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Nevada Lenders > Henderson

This page was last updated September 2018

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Fair Credit Lenders in Henderson NV

Lenders: contact us for listing removal.

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Credit Union 1
382 W Lake Mead Pkwy #130 Henderson
NV 89015 / www.creditunion1.org
800.252.6950

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One Nevada Credit Union
1090 W Sunset Rd Ste B, Henderson
NV 89014 / www.onenevada.org
702.457.1000

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America First Credit Union
370 N Stephanie St, Henderson
NV 89014 / www.americafirst.com
702.968.1100

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Silver State Schools Credit Union
683 N Stephanie St, Henderson
NV 89014 / www.silverstatecu.com
800.357.9654

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InTouch Credit Union
4299 E Sunset Rd, Henderson
NV 89014 / www.itcu.org
800.337.3328

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Clark County Credit Union
1425 E Windmill Ln, Las Vegas
NV 89123 / www.ccculv.org
702.228.2228

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Navy Federal Credit Union
671 Mall Ring Cir #100, Henderson
NV 89014 / www.navyfederal.org
888.842.6328

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High Risk CC
2360 Corporate Cir #400, Henderson
NV 89074 / highriskcc.com
855.886.2822

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Nevada State Bank
1460 S Boulder Hwy, Henderson
NV 89015 / www.nsbank.com
702.706.9150

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Wells Fargo Bank
112 S Water St Henderson
NV 89015 / www.wellsfargo.com
702.564.4489


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Bad Credit Loans in Henderson NV

Fast Loan Pre-App Method
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Henderson NV Lender Area Map

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Henderson NV Loan App Volume

Top 5 Henderson neighborhood loan app volume

  1. River Mountain
  2. McCullough Hills
  3. Stags Leap
  4. MacDonald Ranch
  5. Victory Village

Downtown Henderson Nevada: Licensing

Henderson Bad Credit Loan Example

Marsha is another applicant who wanted to consolidate a relatively small amount at $10000. If you've ever tried to consolidate an amount this low you'll know that it's not that easy.

It's especially not easy when you're credit rating is low. In this Marsha was in the 580-600 FICO range. This is considered a low score by every lender we've ever come across.

If you're credit score is in this range, and you've been trying to get approved, you'll know full well how difficult that can be.

Her is the basic layout of Marsha's debts. Two of them in her case were credit cards. Walmart shoppers card, and her Visa. She owed $1400 on the Visa, and $2600 on the Walmart card.

The last $6000 dollars is just a personal loan that Marsha still had from the last time she got a loan to clear off debt. Below we've included the interest rates as well.

$1400 Visa card @ 21.53%
$6000 Personal loan @ 12.1%
$2600 Walmart card @ 22%

Once again, it's important to note that your local bank branch is not likely to approve a loan like this. First, it's to small for them, and second, credit scores this low don't have much chance of approval unless there is a solid asset securing the note.

• Debt Consolidation Amount = $10000
• Interest Rate = 10.13%
• Term Length = 1
• Monthly Payment = $879.76
• Total Paid Back = $10,557.16
• Total Interest = $557.16

Above we see the actual breakdown of the principal on Marsha's final loan approval. A principal of $10000 dollars at an interest rate of 10.13% for one year comes to $879.76 before fees. We don't know what her lender charged her in fees.

Nation wide lender @ 12.10%
Nevada lender @ 11.34%
Local Henderson lender @ 10.13%

Finding a lender willing to look at Marsha's application wasn't a problem, but only 3 lenders out of 554 possible lenders emailed her back after she submitted her heartfelt request.

Nobody wants to pay over 10% for any loan, but for Marsha this was a better deal than the original interest rates. It comes down to just a point or two.

One of the biggest things for Marsha is she wanted to pay just one lender. She didn't want to have to deal with three different creditors. Different emails, different mail to send off, etc.

Sometimes borrowers are willing to accept an almost identical rate if it means an easier and more simplified payment process. Not really a great idea. It's my opinion that you shouldn't enter into another loan agreement unless you've done your homework already.

What I mean by homework is creating an extremely real to life budget. A budget that takes into account the exact amount of money you need to spend each year.

I always say a year instead of a month. The reasons is there are many expenses that just get billed each year. So if you want to budget on a monthly basis don't forget to include the yearly expenses by dividing them by 12.

Once your budget is perfect and you know (almost to the penny) what your costs are, burn that number into your brain.

Then look at your total income and see if you're actually getting by. You would be surprised at how many people are surprised when they see the real numbers finally in front of them.

Unless you have a realistic plan going forward don't bother with a consolidation loan. You'll just end up getting approved and start spending on credit again. We see this time and time again.

Do you live in the Henderson Nevada and need a debt consolidation loan? I hope our website can help in some way to find a decent interest and terms even if you have a bad credit score.

Sincerely,

Chris Somerset

Chris Somerset is a writer for the WFL Project.

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Upgrades Nearest Henderson NV

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

Education Upgrades: College / University

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Henderson Credit Counseling

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Counselors contact us for listing removal or info change.

eCreditAdvisor
375 N Stephanie St #711/A Henderson
NV 89014 / www.ecreditadvisor.com
800.693.9622

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Community Credit Repair
209 S Stephanie St. Suite B/247, Henderson
NV 89012 / www.communitycreditrepair.org
702.591.4933

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Alliance Credit Restoration
2471 W Horizon Ridge Pkwy, Henderson
NV 89052 / 702.834.8150

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Henderson Assistance Programs

Food Bank: Society of St. Vincent de Paul / Address: 7504, 204 South Boulder Highway, Henderson, NV 89015 / Phone: 702.877.9500

Hot/Cold Meals: Not by Bread Alone / Address: 1776 West Horizon Ridge Parkway, Henderson, NV 89012 / Phone: 702.997.2467

Shelter In Case of Eviction: The Salvation Army Henderson / Address: 830 East Lake Mead Parkway, Henderson, NV 89015 / Phone: 702.565.9578

Social Assistance Programs: DWSS Henderson District Office / Address: 520 South Boulder Highway, Henderson, NV 89015 / Phone: 702.486.1001

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Usury Law Governing Henderson NV

Summary of Nevada Usury Law(s) / Legal: Nevada legal rate and judgment rates are 2% over prime rate at largest bank in state on January 1 or July 1 immediately preceding judgment / Contract: Any rate agreed to / Judgment: See legal rate / Corporate: Any rate (read more on Nevada lending laws)

Complaint process for Henderson residents:

Nevada Department of Business & Industry / Nevada Complaint Process / Nevada Complaint Form (PDF)

State of Nevada Department of Business and Industry / Attn: Financial Institutions Division / 3300 W Sahara Avenue Suite 250, Henderson, NV 89102 / Phone: 702.486.4120 Toll free: 866.858.8951 Fax: 702.486.4563 / Email: FIDMaster@fid.state.nv.us

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WFL Loan Products

Henderson 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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