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This page was last updated July 2018

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Fair Credit Lenders in Grand Prairie TX

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Grand Prairie Credit Union
209 N Center Street
Grand Prairie, TX 75050
www.gpcreditunion.org
972.262.7935

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Texas Trust Credit Union
2990 State Hwy 161
Grand Prairie, TX 75052
www.texastrustcu.org
972.263.5171

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Neighborhood Credit Union
(near Grand Prairie)
321 E Sublett Road
Arlington, TX 76018
www.myncu.com
214.748.9393

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Guardian First FCU
(near Grand Prairie)
7 Carlson Court #B
Fort Worth, TX 76119
www.g1fcu.com
817.534.8707

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NRCS Credit Union
(near Grand Prairie)
501 W Felix Street #24
Fort Worth, TX 76115
www.nrcscreditunion.org
817.921.9302

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Neighborhood Credit Union
(near Grand Prairie)
13651 Montfort Drive
Dallas, TX 75240
www.myncu.com
214.748.9393

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Chase Bank
3980 S Carrier Parkway
Grand Prairie, TX 75052
locator.chase.com
972.264.3416

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Bank of America Financial Center
2405 I-20, Grand Prairie, TX 75052
locators.bankofamerica.com
972.352.4010

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Woodforest National Bank
2225 I-20 Frontage Road
Grand Prairie, TX 75052
www.woodforest.com
972.641.8125

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First Convenience Bank
313 E Pioneer Parkway
Grand Prairie, TX 75051
www.1stcb.com
254.554.6699

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Bad Credit Loan Form: Grand Prairie TX

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Grand Prairie TX 5x5 Loan App Volume

Top 5 Grand Prairie neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated Monthly. See all Texas personal loan volume data.

  1. Burbank Gardens
  2. Garden Manor
  3. Enchanted Estates
  4. Royal Valley Estates
  5. Alta Hill

Fair Credit Loan in Grand Prairie TX

Jim needs to replace his old failing pickup truck. It is on its last legs and either he spends quite a bit on repairs or he buys another used pickup truck that is in better shape.

His existing truck has over 200000 miles on it which is huge for a truck that has bounced around construction sites and cow pastures.

He will probably have to spend over four grand just to keep it roadworthy. If he can find another truck he will keep the old one to use on the farm for various jobs until it will not run any longer.

He has seen a truck with low mileage that would meet all his needs. The seller wants $6500 for it and Jim figures that with another $500 for new tires and a rear cab, he will be all set.

It is available now and has just recently been safety checked so he knows it is in good shape. The problem for Jim is that he does not have the cash on hand that he needs to buy the truck and needs a loan to enable the purchase.

A $7000 loan with a four-year term and 9% interest rate for Jim would cost him the following per month:

• Loan Amount (principal) = $7000
• Interest Rate = 9%
• Term Length = 4 year
• Monthly Payment = $174.20
• Total Paid Back = $8361.37
• Total Interest = $1361.37

Even at a rate of 9% for a loan, the monthly payments on this truck will only be $174 a month. Jim thinks that he can easily repay the loan in two years which will save him the additional interest costs. It would probably reduce his total interest charges by half.

Jim has an ok credit rating. If his credit score were better, he might qualify for a lower interest rate. Once the truck has been appraised and if it is worth $7000, he can use it as collateral and perhaps qualify for a lower interest rate as well. Either way he is comfortable with this rate since he plans to repay the loan quickly.

Jim works in the oil industry and gets lots of overtime. He also owns a farm and runs the farm with the help of his family.

Between them they make sufficient money to buy a brand new truck, however Jim likes to avoid spending money when he does not need to.

He would rather purchase a used vehicle and avoid the rapid depreciation that comes with new trucks or cars.

He has savings sufficient to pay for this vehicle, however it is well invested and he feels that he is better off to borrow the money and leave his savings as is.

For Jim, this approach makes a lot of sense. Once the money is gone, it is really difficult to save it up again. A loan like this one for Jim is akin to forced saving. He will be motivated to repay the loan as quickly as he can to avoid paying any more interest than needed.

Jim is enjoying his new truck and the kids are having a ball with the old one driving it around the farm.


If you live in Grand Prairie TX and you need a loan regardless of a bad credit rating we hope our website helps you in some way.

Sincerely,

Lance Somerset

Lance Somerset founded the We Find Lenders Pool. He writes for WFL on rare occasions just for the fun of it, and to stay current with the content on our website. His son Andy and daughter Chris handle most of the research and writing.

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Employment & Education Advancement Opportunities in Grand Prairie TX

If you live in Grand Prairie and you're struggling to make ends meet, you may want to consider these ideas.

Job Upgrade: Indeed / Monster

Education Advancement: College / University

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Credit Counseling In Grand Prairie TX

Credit Advisors Council
2304 Bardin Rd Suite 200
Grand Prairie, TX 75052
www.creditadvisorscouncil.com
469.275.1070

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AMB Credit Consultants
3102 Maple Street #450
Grand Prairie, TX 75051
972.375.2950

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Mr. Credit Solutions
2100 N State Highway 360 - #1203
In DFW Corporate Park
Grand Prairie, TX 75050
www.mrcreditsolutions.com
817.200.7595

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Omega Credit Services
2100 S Great SW Parkway
Grand Prairie, TX 75051
214.602.8405

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Usury and Regs. For Grand Prairie TX

Usury Law(s) pertaining to Grand Prairie TX / Legal: 6% Contract: Limit is calculated as per the median (avg.) twenty-six month United States T-Bill amounts times two. However, it can't be lower than eighteen percent or over twenty-four percent. Judgment: calculated as per the fifty-two week T-Bill but never less than five percent or higher than twenty percent. Complete usury law for Texas see §306 and §303 / for Texas residents with bad credit or fair credit who want to submit a loan application

If you believe any Grand Prairie Texas based lender is using predatory lending tactics, you can file a complaint:

Texas Department of Savings and Mortgage and Lending / Physical mailing address is 2601 N. Lamar, Suite #201, Austin, TX 78705 / Toll free: 1-877-276-5550 / Fax: 512-936-2003 / Online complaint form
/ See full list of ways to file a complaint against a lender in Texas

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WFL Loan Product Menu

  • Bad credit scores below FICO 650
  • 200+ lenders review your pre-application(s)
  • Applying does not worsen your credit score
  • Interest rates starting as low as 9% (cs)
  • Collateral not always required
  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
  • Borrow between $500 and $50,000
  • Loans for people with 650+ credit scores
  • 500+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Fast approvals and fast funding
  • Line of credit approvals with reasonable APR
  • Borrow between $500 and $150,000
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  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
  • Seamless approval and funding process
  • Debt relief counseling available
  • Borrow form $5000 - $150,000

 

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