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This page was last updated November 2018

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Fair Credit Lenders in Bismarck ND

Lenders: contact us for listing removal.

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Capital Credit Union
204 W Thayer Ave Bismarck
ND 58501 / www.capcu.org
701.255.0042

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First Community Credit Union
425 N 5th Street, Bismarck
ND 58501 / www.myfccu.com
701.258.2751

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Railway Credit Union
112 S 24th Street, Bismarck
ND 58501 / www.railwaycu.com
701.222.8736

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Vue Community Credit Union
818 E Main Ave, Bismarck
ND 58501 / www.vueccu.com
701.223.6533

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Genie/Watt Credit Union
314 E Thayer Ave #101, Bismarck
ND 58501 / 701.258.6141

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Best Source Credit Union
600 Kirkwood Mall, Bismarck
ND 58504

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Gate City Bank
2710 State Street, Bismarck, ND 58503
www.gatecitybank.com
701.355.7640

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Black Ridge Bank
3703 Lockport Street, Bismarck
ND 58503 / www.blackridgebank.com
701.751.3300

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Kirkwood Bank & Trust
122 E Main Ave #1, Bismarck
ND 58501 / www.kirkwoodbank.com
701.355.2111

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Bad Credit Loans in Bismarck ND

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

Learn about GAP (Gift Angel Program)

 

Bismarck ND Lender Area Map

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Bismarck ND Loan App Volume

Top 5 Bismarck neighborhood loan app volume

  1. River Road/Burnt Boat Drive
  2. East Main Avenue/North Bismarck Expressway
  3. 26th Street Northeast/71st Avenue Northeast
  4. East Main Avenue/North Bismarck Expressway
  5. Arnold

Bismarck North Dakota Capitol: Licensing

Bismarck Bad Credit Consolidation

Don is interested in purchasing a brand new SUV. It is one of the more expensive ones and it is going to cost him well over sixty grand.

He has sufficient money for a large down payment, but will need to borrow at least $50k to fund his purchase and also consolidate a small amount of credit card debt.

His credit card debt is really not an issue for him, however he just wants to have everything included in one loan and to have one equal monthly payment.

He knows that he has several options in terms of this purchase. The dealer is offering financing for the new vehicle that he wants to purchase.

The terms and the interest rate are very attractive; however, he would not be able to consolidate his other debts if he took that option.

Whether he takes the dealer sponsored loan or arranges his own loan privately, the SUV will be used as collateral for the loan.

If he should miss several payments, Don would risk the SUV being repossessed and sold. This is a standard approach that almost all lenders use when lending money to purchase vehicles.

Don is comparing the two different plans in terms of overall cost for these loans and will make a decision based on the numbers presented to him.

A $50000 loan with an seven-year term and 2.5% interest rate for Don would cost him the following per month:

Loan Amount (principal) = $50000
Interest Rate = 2.5%
Term Length = 7 year
Monthly Payment = $649.46
Total Paid Back = $54554.47
Total Interest = $4554.47

Once Don compared the two plans for a loan to help him purchase his new SUV, he opted to take the dealers loan proposal based on the lower interest rate and the low cost of the loan over the life of the loan.

He still wants to consolidate his credit card debt and plans to reapply for a consolidation loan. He will have two payments instead of one, however he is ok with that approach, because he will pay much less interest over the lifetime of these two loans.

Consumers like Don are taking the time to compare options when it comes to borrowing money for whatever they need the funds for.

There are many variables to consider and they have different priorities depending on the person involved and the financial situation they find themselves in.

For Don his priority was minimizing the total interest paid over the life of the loan. For many people who are struggling with cash flow, a low monthly payment is sometimes more important.

Even though a longer term loan will mean higher total interest charges over the life of the loan, a low monthly payment may be more important to help them manage their monthly cash flow.

Consolidating debt will often achieve both objectives of low total interest costs and lower monthly payments.

Bottom line for consumers like Don, pay off your debt whatever it is as quickly as you can afford to. You will may much less total interest cost over the life of the loan and save money.

If you're living in Bismarck like Don, 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 Bismarck ND

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Bismarck Credit Counseling

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Counselors contact us for listing removal or info change.

Debt Relief Counseling
715 E Interstate Ave #35 Bismarck
ND 58503 / debtreliefcounseling.org
877.733.5137

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The Village Family Service Center
3893, 107 W Main Ave #350
Bismarck / ND 58501
www.thevillagefamily.org
701.255.1165

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Bismarck Assistance Programs

Food Bank: Great Plains Food Bank / Address: 721 Memorial Highway, Bismarck, ND 58504 / Phone: 701.751.6188

Hot/Cold Meals: Bismarck Emergency Food Pantry / Address: 725 Memorial Highway Suite B, Bismarck, ND 58504 / Phone: 701.258.9188

Shelter In Case of Eviction: Welcome House of Bismarck / Address: 1902 East Thayer Avenue, Bismarck, ND 58501 / Phone: 701.751.0142

Social Assistance Programs: Community Action / Address: 2105 Lee Avenue, Bismarck, ND 58504 / Phone: 701.258.2240

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Usury Law Governing Bismarck ND

Summary of North Dakota Usury Law(s) / Legal: 6% / Contract: North Dakota contract rate is 5.5% over the average rate for 6-month U.S. Treasury bills but not less than 7%. / Judgment: 12% / Corporate: Any rate (read more on North Dakota lending laws)

Complaint process for Bismarck residents:

North Dakota Department of Financial Institutions / North Dakota Complaint Process / North Dakota Complaint Form (PDF)

Physical Address: North Dakota Department of Financial Institutions / 2000 Schafer Street, Suite G, Bismarck, ND 58501-1204 / Phone: 701.328.9933 Fax: 701.328.0290 / Email: dfi@nd.gov

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WFL Loan Products

Bismarck 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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