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Wyoming Lenders > Casper

This page was last updated September 2018

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Fair Credit Lenders in Casper WY

Lenders: contact us for listing removal.

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WYO Central Federal Credit Union
190 S David St Casper
WY 82601 / www.wyocentral.org
307.234.5401

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Greater Wyoming Federal CU
155 W Collins Drive, Casper
WY 82601 / 307.234.5662
www.greaterwyomingfcu.com

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Families First Federal CU
770 E Collins Drive, Casper
WY 82601 / 307.265.1779
www.familiesfirstfcu.com

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WYHY Federal Credit Union
1521 Centennial Hills Blvd
Casper, WY 82609 / www.wyhy.org
307.234.2373

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Reliant Federal Credit Union
777 Landmark Drive, Casper
WY 82609 / www.reliantfcu.com
307.234.1429

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Western Vista Federal Credit Union
3401 Eagle Drive, Casper
WY 82604 / www.wvista.com
307.234.8194

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Pathfinder Federal Credit Union
400 E 1st St #100, Casper
WY 82601 / pathfinderfcu.com
307.234.4271

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Platte Valley Bank
3131 SW Wyoming Blvd, Casper
WY 82604 / www.pvbank.com
307.235.3400

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Hilltop National Bank
4085 CY Avenue, Casper
WY 82604 / 307.577.3585
www.hilltopnationalbank.com

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Jonah Bank of Wyoming
777 W 1st St Casper
WY 82601 / www.jonahbank.com
307.237.4555

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Bad Credit Loans in Casper WY

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

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Casper WY Lender Area Map

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Casper WY Loan App Volume

Top 5 Casper neighborhood loan app volume

  1. East 12th Street
  2. Maple Streetreet
  3. East Side
  4. River West
  5. Green Valley

America Theater in Casper Wyoming: Licensing/Credit

Casper Bad Credit Loan Example

Stephen is planning to purchase a used RV and consolidate a small amount of credit card debt at the same time. The RV is actually a small one, but it is a start for him.

He and his wife want to be able to travel and camp at local park grounds across the state and still have a little bit of luxury compared to camping in a tent.

His credit card debt is actually less than $2000, however if he purchases this RV, he knows he will have a few more expenses to complete some repairs and freshen up some of the features that comes with this particular RV.

Some of the cupboards need repairs, the engine needs a tune up and oil change, new tires and probably a new more modern fridge and cooktop. He is hoping to take possession in the next week or so and will have a better idea of what is actually needed.

At the moment he is asking for a $20000 loan with a term of fifteen years to spread the payments out and make it easier to afford on a monthly basis.

He is pretty good at repairs both auto and home style of repairs, so he expects this RV to maintain its value or perhaps even increase a little bit. He feels that this is such a good deal he cannot pass it up.

A $20000 loan with an fifteen-year term and 6.5% interest rate for Stephen would cost him the following per month:

Loan Amount (principal) = $20000
Interest Rate = 6.5%
Term Length = 15 year
Monthly Payment = $174.22
Total Paid Back = $31359.87
Total Interest = $11359.87

Vehicles all tend to depreciate over time, however RV's can reach a bottom point and as long as you do not over pay, your investment is somewhat protected provided that you maintain it and freshen it up as needed.

Owning an RV is also a lifestyle decision. Not everyone wants to vacation in an RV, but it is better than camping and appeals to people who like the great outdoors and want to get away from the city.

In Stephens case, he and his wife are planning to try this life style and decide if they actually enjoy it without spending too much money.

Stephen and his wife have a good credit score and will likely be approved for this loan. The RV is probably too old to be used as collateral for the loan.

If they can provide another asset that is acceptable as a security, he may be eligible for a lower interest loan. Most loans can be repaid early if desirable by Stephen and his wife.

This is important for them since; they are really testing whether the RV lifestyle is something they want to embrace. They may decide to upgrade to a larger more modern unit in several years or just sell it and move on to a different lifestyle.

Either way, this is an investment in an RV that will actually cost him as much as $31k if he keeps it the full 15 years. It may be time to trade up in a few years and recover his investment before interest costs are too high.

If you're living in Casper like Stephen, 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 Casper WY

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

Education Upgrades: College / University

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Casper Credit Counseling

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Counselors contact us for listing removal or info change.

Rapid Credit Repair
1122 N Park St, Casper, WY 82601
307.201.0674

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123 Credit & Debt Counseling
103 N Durbin St, Casper, WY 82601
307.266.9173

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Consumer Credit Counseling Services
235 S David St, Casper, WY 82601
307.237.2053


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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Casper Assistance Programs

Food Bank: Joshua's Distribution Center / Address: 334 South Wolcott Street, Casper, WY 82601 / Phone: 307.265.0242

Hot/Cold Meals: Christ First Baptist Church / Address: 900 North Grant Street, Casper, WY 82601 / Phone: 307.265.5711

Shelter In Case of Eviction: Wyoming Rescue Mission / Address: 230 North Park Street, Casper, WY 82601 / Phone: 307.265.2251

Social Assistance Programs: Family Service Department / Address: 851 Werner Court #200, Casper, WY 82601 / Phone: 307.473.3900
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Usury Law Governing Casper WY

Summary of Wyoming Usury Law(s) / Quote: "Legal: 7% / Contract: As per Wyoming UCC / Judgment: Contract rate or 10% / Corporate: Rate not specific (read more on Wyoming lending laws)

Complaint process for Casper residents:

Wyoming Division of Banking / Wyoming Complaint Process

Physical Address: Wyoming Division of Banking / Herschler Building, 3rd Floor West, 122 West 25th Street, Cheyenne, WY 82002 / Phone: 307.777.7797 Fax: 307.777.3555 / Email: wyomingbankingdivision@wyo.gov

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WFL Loan Products

Casper 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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