Fair Credit Lenders in Biloxi MS
Lenders: contact
us for listing removal.
Biloxi Coastal Credit Union
1042 E Howard Ave, Biloxi, MS 39530
www.coastalcu.net
228.432.0284
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Keesler Federal Credit Union
7503, 107 Galaxy St, Biloxi, MS 39534
www.kfcu.org
228.385.5500
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Biloxi Hope Credit Union
188 Porter Ave, Biloxi, MS 39530
hopecu.org
228.374.1667
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Biloxi Credit Union South
# 18, 2410, 400 Veterans Ave, Biloxi, MS 39531
www.creditunionsouth.com
228.388.5040
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Harrison County PO Employees CU
1976 Popps Ferry Rd, Biloxi, MS 39532
postofficecu.com
228.896.0038
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Gulf Coast Community FCU
11522 Cinema Dr, D'Iberville, MS 39540
www.gulfcoastcommunityfcu.com
228.539.7029
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Biloxi Schools Credit Union
1455 Father Ryan Ave, Biloxi, MS 39533
www.biloxischools.net
228.436.5126
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Biloxi Money Now
2458 Pass Rd, Biloxi, MS 39531
www.moneynow.net
228.385.2888
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Acceptance Loan Company
3179 Mallett Rd, D'Iberville, MS 39540
www.acceptanceloan.com
228.396.5601
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Biloxi Republic Finance
3200 Mallett Rd Ste. D1, D'Iberville, MS 39540
www.republicfinance.com
228.392.0004
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Bad Credit
Loans in Biloxi MS
Biloxi MS Lender
Area Map
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map.
Biloxi MS Loan App
Volume
Top 5 Biloxi
neighborhood loan app volume
- Pine Grove
- Irish Hill/White Avenue Area
- Popps Ferry
- Edgewater
- Atkinson
Presidential Library Biloxi MS:
Source
Biloxi Bad Credit Loan Example
John has been struggling with employment for the past
few years. He was laid off his job a year ago.
He had been at this company for over 20 years. He has
been looking for full time employment ever since, although he has worked
several small contracts and has even worked at Walmart to make some money
while he looked for work in his career area.
It has been very frustrating and now he feels that he
needs a consolidation loan to place all of his debts in one low interest
loan.
His credit score is good. He has made sure that he always
pays his bills on time and has never missed a payment. He knows that without
stable income, it will be more difficult to obtain a loan of this size.
He has applied for several jobs and he feels that his
current application in his career area has a strong probability of succeeding.
He has gone for several interviews and has one more with
the chief financial officer. He is on the short list and expects to hear
with the next few days whether he has the job or not.
At the present time, he has several credit cards that
are max’d out totaling $20k with statement due dates in the next
few weeks.
With limited income, several emergencies and emergency
savings gone, John had no choice but use his credit cards for groceries
and cash advances to pay utilities.
He can pay the minimum monthly payment, however, this
will initiate interest charges at the prevailing high interest rates that
credit cards charge. He needs $20k to consolidate this credit card debt
this week.
A $20000 loan with a five year term and 7.7% interest
rate for John would cost him the following per month:
• Loan Amount (principal) = $20000
• Interest Rate = 7.7%
• Term Length = 5 year
• Monthly Payment = $402.66
• Total Paid Back = $24159.75
• Total Interest = $4159.75
John is indeed in a difficult situation. Although he has
a good credit score and has always paid his bills on time, he is not in
a good position to be approved for a consolidation loan.
With no income at this time, he would have difficulty
paying the monthly loan payment let alone his normal living expenses for
utilities and groceries.
Although John feels that he has a good shot at this current
job he is being interviewed for, he still does not have a job and cannot
be counted as income until he actually gets the job.
Once he has been hired and the company is willing to provide
documentation supporting his hiring and salary level, most lenders will
consider his loan.
At the present time no lender is willing to consider his
application.
One week later after this application was originally submitted,
John was offered the job he had applied for and he starts immediately.
He has resubmitted his application for a consolidation
loan and provided documentation for the job he was just hired for. His
application for the consolidation loan will be reassessed.
Looks like John’s year of unemployment is over and
he can begin recovering his financial health again.
If you're living in Biloxi like John,
and need a loan regardless of your credit rating, we may be able to help
you find a willing lender.
Sincerely,
Chris Somerset

Chris
Somerset is a writer for the WFL Project.
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Upgrades Nearest Biloxi MS
Job/Income Upgrades: Indeed
/ CareerBuilder
Education Upgrades:
College / University
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Credit Counseling Near Biloxi
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map.
Counselors contact
us for listing removal or info change.
Money Management International
2598 Pass Rd ste f, Biloxi, MS 39531
www.moneymanagement.org
713.394.3232
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Debt Hero of Biloxi
201 Reynoir St, Biloxi, MS 39530
601.500.5013
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Federal Resources
FTC
Budget PDF / USA.GOV Debt Info
Biloxi Non-Profit Services
Food Bank: Twelve Baskets
Food Bank / Address: 333 Cowan Road, Gulfport, MS 39507 / Phone: 228.822.0836
Hot/Cold Meals: Loaves
& Fishes / Address: 610 Water Street, Biloxi, MS 39530 / Phone: 228.436.6172
Shelter In Case of Eviction (nearest
Biloxi): Gulf Coast Rescue Mission / Address: 2750 Mission Lane,
Biloxi, MS 39531 / Phone: 228.388.3884
Social Assistance Programs:
Catholic Social & Community Services / Address: 800 Division Street,
Biloxi, MS 39530 / Phone: 228.374.6588
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Usury Law Governing
Biloxi MS
Summary of Mississippi Usury
Law(s) / Legal: 8% / Contract: 11%; 15% on organizational loans
over $2,000 / Judgment: 8% / Corporate: 15% over $2,500
(read
more on Mississippi lending laws)
Complaint process for Biloxi residents:
Mississippi
Department of Banking and Consumer Finance
/ Mississippi
Complaint Process / Complaint
Form (PDF)
Physical Address: Department of Banking
and Consumer Finance / PO Box 12129, Jackson, MS 39236-2129 / Phone: 601.321.6901
/ Fax: 601.321.6933 / Toll free: 800.844.2499
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