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Kansas Lenders > Wichita

This page was last updated July 2018

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Fair Credit Lenders in Wichita KS

Lenders: contact us for listing removal.

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Wichita Federal Credit Union
1618 455 N Main St #410
Wichita, KS 67202
www.wichitafcu.com
316.941.0600

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Meritrust Credit Union
2900 S Oliver St, Wichita
KS 67210 - 316.683.1199
www.meritrustcu.org

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Credit Union of America
1401 N Maize Rd, Wichita
KS 67212 - www.cuofamerica.com
316.265.3272

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Meritrust Credit Union
8015 E 22nd St N, Wichita
KS 67226 - 316.683.1199
www.meritrustcu.org

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Catholic Family FCU
717 N Socora St, Wichita
KS 67212 - www.cffcu.com
316.264.9163

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Mid American Credit Union
2433 W 31st St S, Wichita
KS 67217 - 316.942.7326
www.midamerican.coop

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Wheat State Credit Union
1400 S Oliver St, Wichita
KS 67218 - 316.687.4101
www.wheatstatecu.com

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VA Credit Union
804 S Oliver St, Wichita
KS 67218 - 316.687.9809

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Skyward Credit Union
275 S Greenwich Rd, Wichita
KS 67207 - skywardcu.com
833.759.1941

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First Choice Credit Union
1920 S Seneca Street Wichita
KS 67213 - 316.721.3228
www.firstchoicecu.com

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Bad Credit Loans in Wichita KS

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

Learn about GAP (Gift Angel Program)

 

Wichita KS Lender Area Map

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Wichita KS Loan App Volume

Top 5 Wichita neighborhood loan app volume

  1. Southeast Wichita
  2. Government Center
  3. Historic Midtown
  4. Towne East Square
  5. East Wichita

Keeper of the Plains in Wichita Kansas: Licensing

Wichita Loan Example

Below is the application form for collecting pre-application submissions and making them available to legitimate lenders in your area of the United States. Below a loan approval informational about and $8000 dollar loan approved with fair credit in Wichita.

Emily and her husband are trying to sell their home. They have met with a real estate agent in their local market of Wichita who has made a number of recommendations in preparation to list their home on the MLS system. The problem is that he is suggesting they spend about $2000 on minor repairs and improvements on their home prior to listing it.

He feels that if they can replace the carpets, paint the inside walls and clean up the landscaping at the front of the home, they will be able to increase the listing price by five or $10,000 dollars. This is actually a good investment for them.

The problem that Emily and her husband have is that they do not have any spare cash or credit they can use to pay for these upgrades and repairs. They both work and their income is sufficient to pay all of their monthly bills, but there is nothing left over for savings. This is actually one of the reasons they are planning on moving. They feel that the house is just too much for them given their income and the lifestyle they would like to lead.

If they can find a lender to loan them $2000, they figure they will sell the home in three to five months and then will repay the loan in full. They are looking for a one-year term to keep the monthly payments lower, but plan to repay whatever the balance is once they receive the proceeds from the sale of their home. It is a bit of a risk for them, however based on comparisons to other homes for sale, they think that this small investment will reap larger rewards for them.

We calculated their payments for them and provided the numbers below:

Loan Amount (principal) = $2000
Interest Rate = 14%
Term Length = 1 year
Monthly Payment = $179.57
Total Paid Back = $2154.89
Total Interest = $154.89

If they are successful at repaying the loan in less than 12 months, the interest cost will be lower than shown above. Even at a cost of $154.89, it still sounds like a pretty good deal if they can net between five to ten thousand more for their home.

They are in a rush to obtain the loan approval so they can tell their agent what their decision is regarding the repairs and improvements. Fortunately, the outcome for them was positive. They actually could have borrowed additional funds if they had needed them.

Their credit rating was pretty good and they are taking the right steps to manage their cash flow and debt situation. They indicated that they did not have any other debts and only one credit card which has a small balance on it.

Emily and her husband did a lot of the work themselves and stretched the $2000 loan even further than they planned. They were able to complete all of the interior upgrades and improved the deck at the back of the home as well. They sold their home for a whopping $15,000 above the asking price! They are ecstatic and have already repaid their loan.

If you're living in Wichita Kansas like Emily 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 Wichita KS

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Wichita Credit Counseling

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Counselors contact us for listing removal or info change.

Consumer Credit Counseling Service
727 N Waco Ave Suite 570 Wichita
KS 67203 - www.kscccs.org
316.265.2000

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Baird Financial Advisors
8535 E 21st St N #125, Wichita
KS 67206 - www.bairdoffices.com
316.609.5200

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Wichita Assistance Programs

Food Bank: Kansas Food Bank / Address: 1919 East Douglas Avenue, Wichita, KS 67211 / Phone: 316.265.3663

Hot/Cold Meals: The Lord's Diner / Address: 520 North Broadway Street, Wichita, KS 67214 / Phone: 316.266.4966

Shelter In Case of Eviction: Wichita Homeless / Address: 900 South Broadway, Wichita, KS 67211 / Phone: 316.267.1213

Social Assistance Programs: Episcopal Social Services / Address: 1010 North Main Street, Wichita, KS 67203 / Phone: 316.269.4160

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Usury Law Governing Wichita 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 Wichita 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

Wichita 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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