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This page was last updated July 2018

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Fair Credit Lenders in Denver CO

Lenders: contact us for listing removal.

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Credit Union of Colorado
1390 Logan St Denver
CO 80203 - www.cuofco.org
303.832.4816

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Partner Colorado Credit Union
1600 West 12th Avenue, Denver
CO 80204 - 303.628.6874
www.partnercoloradocu.org

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Denver Community Credit Union
1075 Acoma St, Denver
CO 80204 - 303.573.1170
www.denvercommunity.coop

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Westerra Credit Union
3700 E Alameda Ave, Denver
CO 80209 - www.westerracu.com
303.563.6625

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Rocky Mountain Law Enforcement FCU
700 W 39th Ave, Denver
CO 80216 - www.rmlefcu.org
303.458.6660

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Bellco Credit Union
951 16th St #101, Denver
CO 80202 - www.bellco.org
720.479.5278

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Alliant Credit Union - Denver
7505 E 35th Ave, Denver
CO 80238 - 800.328.1935

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HealthONE Federal Credit Union
4567 E 9th Ave, Denver
CO 80220 - 303.320.2244
www.partnercoloradocu.org

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Public Service Credit Union
7055 E Evans Ave, Denver
CO 80224 - www.pscu.org
303.691.2345

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Trident Debt Solutions, Inc.
1444 Stuart Street Denver
CO 80204 - 303.872.8492
tridentdebtsolutions.com

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Debt Consolidation and;
Cash Out Refinance Mortgages
7995 E Hampden Ave #204, Denver
CO 80231 - 720.514.3388
www.cashoutcolorado.com

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Bad Credit Loans in Denver CO

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

Learn about GAP (Gift Angel Program)

 

Denver CO Lender Area Map

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Denver CO Loan App Volume

Top 5 Denver neighborhood loan app volume

  1. River North Art District
  2. Cory - Merrill
  3. Highland
  4. Washington Virginia Vale
  5. Hampden South

Red Rocks Amphitheater Denver Colorado: Licensing

Denver Bad Credit Loan Example

Lorrie was in a real financial mess a last year. She owed a substantial amount of money on her car, and she was two months behind on her mortgage payments. She tried getting approved with the local bank and credit branches in Denver, but was declined outright. As soon as they saw how low her credit score was, they put an end to the request - they didn't want to waste any time on her application at that point.

However, Lorrie did mention all the loan officers were polite and respectful during her application onslaught. The only big issue was that Lorrie didn't fully appreciate how her credit score was being affected with all of her applications for credit.

It was a real mess (so say the least!)

By the time she was done getting declined for all of her loan requests, her FICO score had dropped below 400 (average score after taking into account all credit reporting agencies.

Some how Lorrie thought that as long as she a good paying job, she would have no problem ever getting approved for credit (no matter what the reason for borrowing the money may have been).

Boy, was she wrong. Lorrie really found out the hard way; why her credit rating has to be kept clean and as high as possible.

And it doesn't really matter HOW you protect your credit rating. There are services you can use, and you can even do it all yourself. We prefer you look after it yourself, so you can save yourself another expense.

So what did Lorrie eventually do?

After trying numerous lenders in Denver, she started experimenting online. She tried applying for credit cards (not a great idea with interest rates that high) and she tried asking family members for money. She was successful at getting a $1000 from a family member but was a drop in the bucket, considering her accumulated debt.

We received her loan request May 4th that year, and her first run through she didn't get any willing lenders. After a few business days she tried again, and that delivered results. Most of our applicants need to make their application 2-3 times before getting hooked up with a lender.

All of the lenders in our pool are legitimate and licensed lenders, but if your credit score is really low, it makes it more difficult to get an offer with a low APR.

In the end though, she got approved for a $40,000 loan over a 5 year term. See the details of her loan below:

• Loan Amount (principal) = $40,000
• Interest Rate = 16.34%
• Term Length = 5 year
• Monthly Payment = $979.96
• Total Paid Back = $58,797.79
• Total Interest = $18,797.79

Note the large amount of interest on the loan. Almost $19000 in interest over five years! This is not an ideal situation, but if a borrower really gets their sh*t together, they can make it work. What I mean by that is; making a budget, making a plan, being disciplined, changing your spending habits, and finding ways to make more money each month.

If you're living in Denver like Lorrie, 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 Denver CO

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Denver Credit Counseling

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Counselors contact us for listing removal or info change.

GreenPath Financial Wellness
650 S Cherry St suite 1230 Denver
CO 80246 - www.greenpath.org
800.550.1961

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Trident Debt Solutions, Inc.
1444 Stuart St, Denver
CO 80204 - 303.872.8492
tridentdebtsolutions.com

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Debt Hero Denver Credit Counseling
999 18th St, Denver
CO 80202 - 303.500.3019

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Clark Credit Counseling
1675 Broadway, Denver
CO 80202 - 303.575.1202

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Credit Glory Credit Repair
1624 Market Street #202, Denver
CO 80202 - creditglory.com
720.575.1121

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Denver Assistance Programs

Food Bank: Food Bank of the Rockies / Address: 10700 E. 45th Avenue, Denver, CO 80239 / Phone: 303.371.9250 Toll-Free: 877.460.8504

Hot/Cold Meals: Volunteers of America / Address: 2660 Larimer Street, Denver CO 80205 / Email: info@voacolorado.org / Phone: 303.297.0408

Shelter In Case of Eviction: Denver Samaritan House / Address: 2301 Lawrence Street, Denver, CO 80205 Phone: 303.294.0241

Assistance Programs: Colorado Department Assistance Programs

More Denver Assistance: Denver Homeless

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Usury Law Governing Denver 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 Denver residents:

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

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WFL Loan Products

Denver 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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