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Idaho Lenders > Boise

This page was last updated July 2018

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Fair Credit Lenders in Boise ID

Lenders: contact us for listing removal.

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Idaho Central Credit Union
6707 W Overland Rd Boise
ID 83709 - www.iccu.com
208.846.7000

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CapEd Credit Union
7450 W Thunderbolt Dr, Boise
ID 83709 - www.caped.com
208.884.0150

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Health Care Idaho Credit Union
208 W Jefferson St, Boise
ID 83702 - www.hcicu.com
208.275.0069

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Icon Credit Union
1111 W Jefferson St, Boise
ID 83702 - 208.384.7428
www.iconcreditunion.org

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Debt Reduction Services
6213 N Cloverdale Rd #100
Boise ID 83713 - 208.378.0200
debtreductionservices.org

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Northwest Christian Credit Union
6115 W Overland Rd, Boise
ID 83709 - www.nwchristiancu.org
208.376.5525

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Mountain America Credit Union
393 St S 3rd St, Boise
ID 83702 - www.macu.com
208.338.1186

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Connections Credit Union
249 N 9th St, Boise
ID 83702 - www.cuconnect.org
208.805.1850

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St. Alphonsus Medical Credit Union
999 N Curtis Rd #516, Boise
ID 83706 - samcu.org
208.367.2224

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Idaho Independent Bank
8351 W Overland Road Boise
ID 83709 - www.theidahobank.com
208.323.6000

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Bad Credit Loans in Boise ID

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

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Boise ID Lender Area Map

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Boise ID Loan App Volume

Top 5 Boise neighborhood loan app volume

  1. Riverland East
  2. Fort Street Marketplace
  3. Borah
  4. Old Boise Historic District
  5. West Bench

Capitol Buliding in Boise Idaho: Licensing

Boise Bad Credit Loan Example

Ken does not have medical health coverage and needs a knee operation quite badly. He is in a fair bit of pain and his doctor has told him that he should really have it operated on.

Fortunately for Ken, he has a desk job so he can continue working, but somehow he needs to come up with $15000 to pay the estimated health bills associated with this operation.

He does not have any savings and on top of that he also has a bad credit rating from previous issues he had with paying his credit cards and his rent.

He was unable to make his payments while between jobs and of course that did a number on his credit score. Although this was several years ago, the reports are still on his report and could stay there as long as seven years. This is typical of many credit issues which many consumers don’t realize.

Now Ken needs a loan and he is having a difficult time finding a lender who will loan him the money he needs for the operation. They just do not want to take the risk on him with his really low credit score.

Even though he has not had any issues for the past two years they are very nervous about lending money to him especially with a longer term such as 5 years.

Ken will be off work for several weeks while he recovers and will not receive any pay during that time which is another factor in his approval of a loan.

No benefits and no pay makes it very difficult to repay any loan regardless of the size and the term of the loan. He is going to have to come up with some other means of financing this operation.

A $15000 loan with a 5 year term 9.55% interest rate for Ken would cost him the following per month:

Loan Amount (principal) = $15000
Interest Rate = 9.55%
Term Length =5 year
Monthly Payment = $315.39
Total Paid Back = $18923.67
Total Interest = $3923.67

Ken really needs to look for alternatives to borrowing money for his operation. Can he borrow anything from close friends who are willing to give him a break? Asking for a smaller loan with a faster repayment schedule might also be considered.

Working overtime and saving the extra money he makes until he has enough to cover the operation is another possibility. There are also local organizations in some communities that will provide assistance in a few cases.

He really is in a tough spot and his knee pain is really limiting his lifestyle. He is considering moving back in with is daughter to save rent money and reduce his expenses so that he can save enough money.

He will continue working as long as he can to retain his income and keep his job. His employer has been really helpful as well. Although Ken is not receiving any benefits on the job, his boss is trying to make sure that Ken has lots of work that does not require him to do any more walking than is needed. Ken has a tough few years ahead of him until he has his knee operation.

If you're living in Boise Idaho like Ken, 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 Boise ID

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

Education Upgrades: College / University

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Boise Credit Counseling

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Counselors contact us for listing removal or info change.

CareOne Credit
10494 W Overland Road Boise
ID 83709 - 208.917.7185

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Financial Planning Services
3601 N Lakeharbor Ln, Boise
ID 83703 - www.fps4u.com
208.853.4600

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Table Rock Financial Planning
2235 Elderberry Pl, Boise
ID 83706 - 208.629.2349
www.tablerockfinancial.com


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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Boise Assistance Programs

Food Bank: The Idaho Foodbank / Address: 3562 South Tk Avenue, Boise, ID 83705 / Phone: 208.336.9643

Hot/Cold Meals: Boise Rescue Mission / Address: 575 South 13th Street, Boise, ID 83702 / Phone: 208.389.9840

Shelter In Case of Eviction: For Men: River of Life Men's Shelter / Address: 575 South 13th St, Boise, ID 83702 / Phone: 208.389.9840 / For Women: City Light Home For Women / Address: 1404 West Jefferson Street, Boise, ID 83702 / Phone: 208.368.9901

Social Assistance Programs: Jesse Tree of Idaho / Address: 1121 West Miller Street, Boise, ID 83702 / Phone: 208.383.9486

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Usury Law Governing Boise ID

Summary of Idaho Usury Law(s) / Legal: 12% Contract: Any rate agreed upon / Judgment: 5.625% / Corporate: No specific rate (read more on Idaho lending laws)

Complaint process for Boise residents:

Idaho Department of Finance / Idaho Complaint Process

Idaho Department of Finance / Physical Address: 800 Park Blvd., Suite 200, Boise, ID 83712 / Mailing Address: P.O. Box 83720, Boise, ID 83720-0031 / Phone: (208)332-8000 / Toll Free In Idaho Only: 1-888-346-3378 / E-Mail: finance@finance.idaho.gov

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WFL Loan Products

Boise residents dealing with a bad credit score can read about our bad credit loans network, OR if your rating is in the average zone, you can read about fair credit loan pool. If you're DEEP in high interest debt, please read about our debt consolidation loan resources.

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