdale, AZ 85258
locations.desertfinancial.com
602.433.7000

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Alaska USA FCU
10773 N Scottsdale Rd, Scottsdale, AZ 85254
www.alaskausa.org
800.525.9094

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Spot Me Loans
7919 E Thomas Rd Suite #108, Scottsdale, AZ 85251
www.spotmetitleloans.com
480.245.6415

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Maximum Title Loans
9261 East Via de Ventura, Scottsdale, AZ 85258
maximumtitleloans.com
480.917.5626

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Stearns Bank of Arizona
9225 E Shea Blvd, Scottsdale, AZ 85260
www.stearnsbank.com
480.314.4200

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Bad Credit Loans in Scottsdale AZ

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

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Scottsdale AZ Lender Area Map

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Scottsdale AZ Loan App Volume

Top 5 Scottsdale neighborhood loan app volume

  1. Desert Foothills
  2. McCormick Ranch
  3. Via Linda Corridor
  4. Resort Corridor
  5. Sonoran Regional Core
Scottsdale Arizona Arts District
Scottsdale Arizona Arts District: Image Licensing

Scottsdale Bad Credit Loan Example

Diane wants a new landscaped yard and she wants to consolidate a small amount of credit card debt that she has. She has big plans for the front and backyard of her home.

She is aiming to make it a showcase for the neighborhood and she eventually plans to sell it. But right now she wants it all landscaped with an in ground pool installed, walkways, shrubs and fencing to keep the prying eyes of her neighbors out. She likes her privacy for her and her family.

She has received an estimate for her in ground pool which will come to around $45,000 once the pool is installed complete with lights, salt water controller, diving board, slide and interlock installed around the pool. She also is getting estimates for the walkways and the sitting area which will be matching interlock.

She needs a privacy fence installed that also meets code for Rochester. She is trying to decide if she should use treated wood, cedar or the new white PVC fencing. The PVC fencing looks great; however, it is much more expensive.

Finally, she wants the yard landscaped with many small shrubs and gardens. There is one existing tree which will need to be trimmed. It is over grown and while she wants a shaded area, it currently shades most of her yard in the afternoon.
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All of this work will come to about $65000 and then she needs another $5000 to consolidate her existing credit card debt.

A $70000 consolidation loan with a twenty five-year term and 4.2% interest rate for Diane would cost her the following per month:

• Loan Amount (principal) = $70000
• Interest Rate = 4.2%
• Term Length = 25 year
• Monthly Payment = $377.26
• Total Paid Back = $113177.89
• Total Interest = $43177.89

Diane and her husband were approved for the consolidation loan they were applying for. They used their home as collateral and qualified for a low interest rate mortgage.

Since they had lived in their home for many years, they had paid off a great deal of their mortgage, leaving them with lots of equity to use for the new loan.

Instead of taking on a second mortgage which they could have done, they consolidated their existing mortgage, the credit card debt and their loan for the landscaping into one mortgage.

They needed more than the $70000 they applied for, however they were easily approved for what they needed. This solution means they have only one payment to make each month instead of two and it is automatically withdrawn from their checking account each month.

Once they were approved, they went ahead with all of the work that they had planned. It actually cost a little less than they planned. They used the extra money to spruce up the front yard which actually improved the curb appeal of their home.

If they ever do plan to sell it, there home should sell quickly. Great curb appeal always helps to sell a home quickly especially with a fantastic back yard that is fully landscaped.

If you're living in Scottsdale 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 Scottsdale AZ

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

Education Upgrades: College / University

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Scottsdale Credit Counseling

Scottsdale Credit Counselors Map - Initial Static Image

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Counselors contact us for listing removal or info change.

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Credit Absolute
8723 E Via De Commercio b101, Scottsdale, AZ 85258
www.creditabsolute.com
480.478.4304

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Andorra Credit Repair
17470 N Pacesetter Way, Scottsdale, AZ 85255
www.andorracreditrepair.com
480.305.2003

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Truly Fair Credit
6613 E Belleview St, Scottsdale, AZ 85257
www.trulyfaircredit.com
888.741.7780

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Scottsdale Assistance Programs

Food Bank: Extended Hands Food Bank / Address: 16548 East Laser Drive #6, Fountain Hills, AZ 85268 / Phone: 480.837.0303

Hot Meals: Oasis Community Church / Address: 15014 N 56th Street #1, Scottsdale, AZ 85254 / Phone: 602.494.9557

Shelter In Case of Eviction: Family Promise / Address: 7221 East Belleview Street # 5, Scottsdale, AZ 85257 / Phone: 480.659.5227

Social Assistance: Maricopa County Human Services Department / Address: 7700 East Roosevelt Street, Scottsdale, AZ 85257 / Phone: 480.312.2323

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Usury Law Governing Scottsdale 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 Scottsdale 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

Scottsdale 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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