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This page was last updated September 2018

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Fair Credit Lenders in Tucson AZ

Lenders: contact us for listing removal.

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OneAZ Credit Union
1001 N Park Ave Tucson
AZ 85719 - www.oneazcu.com
844.663.2928

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Hughes Federal Credit Union
3131 E Speedway Blvd, Tucson
AZ 85716 - www.hughesfcu.org
520.794.8341

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Arizona Central Credit Union
787 S Alvernon Way, Tucson
AZ 85711 - www.azcentralcu.org
866.264.6421

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Tucson Old Pueblo Credit Union
2500 E 22nd St, Tucson
AZ 85713 - www.topcu.org
520.881.6262

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Pima Federal Credit Union
2455 E Valencia Rd, Tucson
AZ 85706 - www.pimafederal.org
520.887.5010

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AZ Debt Relief Group
Suite 12, 1 South Church Ave
Tucson, AZ 85701
tucsonbankruptcylawyer.org
520.999.2871

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Arizona Debt Resolution Network
149 N Stone Ave, Tucson
AZ 85701 - 520.624.3222

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United First Financial
5470 E Speedway Blvd, Tucson
AZ 85712 - www.debtevolution.com
520.327.0168

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Pyramid Federal Credit Union
5801 E Broadway Blvd, Tucson
AZ 85711 - www.pyramidfcu.com
520.795.7950

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Vantage West Credit Union
801 E Speedway Boulevard Tucson
AZ 85719 - www.vantagewest.org
800.888.7882

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Pyramid Federal Credit Union
2115, 5280 E Grant Road
Tucson, AZ 85712
www.pyramidfcu.com
520.324.5105

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Bad Credit Loans in Tucson AZ

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

Learn about GAP (Gift Angel Program)

 

Tucson AZ Lender Area Map

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Tucson AZ Loan App Volume

Top 5 Tucson neighborhood loan app volume

  1. Menlo Park
  2. Flowing Wells
  3. Lakeside Park
  4. Las Vistas
  5. Amphi
San Xavier del Bac Mission Tucson Arizona
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Tucson Bad Credit Loan Example

Jayden in Tucson works as a registered nurse, and she had a really bad credit rating at one time. It was a difficult time for her and her family, as there wasn't any extras they could afford to purchase, and they were going through a lot of stress because of their money problems. Below, we show you how she finally got approved for a car loan so they could get to work, school, and get groceries.

Jayden had tried to get a loan with her bank branch (name removed for privacy reasons, as requested by the bank - long story! - some banks get a little ridiculous when they feel they're brand is being besmirched), but it didn't go well at all.

The loan officer was having a bad day, and ended up insulting Jayden with an accusatory tone in their brief meeting. As a result Jayden moved all of her accounts from that bank and joined a credit union instead. She was much happier with the change, and has found a permanent home with the credit union.

However, even though she prefers this Tucson credit union, she still couldn't get approved with bad credit score of 587. By using our handy APR estimator tool (at the time of this writing) the last borrower in her zip code area, with a similar credit score, got a total APR on their loan of 11.87%.

To make matters even more difficult, she couldn't find a cosigner to help get her approved for the loan. The used car dealership couldn't get her approved either, and it was looking like she wasn't going to get the car their family needed.

She found our service here at the WFL Project and was finally able to get approved; this is what her APR and payments ended up being (rough estimate):

• Loan Amount (principal) = $16000
• Interest Rate = 12.34%
• Term Length = 4 year
• Monthly Payment = $424.02
• Total Paid Back = $20,352.83
• Total Interest = $4,352.83

There was a total interest payment back to the private lender of almost $4500, with a total cash amount paid of over $20,000. But her monthly payment was low enough to make it manageable at just over $400 a month. The private lenders serves only the Arizona applicants, although she did have offers from other nation-wide lenders as well.

She chose the "Arizona only lender" because she could get approved faster, and with a lower APR, after you included the interest, and all fees associated with the loan.

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

We do everything we can so as to help you find a suitable lender, that can provide you with a reasonable rate (APR), and a flexible terms, so you can make your monthly or biweekly payments.

Keep in mind that some lenders ask you to have a realistic budget and plan before you get approved. We make sure there aren't any predatory lenders approaching you. No payday loan companies or predatory cash advance companies are allowed in our network pool.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Tucson AZ

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Tucson Credit Counseling

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Counselors contact us for listing removal or info change.

Summit Financial Education
4800 E Flower St Tucson
AZ 85712 - www.summitfe.org
800.780.5965

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Credit Rescue Me
3902 E 29th St, Tucson
AZ 85711 - creditrescueme.com
520.207.9169

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Credit Team USA
1842 S Rocky Mountain Dr, Tucson
AZ 85710 - www.credit-team.com
520.704.6679

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Tucson Assistance Programs

Food Bank: Tucson AZ Community Food Bank / Address: 3003 South Country Club Road, Tucson, AZ 85713 / Phone: 520.622.0525

Hot/Cold Meals: Tucson Homeless / 288 N Church Avenue, Tucson, Arizona 85701 / Phone: 520.907.9057 / Contact: Tom Hill / Email: tom@workship.org / Web: www.workship.org

Shelter In Case of Eviction: Salvation Army of Tucson Arizona Address: 1002 N. Main Avenue, Tucson, AZ 85705 / Phone: 520.795.9671 / Hours-Days: Monday through Friday 8am - 4.30pm

Social Assistance: Low Income Assistance in Tucson

Healthcare Assistance: Tucson Medical Center

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Usury Law Governing Tucson 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 Tucson 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

Tucson 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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