Fair Credit Lenders in Southaven MS
Lenders: contact
us for listing removal.
Southaven SecurTrust FCU
3870 Goodman Rd E, Southaven, MS 38672
www.securtrust.org
662.890.8760
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First South Financial CU
185 Goodman Rd W, Southaven, MS 38671
www.firstsouth.com
901.380.7400
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haven Healthnet FCU
84 Airways Pl #5886, Southaven, MS 38671
www.healthnetfcu.org
901.226.1111
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Southern Security FCU
6717 Airways Blvd, Southaven, MS 38671
southernsecurity.org
901.452.7900
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First Heritage Credit
8995 US-51, Southaven, MS 38671
www.1stheritagecredit.com
662.393.4405
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Republic Finance
8946 Airways Blvd # 3, Southaven, MS 38671
www.republicfinance.com
662.280.8778
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Quick Lend Cash
3040 Goodman Rd E, Southaven, MS 38672
www.quiklendcash.com
662.349.0017
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United Credit of Southaven
1306 Goodman Rd E Suite 105
Southaven, MS 38671
662.349.2274
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First Choice Loans
180 Stateline Rd W, Southaven, MS 38671
firstchoicepaydayloans.com
662.280.1070
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Southaven Renasant Bank
510 Church Rd W, Southaven, MS 38671
www.renasantbank.com
800.680.1601
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Bad Credit
Loans in Southaven MS
Southaven MS Lender
Area Map
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map.
Southaven MS Loan App
Volume
Top 5 Southaven
neighborhood loan app volume
- Greenbrook
- Country Oaks
- Tall Oaks
- Golden Oaks
- Stone Creek
Southaven Bad Credit Loan Example
Gordon is a looking for an RV or a fifth wheel trailer
that he can purchase to live in. He has looked at
several in the past few months and decided that if he can find one that
fits his budget he will make an offer.
Gordon will have to make arrangements for the fifth wheel
to be moved since he does not have a truck that could pull it.
But that is really ok with him, he is not planning to
tour with it. Instead this will be his home for the next couple of years
until he can get his finances in shape and recover from some medical issues
he is dealing with.
He has seen many for sale around the $25 k range.
With moving costs, furniture he might need to purchase
and deposits he will have to make wherever he parks it, he thinks he will
need somewhere around $30k to consolidate all of his debt and expenses
into one loan.
He will be able to use the fifth wheel as security for
the loan and he should qualify for a low interest loan.
Although he does not have a lot of savings, he does have
a pretty solid credit rating and with the help of the security of the
fifth wheel, he was offered a loan interest rate of 4.7% and a term of
six years.
This is a bit more than he wants to pay each month, however
it is still better than paying rent and not having any assets after paying
rent for a couple of years.
He feels that this is the best way to build equity which
will lead to something more comfortable to live in after a couple of years.
A $30000 loan with an six-year term and 4.7% interest
rate for Gordon would cost him the following per month:
• Loan Amount (principal) = $30000
• Interest Rate = 4.7%
• Term Length = 6 year
• Monthly Payment = $478.98
• Total Paid Back = $34486.87
• Total Interest = $4486.87
Gordon was able to find a unit that was priced very competitively
and came with all of the basic furnishings that he was going to need.
After selling some of his own things and some of what
was left behind, Gordon had a well-furnished fifth wheel at a lower net
price than he expected.
His budget for moving was a little higher than expected
and they wanted a larger down payment for connecting services etc. than
he expected.
It all worked out and he was able to fit just under the
$30k maximum he had established for himself.
The consolidation loan was also approved and he used the
fifth wheel he purchased as collateral for the loan.
With a payment of just under $500 a month and reasonable
service charges for sewer, water and utilities, he is able to live very
inexpensively.
This appears to be a great way to get started and building
equity. Although the fifth wheel will depreciate a bit over time, he can
still sell it in the future and recover some of his investment.
If you're living in Southaven like Gordon,
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 Southaven MS
Job/Income Upgrades: Indeed
/ CareerBuilder
Education Upgrades:
College / University
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Credit Counseling Near Southaven
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map.
Counselors contact
us for listing removal or info change.
Southaven Credit By Creations
1046 Church Rd W STE 106-234, Southaven
Mississipi, 38671
www.creditbycreations.com
888.587.6599
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Southaven Consumer Credit
West Memphis, AR 72301
www.consumercredit.com
870.732.2077
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CreditFlower
3385 Airways Blvd #108b, Memphis, TN 38116
901.255.3497
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Federal Resources
FTC
Budget PDF / USA.GOV Debt Info
Southaven Non-Profit Services
Food Bank: HeartLand
Hands Food Pantry / Address: 385 Stateline Road West, Southaven, MS 38671
/ Phone: 662.280.5365
Hot/Cold Meals: HeartLand
Church / Address: 3580 Getwell Road, Southaven, MS 38672 / Phone: 662.393.6600
Shelter In Case of Eviction (nearest
Southaven): Calvary Rescue Mission / Address: 960 South 3rd Street,
Memphis, TN 38106 / Phone: 901.775.2570
Social Assistance Programs:
Southaven WIC / Address: 8791 Northwest Drive, Southaven, MS 38671 / Phone:
662.342.5534
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Usury Law Governing
Southaven 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 Southaven 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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