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This page was last updated July 2018

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Fair Credit Lenders in Nampa ID

Lenders: contact us for listing removal.

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Idaho Central Credit Union
3101 E Greenhurst Rd Nampa
ID 83686 - www.iccu.com
208.846.7000

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CapEd Credit Union
16275 N Marketplace Blvd, Nampa
ID 83687 - www.caped.com
208.884.0150

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Mountain Gem Credit Union
421 11th Ave S, Nampa
ID 83651 - www.mountaingemcu.org
208.466.9455

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Clarity Credit Union
1822 N Merchant Way, Nampa
ID 83651 - www.claritycu.com
208.467.6583

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Connections Credit Union
343 Caldwell Blvd, Nampa
ID 83651 - www.cuconnect.org
208.475.0305

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Northwest Christian Credit Union
716 E Colorado Avenue, Nampa
ID 83686 - www.nwchristiancu.org
208.466.0916

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Westmark Credit Union
5192, 6034 Birch Lane
Nampa, Idaho 83687
www.westmark.org
208.465.7717

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Desert Sage Federal CU
1104 W Finch Dr, Nampa
ID 83651 - www.desertsagefcu.com
208.461.9141

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Mountain America Credit Union
112 2nd St S, Nampa
ID 83651 - www.macu.com
208.466.8163

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Murdoch Finance Company
122 ½ 12th Ave Road Nampa
ID 83651 - carloansboise.com
208.615.5599

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Bad Credit Loans in Nampa ID

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Nampa ID Lender Area Map

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Nampa ID Loan App Volume

Top 5 Nampa neighborhood loan app volume

  1. County Line Road/East Franklin Road
  2. 12Th Avenue Road/West Greenhurst Road
  3. 12Th Avenue Road/Lake Lowell Avenue
  4. 2nd Street South / 1st Street South
  5. N Midland Boulevard/Caldwell Boulevard

Orginal Post Office in Nampa Idaho: Licensing

Nampa Bad Credit Loan Example

Kevin lost his job a few months ago and then proceeded to do all of the wrong things from a financial perspective. With no income coming in and being used to living from pay check to pay check, he ran out of money pretty quickly.

He did not have any savings and he pretty much spent everything that he made. He was lucky to receive one week’s severance from the company he worked for.

He started looking for a job immediately but it took him almost 3 months to find another with the salary he was looking for even in this low unemployment economy.

He could have taken a couple of part time jobs while he was searching for something in his career area, but he chose not to and went into debt at the same time.

He initially used his credit cards to charge everything from food and gas to some of his utilities. When he did not have any income, he had to ignore the credit card bills and of course they reported non payment to the credit agencies and started sending him collection notices.

The same thing happened with his rent and his utilities. His landlord was ready to begin eviction procedures against him.
When he did find a job he immediately paid his landlord so now he is caught up with his rent payments.

He still has his credit card accounts and utility payments that he needs to pay. He would like a loan of $3500 which he will repay over a three year term.

A $3500 loan with a 3 year term 9.55% interest rate for Kevin would cost him the following per month:

Loan Amount (principal) = $3500
Interest Rate = 9.55%
Term Length =3 year
Monthly Payment = $112.20
Total Paid Back = $4039.10
Total Interest = $539.10

With his current salary, the monthly payment of $112 along with his rent and utilities is very affordable. Normally with a good credit rating he would not have a problem being approved for a loan of this size and term. His recent credit score is like a red flag to lenders who will be very concerned about taking a risk with Kevin.

He also obviously not been at his new job very long which is another negative factor in terms of loan approvals. Lenders look for employment stability as an indicator when it comes to loan approvals.

He will probably have to pay a higher interest rate than normal due to the perceived risk associated with his credit score and his new employment status.

With the salary he is making on his new job there is room to pay the loan along with all of his other expenses and save some money for future emergencies at the same time. When the loan is fully paid he should really add this monthly payment to his savings account to build up the emergency fund even more.

He also needs to learn to avoid living from pay check to pay check. If in the future he is unable to meet a payment date on a debt, he should get in touch with the lender, explain the situation and negotiate some other payment plan to avoid negative reports to his credit score.

If you're living in Nampa Idaho like Kevin does, 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 Nampa ID

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Nampa Credit Counseling

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Counselors contact us for listing removal or info change.

Advanced Credit Solutions
1003 7th St S Nampa
ID 83651 - idahoacs.com
208.461.9443

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Credit Problem Repair
1123 12th Ave Rd, Nampa
ID 83651 - 208.407.7247
creditproblemrepair.com

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Nampa Assistance Programs

Food Bank: 12 Baskets Food Pantry / Address: 11220 Lone Star Road, Nampa, ID 83651 / Phone: 208.546.5896

Hot/Cold Meals: Salvation Army of Nampa / Address: 403 12th Ave Road, Nampa, ID 83651 / Phone: 208.467.6586

Shelter In Case of Eviction: For Men: Lighthouse Rescue Mission / Address: 304 16th Ave North, Nampa, ID 83687 / Phone: 208.461.5030 / For Women: Valley Women and Children's Shelter / Address: 869 West Corporate Lane, Nampa, ID 83651 / Phone: 208.475.0725

Social Assistance Programs: Idaho Department of Health & Welfare / Address: 1783, 823 Park Centre Way, Nampa, ID 83651 / Phone: 208.465.8460 / Advocates for Inclusion / Address: 958 West Corporate Lane, Nampa, ID 83651 / Phone: 208.467.7524Advocates for Inclusion / Address: 958 West Corporate Lane, Nampa, ID 83651 / Phone: 208.467.7524

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Usury Law Governing Nampa 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 Nampa 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

Nampa 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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