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North Dakota Lenders > Fargo

This page was last updated September 2018

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Fair Credit Lenders in Fargo ND

Lenders: contact us for listing removal.

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Capital Credit Union
4900 13th Ave South #5 Fargo
ND 58103 / www.capcu.org
701.282.2139

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Town and Country Credit Union
925 14th Ave E, West Fargo
ND 58078 / 701.356.1760
www.townandcountry.org

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Bestsource Credit Union
3902 13th Avenue South, Fargo
ND 58103

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First Community Credit Union
4521 19th Ave S, Fargo, ND 58103
www.myfccu.com / 701.282.9011

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United Savings Credit Union
2401 45th Street SW, Fargo
ND 58104 / 701.356.0073
www.unitedsavingscu.org

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Freedom Community Credit Union
4248, 4505 47th Ave East
Fargo, ND 58104
www.freedomccu.com
701.551.1902

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Postal Family Federal CU
2730 12th Ave South, Fargo
ND 58103 / 701.232.6910
www.postalfamilyfcu.com

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FFE Federal Credit Union
657 2nd Ave North, Fargo
ND 58102 / ffe-fcu.org
701.235.1359

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Northland Educators Federal CU
1404 12th Ave North, Fargo
ND 58102 / www.myfccu.com
701.293.6132

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Fargo VA Federal Credit Union
2101 Elm Street N, Fargo
ND 58102 / www.fargovafcu.org
701.280.0870

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Bad Credit Loans in Fargo ND

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Fargo ND Lender Area Map

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Fargo ND Loan App Volume

Top 5 Fargo neighborhood loan app volume

  1. St. Mary's Cathedral Historic District
  2. Southpointe
  3. Roosevelt
  4. Stone Bridge
  5. Brunsdale

Fargo Theatre in Fargo North Dakota: Licensing

Fargo Bad Credit Consolidation

Joseph needs to borrow some money so he can go to the dentist. He has several credit cards, and was going to charge his dental bill to one of his credit cards, however they are all charged up to the max.

He has an appointment with the dentist next week and needs to figure out how he will pay the dentist before then.

He has not been able to pay off his credit cards over the past few months. There have been several large payments he needed to make and he just did not have the money to pay them, so they were charged to his credit card.

Bad timing and now he is faced with going to the dentist to have a root canal completed which will be expensive. He is in so much pain and just wants to get it done.

Joseph would like to consolidate his credit cards into one low interest loan and have sufficient funds left over to also pay his dental bill. He feels that if he is able to borrow $20,000, he will have enough to pay everything.

Although he is not sure about just how much the dental bill will be, his dentist has given him an estimate. Barring anything unforeseen, he will have enough to pay everything.

The loan would mean a payment for the next seven years, but he is desperate to do something. He really needs this root canal and he just cannot stand the pain any longer.

A $20000 loan with a seven-year term and 8.5% interest rate for Joseph would cost him the following per month:

Loan Amount (principal) = $20000
Interest Rate = 8.5%
Term Length = 7 year
Monthly Payment = $316.73
Total Paid Back = $26605.30
Total Interest = $6605.30

Fortunately for Joseph he was approved for his loan and he did see the dentist. His root canal was completed and it actually cost a little less than the estimate from the dentist.

This is unusual, since for most people it always seems to be more. Maybe he took pity on Joseph, after all he had been waiting to see him for so long.

He now has a low interest consolidation loan which he must pay each month. It will take seven years to pay for, but at least it is one payment and he can see a decline in the balance every month. Joseph has also learned a valuable lesson.

Everyone needs to have an emergency fund available to deal with the emergencies that always appear in our lives. Whether it is the dentist or being laid off, an emergency fund will help to get you through the rough spots and pay for those things that just cannot wait.

Sometimes the fund may not be large enough, but at least there was something there to help pay for whatever it is you need. Joseph has learned this lesson.

He is not only paying his loan each month, he is also trying to set aside a little bit of money each month to deal with whatever emergency comes his way next.

If you're living in Fargo like Joseph, 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 Fargo ND

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

Education Upgrades: College / University

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Fargo Credit Counseling

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Counselors contact us for listing removal or info change.

Fix My Credit
1930 Dakota Drive North, Fargo
ND 58102 / 701.203.2114

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Village Family Service Center
2311, 1201 25th Street South
Fargo, ND / 58103
www.thevillagefamily.org
855.476.1080

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Fargo Assistance Programs

Food Bank: Emergency Food Pantry / Address: 1101 4th Avenue North, Fargo, ND 58102 / Phone: 701.237.9337

Hot/Cold Meals: Great Plains Food Bank / Address: 1720 3rd Avenue North, Fargo, ND 58102 / Phone: 701.232.6219

Shelter In Case of Eviction: New Life Center / Address: 1902 3rd Avenue North, Fargo, ND 58102 / Phone: 701.235.4453

Social Assistance Programs: Cass County Social Services / Address: 1010 2nd Avenue South, #2, Fargo, ND 58103 / Phone: 701.241.5747

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Usury Law Governing Fargo 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 Fargo 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

Fargo 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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