Overland Park KS
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Kansas Lenders > Overland Park

This page was last updated November 2018

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Fair Credit Lenders in Overland Park KS

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Community America Credit Union
6280 W 135th St Overland Park
KS 66223 - 913.905.7000
www.communityamerica.com

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Mid American Credit Union
9201 W 87th St, Overland Park
KS 66212 - www.midamerican.coop
913.362.5200

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Mazuma Credit Union
7260 W 135th St, Overland Park
KS 66223 - www.mazuma.org
913.574.5000

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Corporate America Family CU
6480 Sprint Pkwy, Overland Park
KS 66251 - www.cafcu.org
800.359.1939

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Mainstreet Credit Union
9100 W 74th St, Shawnee Mission
KS 66204 - www.mainstreetcu.org
913.599.1010

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S M Federal Credit Union
6029 Broadmoor St, Shawnee Mission
KS 66202 - smfederal.org
913.831.4555

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CommunityAmerica Credit Union
7620 State Line Rd, Prairie Village
KS 66208 - www.communityamerica.com
913.905.7000

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Debt Consolidation
Lenexa, KS 66215
913.894.1271

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United Consumers Credit Union
1105 W Dennis Avenue, Olathe
KS 66061 - www.uccumo.com
913.782.1231

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Farmers Insurance FCU
17000 W 119th St, Olathe
KS 66061 - www.figfcu.com
800.877.2345

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Bad Credit Loans in Overland Park KS

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Overland Park KS Lender Area Map

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Overland Park KS Loan App Volume

Top 5 Overland Park neighborhood loan app volume

  1. Nall Hills
  2. Good Neighbors
  3. Grantioch
  4. Congleton
  5. Moody Hills

Old Overland Theatre (RIO since 2000): Licensing

Overland Park Bad Credit Loan

Dianna lives and works in Overland Park in the Mission area, and would like to purchase a used ATV as a present for her husband. He likes to go hunting and an ATV would make it a lot easier for him to get in and out of the forest areas where he loves to hunt with his father and brothers.

They often head off into the bush along old logging roads. They can go for several miles before they stop and set up camp. The ATV makes a lot of noise, so they then will hike another mile further into the bush in the early morning to set up and wait for unsuspecting deer.

Dianna’s credit score is not in good shape. She has a bad credit score and needs a loan that will unfortunately reflect her bad credit score. Anyone with a score in this area, usually finds it difficult to find a lender who will approve a loan and if they do the interest rate and possibly fees are higher to reflect the increased risk factors.

She really wants to buy this ATV for her husband and has been searching for a lender that will help her. Dianna also wants it to be a surprise as well. So he cannot find out about the loan either.

She is applying for this loan totally on her own without his knowledge. Dianna works at a full time job and although she can afford the monthly payments, it is her credit score that is holding her back.

A $8500 loan with a 3 year term and 8.46% interest rate for Dianna would cost her the following per month:

Loan Amount (principal) = $8500
Interest Rate = 8.4%
Term Length =3 year
Monthly Payment = $268.17
Total Paid Back = $9654.00
Total Interest = $1154.00

Dianna really needs to fix her credit score. One way to do that is to borrow money and repay it meeting all of the terms of the loan. If you have a credit card, make sure that the balance is kept low and you also pay it on time. The same applies to all other payments that an applicant is obligated to pay each month.

Her problems began when she got a little lazy a year ago and just plain forgot to pay her credit card account. Her husband did the same and since her name is on several of the same accounts e.g. car loan and mortgage, both of their credit scores declined.

We are unsure of why this occurred but the impact was a drastic drop in her score and his. They both have been working to fix their problems since then and the items that were reported will drop off her report in another year.

Dianna will likely be approved for this loan and her husband will receive a big surprise. He will be ecstatic about the ATV according to Dianna. He has talked about buying one for some time. He might not be as happy about the loan, however that is something they will have to work out.

If you're living in Overland Park like Dianna 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 Overland Park KS

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

Education Upgrades: College / University

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Overland Park Credit Counseling

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Counselors contact us for listing removal or info change.

Consumer Credit Counseling Services
8826 Santa Fe Dr Overland Park
KS 66212 - 913.642.5393

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Apprisen Financial Advocates
8826 Santa Fe Drive #110
Overland Park, KS 66212
apprisen.com - 913.642.5393

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Overland Park Assistance Programs

Food Bank: Village Presbyterian Church Food Pantry / Address: Tillotson Building, 9960 Mission Road, Overland Park, KS 66207 / Phone: 913.671.2315 & New Hope Food Pantry / Address: 13310 South Blackbob Road, Olathe, KS 66062 / Phone: 913.782.0955

Hot/Cold Meals: Catholic Charities / Address: 9808 West 87th Street, Overland Park, KS 66212 / Phone: 913.384.6608

Shelter In Case of Eviction: Johnson County Interfaith Hospitality Network / Address: 6315 West 110th Street, Overland Park, KS 66211 / Phone: 913.345.2121

Social Assistance Programs: Kansas Department for Children and Families (DCF) / Address: 8915 Lenexa Drive, Shawnee Mission, KS 66214 / Phone: 913.826.7300

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Usury Law Governing Overland Park KS

Summary of Kansas Usury Law(s) / Legal: 10 percent Contract: 15 percent unless otherwise by law / Judgment: 4.5 percent / Corporate: No specific rate (read more on Kansas lending laws)

Complaint process for Overland Park residents:

State Bank Commission of Kansas / Complaint Process

Office of the State Bank Commissioner / Write to: Attn : Attn: Complaints, 700 SW Jackson, Suite 300, Topeka, Kansas 66603 / Fax - 785-296-6037 / E-Mail: complaints@osbckansas.org

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WFL Loan Products

Overland Park 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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