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This page was last updated November 2018

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Fair Credit Lenders in Aurora CO

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Aurora Federal Credit Union
610 S Abilene St Aurora
CO 80012 / www.auroracu.com
303.755.2572

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Westerra Credit Union
14305 E Alameda Ave, Aurora
CO 80012 / www.westerracu.com
303.563.6624

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Partner Colorado Credit Union
998 S Chambers Rd, Aurora
CO 80017 / 303.431.3402
www.partnercoloradocu.org
303.431.3402

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Aurora Schools Federal Credit Union
751 Chambers Rd, Aurora
CO 80011 / www.asfcu.com
303.360.0987

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Credit Union of Colorado
13732 E Quincy Ave, Aurora
CO 80015 / www.cuofco.org
303.832.4816

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Fitzsimons Credit Union
2201 Fitzsimons Pkwy, Aurora
CO 80045 / www.fitzsimonscu.com
303.340.3343

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Bellco Credit Union
24350 E Smoky Hill Rd, Aurora
CO 80016 / www.bellco.org
720.479.5274

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Sooper Credit Union
17200 E Iliff Ave A3, Aurora
CO 80013 / www.soopercu.org
303.430.5473

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Space Age Federal Credit Union
3005 S Parker Rd Suite C/300, Aurora
CO 80014 / www.spaceagefcu.org
303.369.7666

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Canvas Credit Union
16900 E Quincy Ave, Aurora, CO 80015
www.pscu.org
303.691.2345

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UNIFY Financial Credit Union
17455 E Exposition Dr, Aurora, CO 80017
www.unifyfcu.com
877.254.9328

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Bad Credit Loans in Aurora CO

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

Learn about GAP (Gift Angel Program)

 

Aurora CO Lender Area Map

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Aurora CO Loan App Volume

Top 5 Aurora neighborhood loan app volume

  1. Tollgate Overlook
  2. Southeast Crossing
  3. Lexington East
  4. Lakeshore
  5. Willow Park

Aurora Colorado Century 16 Theatre: Licensing

Aurora Bad Credit Loan Example

Rick needs a consolidation loan to cover his credit card debt and also a small loan from his mom that he has yet to repay. His mom is not asking about the loan.

She was glad to help him out at the time, but his brother and sister are letting him know that she needs the money and that he should pay her back as soon as possible.

His mother would never say anything, but he knows that the last few months have been difficult for her financially and she could use the $1500 he owes her.

The credit card debt is another matter altogether. While the loan to his mom is interest free, the credit card debt is not.

The interest on the unpaid balance is 21% and it is costing a fortune. Most experts agree that you should repay your highest interest debts first before repaying low interest or zero interest debts.

Rick knows that when it comes to family, he is going to pay his mom first regardless of whether the loan is approved or not. If he doesn’t, he will never hear the end of it from his sister and brother.

Rick has two credit cards and together with the loan to his mom he owes $5000. He would like a loan for that amount payable over a period of three years at the lowest interest rate available to him given his credit worthiness.

A $5000 loan with an three-year term and 7.6% interest rate for Rick would cost him the following per month:

• Loan Amount (principal) = $5000
• Interest Rate = 7.6%
• Term Length = 3 year
• Monthly Payment = $155.76
• Total Paid Back = $5607.39
• Total Interest = $607.39

Rick will reduce his interest cost by taking out this loan and repaying the credit card debt.

He will need to make sure that he does not build up debt again on these cards, since he probably cannot apply for another loan anytime soon.

He will need to repay this loan in full before he can borrow more money and this assumes that he has discharged the loan without any missed payments.

His credit score is average and he does not have any equity to secure the loan with. This will be a personal non secure consolidation loan.

As a result, the interest rate is a bit higher than normal to indicate the perceived increased risk associated with this type of loan.

His mom will be happy when her repays her loan and Rick will feel satisfied as well knowing that he has repaid this debt to her. Family debts can be troublesome at times.

Often there is miscommunication about when the loan will be repaid.

Sometimes other family members are concerned as well. Although there is no problem in Rick's case, he and his mom should have written down the terms of their loan, when it would be repaid, interest rate in this case zero and both should have signed the document.

Doing this helps everyone understand what is being agreed to and what is expected in terms of repayment. It helps to avoid potential conflict later on.

Do you live in the Aurora Colorado and need a debt consolidation loan? I hope our website can help in some way to find a decent interest and terms even if you have a bad credit score.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Aurora CO

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

Education Upgrades: College / University

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Aurora Credit Counseling

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Counselors contact us for listing removal or info change.

Aurora Credit Repair
3151 S Vaughn Way Aurora
CO 80014 / 720.400.8160

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CareOne Credit
18511 E Hampden Ave, Aurora
CO 80013 / www.careonecredit.com
720.598.9021

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FR Credit Repair
13189 E Bethany Pl, Aurora
CO 80014 / ficoready.com
720.432.6775

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Aurora Assistance Programs

Food Bank: Ansar Pantry / Address: 16251 E Colfax Ave #208, Aurora, CO 80011 / Phone: 303.459.2153

Hot/Cold Meals: St. Andrews Hospitality Center / Address: 1525 Dallas Street, Aurora, CO 80010 / Phone: 303.364.2329

Shelter In Case of Eviction: Aurora Warms The Night / Address: 1544 Elmira Street, Aurora, CO 80010 / Phone: 303.361.6905

Assistance Programs: Aurora Housing Authority / Address: 2280 South Xanadu Way, Aurora, CO 80014 / Phone: 720.251.2100

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Usury Law Governing Aurora CO

Summary of Colorado Usury Law(s) / Legal: 8% Contract: As set out in instrument except as limited by U.C.C. / Judgment: 8% / Corporate: No specific rate (read more on Colorado lending laws)

Complaint process for Aurora residents:

Colorado Division of Banking / Contact: Physical Address: 1560 Broadway, Suite 975, Aurora, CO 80202 / Phone: 303-894-7575 / Fax: 303-894-7570 / Colorado Division of Banking / Colorado Complaint Process

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WFL Loan Products

Aurora residents struggling with bad credit can learn about our bad credit loan service, or if their credit is borderline they can learn about fair credit loan service. If you're deep in debt you can learn about our debt consolidation loan service.

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