Chesapeake VA
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This page was last updated January 2019

Commentary for informational purposes only. See disclaimers here.

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Fair Credit Lenders in Chesapeake VA

Lenders: contact us for listing removal.

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NAE Federal Credit Union
755 N Battlefield Blvd #0, Chesapeake
VA 23320 / www.naefcu.org
+1 757-410-2000

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BayPort Credit Union
677 N Battlefield Blvd, Chesapeake, VA 23320
www.bayportcu.org
+1 757-928-8850

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Langley Federal Credit Union
2621 Taylor Rd, Chesapeake, VA 23321
www.langleyfcu.org
+1 757-827-5328

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ABNB Federal Credit Union
701 Eden Way N, Chesapeake, VA 23320
www.abnbfcu.org
+1 757-523-5300

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Chartway Federal Credit Union
1405 Stephanie Way, Chesapeake, VA 23320
www.chartway.com
+1 800-678-8765

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Northern Star Credit Union
5100 George Washington Hwy N, Portsmouth
VA 23702 / www.nstarcu.org
+1 757-487-3474

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First Virginia
4411 Indian River Rd, Chesapeake, VA 23325
ccfi.com
+1 757-938-9933

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Super Credit
2653, 1450 S Military Hwy, Chesapeake
VA 23320 / www.supercreditcarloan.com
+1 757-377-5003

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Bad Credit Loans in Chesapeake VA

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

Learn about GAP (Gift Angel Program)

 

Chesapeake VA Lender Area Map

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Chesapeake VA Loan App Volume

Top 5 Chesapeake neighborhood loan app volume

  1. South Norfolk Historic District
  2. Pleasant Grove
  3. Camelot
  4. Greenbrier
  5. Western Branch
Chesapeake Ship: Licensing/Credit

Chesapeake Loan Example

Chris and his wife live in Chesapeake Virginia, and they're updating their bathroom. They are replacing all of the fixtures, changing the toilet, replacing the tub with a walk in shower and installing a new vanity.

The floor is going to be heated with new ceramic tile on top. He has already started purchasing some of the materials for his project. He is trying to take advantage of sales and so far has spend almost $8500.

He has charged it all to his credit card and just received the statement. He has another 20 days or so to pay the balance in full before interest charges kick in.

His contractor is also going to start the work next week. Chris is saving a lot of money on this project. He is doing all of the demolition work himself so the contractor can just focus on installing the new bathroom.

Even with all of the savings on materials and with Chris doing the demolition, work, he figures it will cost him another $6500 to complete the project. In fact, he is worried about his budget of $15,000 in total for the project being surpassed.

It is actually quite common to find either surprises or add extra features that drive the price of the contract up.

Although this is not technically a consolidation loan, Chris found that he can get a better rate and terms by taking advantage of some of the consolidation loan products offered by various lenders.

A $15000 consolidation loan with a six-year term and 8% interest rate for Chris would cost him the following per month:

• Loan Amount (principal) = $15000
• Interest Rate = 8%
• Term Length = 6 year
• Monthly Payment = $263.00
• Total Paid Back = $18935.90
• Total Interest = $3935.90

Chris was easily approved for his loan and can now proceed with the bathroom project. If he needs additional money to handle unforeseen items or a bit of scope creep, he has some savings he can draw on. He was pretty confident that he would be able to handle any additional cost for this project.

The bathroom is almost completed and he and his wife are pretty happy with the work the contractor is doing. In fact, Chris also pitched in to help and they were able to save quite a bit on the labor. The contractor is expected to finish the project earlier than planned as well.

They will make their first monthly payment in a few days and Chris plans to use the money they saved on the project to make a larger than planned first monthly payment.

This will mean that they pay less interest over the life of the loan and pay it off more quickly as well. He is hoping that he can pay this loan off in full within four years instead of the agreed to six years.

They have more plans for their home and want to be able to borrow again at that time. He is making sure that they maintain a good credit score so he can obtain the best rates.

If you're living in Chesapeake like Chris, 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 Chesapeake VA

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

Education Upgrades: College / University

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Chesapeake Credit Counseling

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Counselors contact us for listing removal or info change.

SOS Credit Solutions
2006 Old Greenbrier Rd, Chesapeake, VA 23320
soscreditsolutions.com
+1 757-356-5756


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Lovely Credit
809 Live Oak Dr #10, Chesapeake, VA 23320
+1 757-772-1177

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Virginia Credit Restoration
900 Commonwealth Pl #228, Virginia Beach
VA 23464 / +1 757-419-5233

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Chesapeake Assistance Programs

Food Bank: Foodbank of Southeastern Virginia and the Eastern Shore / Address: 800 Tidewater Drive, Norfolk, VA 23504 / Phone: 757.627.6599

Hot/Cold Meals: Oasis Social Ministry / Address: 800 Williamsburg Avenue, Portsmouth, VA 23704 / Phone: 757.397.6060

Shelter In Case of Eviction: The Union Mission Ministries / Address: 5100 East Virginia Beach Boulevard, Norfolk, VA 23502 / Phone: 757.627.8686

Social Assistance Programs: The Union Mission Ministries / Address: 5100 East Virginia Beach Boulevard, Norfolk, VA 23502 / Phone: 757.627.8686

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Usury Law Governing Chesapeake VA

Summary of Virginia Usury Law(s) / Legal: 6% / Contract: 12%; any rate on non-agricultural loans / Judgment: 6% / Corporate: No special rate (read more on Virginia lending laws)

Complaint process for Chesapeake residents:

Commonwealth of Virginia State Corporate Commission: Bureau of Financial Institutions / Virginia Complaint Process / Compaint form PDF for download

Virginia Bureau of Financial Institutions / Mailing Address: Post Office Box 640, Richmond, VA 23218-0640 / Phone: 804.371.9657 Fax: 804.371.9416 Website: www.scc.virginia.gov/bfi Physical Address: 1300 East Main Street, Suite 800, Richmond, VA 23219

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WFL Loan Products

Chesapeake 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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