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This page was last updated September 2018

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Fair Credit Lenders in Las Vegas NV

Lenders: contact us for listing removal.

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One Nevada Credit Union
853 S Rainbow Bouelvard Las Vegas
NV 89145 / www.onenevada.org
702.457.1000

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Clark County Credit Union
709 Shadow Ln, Las Vegas
NV 89106 / www.ccculv.org
702.228.2228

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WestStar Credit Union
100 S Valley View Bouelvard
Las Vegas, NV 89107 / 702.791.4777
www.weststar.org

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Plus Credit Union
1900 S Jones Bouelvard, Las Vegas
NV 89146 / www.pluscu.org
702.871.4746

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InTouch Credit Union
7676 W Lake Mead Bouelvard
Las Vegas, NV 89128 / www.itcu.org
800.337.3328

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Mountain America Credit Union
7280 W Lake Mead Bouelvard
Las Vegas, NV 89128 / www.macu.com
702.251.5750

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SCE FCU / Sahara Branch
6475 W Sahara Ave, Las Vegas
NV 89146 / www.scefcu.org
800.866.6474

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UNIFY Financial Credit Union
7985 W Sahara Ave, Las Vegas
NV 89117 / www.unifyfcu.com
877.254.9328

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America First Credit Union
3846 W Sahara Ave, Las Vegas
NV 89102 / www.americafirst.com
702.968.1100

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Silver State Schools Credit Union
2256 S Nellis Bouelvard Las Vegas
NV 89156 / www.silverstatecu.com
800.357.9654

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Bad Credit Loans in Las Vegas NV

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

Learn about GAP (Gift Angel Program)

 

Las Vegas NV Lender Area Map

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Las Vegas NV Loan App Volume

Top 5 Las Vegas neighborhood loan app volume

  1. Silverado Estate
  2. El Mar Plaza
  3. Francisco Park
  4. Royal Crest Rancheros
  5. Granbilt

Caesers Palace Las Vegas Nevada: Licensing

Las Vegas Bad Credit Loan Example

Jack's construction business is doing really well, so much so that he is considering adding another crew along with a backhoe.

He has sufficient contracts and cash flow to support adding another crew member or two with a truck and trailer, however when it comes to the cost of the backhoe he is coming up short.

Backhoe's range in price from $85 thousand to as much as a $150000. He is looking at one that should cost him approximately $95000. He has $25000 in cash that he can put towards the purchase.

He has a problem. Both Jack and his business suffer from bad credit ratings. Prior to his current success, business was slow. He had a tough time paying suppliers and even his men.

Fortunately, they stuck with him and he has the same bunch of guys working with him now. They are experienced and know what they are doing.

They know how to run the equipment and they treat them well which cuts down on repairs substantially.

But the bottom line is that he needs to borrow $70000 to enable purchase of another machine. With a bad credit rating he is finding it difficult to find a lender willing to approve his loan.

Even with dealer financing plans, they are telling him he is still too much of a risk to consider. Small business has a notoriously difficult time borrowing money even when their credit scores are excellent.

Jack is trying to decide what he should do and in the mean time he may just rent a machine to enable him to take on more contracts.

A $70000 loan with a 25 year term 5.6% interest rate for Jack would cost him the following per month:

Loan Amount (principal) = $70000
Interest Rate = 5.6%
Term Length = 25 year
Monthly Payment = $434.05
Total Paid Back = $130215.48
Total Interest = $60215.48

He has asked for a loan to be spread over 25 years. For a loan of this type lenders will want something much shorter in the range of 10 years and they will also use his backhoe as security for the loan.

The monthly payment will probably double, however this should really not be a problem if he has the cash flow from contracts to support it.

Renting a backhoe along with an operator can be a viable alternative. He will not need to be concerned about maintenance, wages etc.

He just needs to pay the rental fee based on a daily basis which will be tied closely to contracts that he takes on. But renting equipment also comes with it's own problems.

Equipment and operators are not always available when you need them. Construction activity is quite busy at the present time and sometimes you have to wait a few days before equipment can be available.

Both scenarios come with their own set of problems. Jack would prefer to have his own equipment and for that he needs a loan of $70000 approved.

He is prepared to provide whatever documentation is needed to support his loan application. He will continue to work to find a lender who is willing to provide him with a loan. He has great faith in his abilities to sell his business success and convince lenders that he is now a much better risk than he was a few years ago.

If you're living in Las Vegas like Jack, 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 Las Vegas NV

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

Education Upgrades: College / University

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Las Vegas Credit Counseling

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Counselors contact us for listing removal or info change.

Fast Credit Solutions
1550 E Sahara Ave Las Vegas
NV 89104 / 702.541.8215
www.fastcreditsolutions.net

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Vivix Credit Solutions
7795 W Sahara Ave #101A
Las Vegas, NV 89117
702.434.4414
gabrielebrown.com

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BeyCa Credit Repair
1805 S Eastern Ave, Las Vegas
NV 89104 / www.beycacredit.com
702.299.5048

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Las Vegas Assistance Programs

Food Bank: Three Square / Address: 4190 North Pecos Road, Las Vegas, NV 89115 / Phone: 702.644.3663

Hot/Cold Meals: Las Vegas Rescue Mission / Address: 480 West Bonanza Road, Las Vegas, NV 89106 / Phone: 702.382.1766

Shelter In Case of Eviction: Family Promise of Las Vegas / Address: 1410 Maryland Parkway, Las Vegas, NV 89104 / Phone: 702.638.8806

Social Assistance Programs: Clark County Social Services / Address: 1600 Pinto Ln, Las Vegas, NV 89106 / Phone: 702.455.42

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Usury Law Governing Las Vegas 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 Las Vegas 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, Las Vegas, 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

Las Vegas 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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