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This page was last updated July 2018

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Fair Credit Lenders in Gulfport MS

Lenders: contact us for listing removal.

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Gulf Coast Community FCU
2120 25th Ave Gulfport
MS 39501, 228.539.7029
www.gulfcoastcommunityfcu.com

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Navigator Credit Union
11281 US 49, Gulfport
MS 39503, 800.344.3281
www.navigatorcu.org

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Keesler Federal Credit Union
12240 US 49, Gulfport
MS 39503 - www.kfcu.org
228.385.5500

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Credit Union South
Gulfport, MS 39503
www.creditunionsouth.com
228.207.4767

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Powerco Federal Credit Union
2201 17th Street, Gulfport
MS 39501, 228.865.5227
www.powerco.org

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Navy Federal Credit Union
15163-B Crossroads Parkway
Gulfport, MS 39503
www.navyfederal.org
888.842.6328

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Southern AgCredit
12196 US 49, Gulfport
MS 39503, 228.832.5582
www.southernagcredit.com

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Community Bank
2015 E Pass Rd, Gulfport
MS 39507 - 228.896.7755
www.communitybank.net

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Republic Finance
520 E Pass Rd d, Gulfport
MS 39507 - 228.604.0840
www.republicfinance.com

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The Peoples Bank
412 E Pass Rd, Gulfport
MS 39507 - www.thepeoples.com
228.864.2252

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Bad Credit Loans in Gulfport MS

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Gulfport MS Lender Area Map

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Gulfport MS Loan App Volume

Top 5 Gulfport neighborhood loan app volume

  1. Bayou View
  2. Broadmoor
  3. Brentwood
  4. Windsong
  5. Magnolia Grove
Gulfport Mississippi Route 90 Sign: Licensing

Gulfport Bad Credit Consolidation

Mark, like many of his friends is trying to raise a family, pay for a home, two cars and take the family on a vacation every year.

He and his wife both work and their schedule is really hectic every day between getting the kids ready for school, work and activities in the evening.

Recently this all came to a halt when one of the kids got sick and then his wife had to take time off to look after their children.

Suddenly Mark found himself with several huge medical bills from the time his child spent in the hospital, credit card debt that piled up during this interval and repairs he needed to make on his car.

Before he realized what was happening he found himself in debt for a total of $80000 dollars and threatening calls from debt collectors for the hospital.

He has tried to reason with them and set up a payment plan, but it just does not seem to be working.

He feels that his best solution is to borrow the money and add it to his mortgage on his home.

If he can spread it out over a twenty five year term and if the interest rate is low enough, he feels that he will be able to afford the monthly payments until his wife can get back to work.

In a few months his family's life should return back to normal even though they will be $80k in debt from this time in their life. He needs a consolidation loan to help him with his debts.

A $80000 loan with an twenty five-year term and 4.3% interest rate for Mark would cost him the following per month:

Loan Amount (principal) = $80000
Interest Rate = 4.3%
Term Length = 25 year
Monthly Payment = $435.63
Total Paid Back = $130689.99
Total Interest = $50689.99

Everyone seems to have a time in their life when curve balls seem to come at them from every which way. Whether it is an illness, accident or job loss there always seems to be something that comes along.

Mark had set up an emergency fund to try to be ready for this sort of thing, however it was not enough to cover all of the expenses, especially when three different crises came at the same time.

Mark's loan will likely be approved, however it will take some time to review all of the paper work, conduct an appraisal of his home and register the mortgage on the property.

Since he is adding to his existing mortgage, it will be paid out and the new mortgage registered. Consolidation of his debts and his existing mortgage seemed to be the best approach for him at this time.

They plan to focus on paying down their mortgage as fast as they can once his wife gets back to work.

Mark wants to have his mortgage paid in full by the time he retires as well as build up an emergency fund again. There is probably a good chance that another life impacting curveball will come his way again at a time when he least expects it.

If you're living in Gulfport like Mark, 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 Gulfport MS

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

Education Upgrades: College / University

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Gulfport Credit Counseling

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Counselors contact us for listing removal or info change.

American Credit Professionals
13221 Westminster Blvd Gulfport
MS 39503 - www.amcredpro.com
833.273.3776

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Money Management International
2598 Pass Rd Ste. G, Biloxi
MS 39531 - www.moneymanagement.org
713.394.3232

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Gulfport Assistance Programs

Food Bank: Twelve Baskets Food Bank / Address: 333 Cowan Road, Gulfport, MS 39507 / Phone: 228.822.0836

Hot/Cold Meals: Feed My Sheep / Address: 2615 19th Street, Gulfport, MS 39501 / Phone: 228.864.2701

Shelter In Case of Eviction: Mercy Housing & Human Development / Address: 1135 Ford Street, Gulfport, MS 39507 / Phone: 228.896.1945

Social Assistance Programs: Gulf Coast Community Action Agency / Address: 3683 Lowes Ave, Gulfport, MS 39503 / Phone: 228.679.5990

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Usury Law Governing Gulfport 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 Gulfport 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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WFL Loan Products

Gulfport residents who require a fresh start with a bad credit loan to rebuild credit learn more here. Or, perhaps your score is just fair - you can learn more here. If you're in debt way over your head, you can learn about our debt consolidation solutions here.

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