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This page was last updated November 2018

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Fair Credit Lenders in Cheyenne WY

Lenders: contact us for listing removal.

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First Cheyenne Federal Credit Union
3485 Converse Avenue Cheyenne
WY 82001 / firstcheyenne.com
307.632.8111

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Blue Federal Credit Union
114 E 7th Avenue, Cheyenne
WY 82001 / www.bluefcu.com
800.368.9328

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Western Vista Credit Union
1215 Storey Blvd, Cheyenne
WY 82009 / www.wvista.com
307.634.2197

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First Education Federal Credit Union
120 W Carlson Street, Cheyenne
WY 82009 / www.firstedfcu.com
307.432.7400

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Shyann Federal Credit Union
308 W 21st St #114, Cheyenne
WY 82001 / www.shyannfcu.com
307.632.1226

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Meridian Trust Federal Credit Union
2223 Warren Avenue, Cheyenne
WY 82001 / 307.635.7878
www.mymeridiantrust.com

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WyHy Credit Union
1715 Stillwater Avenue, Cheyenne
WY 82009 / www.wyhy.org
800.442.2392

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Unified People's Federal CU
414 E 18th Street, Cheyenne
WY 82001 / 307.632.1476
www.unifiedpeoplesfcu.org

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Jonah Bank of Wyoming
2015 Central Avenue, Cheyenne
WY 82001 / www.jonahbank.com
307.773.7850

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Firstier Bank of Cheyenne
1508 Stillwater Avenue #B Cheyenne
WY 82009 / www.firstierbanks.com
307.632.3500

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Bad Credit Loans in Cheyenne WY

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Learn about GAP (Gift Angel Program)

 

Cheyenne WY Lender Area Map

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Cheyenne WY Loan App Volume

Top 5 Cheyenne neighborhood loan app volume

  1. Cimarron Estates
  2. Granite Springs Retreat
  3. Stanfield Avenuenue
  4. Sun Valley
  5. Powderhouse East

Lincoln Theater in Cheyenne Wyoming: Licensing/Credit

Cheyenne Bad Credit Loan Example

Luis is looking for a simple consolidation loan to help him reduce his monthly payments and reduce the total amount of interest he is paying to his credit card companies.

He fell into the trap of charging everything to multiple credit cards and before he knew what was happening, the balances were too high for him to repay on the due date.

As soon as he did not pay the total amount in full, interest was charged on the total balance from the date the item was charged to his account.

Most people do not realize that the credit card companies charge interest on the total from the date the item was charged to the card. Interest can add up really quickly when this occurs and suddenly you are paying interest on top of interest.

The rates on most over due balances for credit cards is 19% and store credit cards are even higher with some around 29%. That is a lot of money to pay and Luis has realized he better do something quickly to avoid paying a lot of interest.

Luis also needed some cash one day and either by accident or by intention took a cash advance from his credit card. Many people also do not realize that interest is billed immediately on all cash advances for credit cards.

Now he is paying interest on the total amount and he is not very happy. He knows that he must get his spending under control, but right now he just wants a consolidation loan so he can reduce his interest costs.

He has applied for a ten thousand dollar loan with a 5 year term, although he hopes to repay the loan more quickly than the full five years.

A $10k loan with a five-year term and 7% interest rate for Luis would cost him the following per month:

Loan Amount (principal) = $10000
Interest Rate = 7%
Term Length = 5 year
Monthly Payment = $198.01
Total Paid Back = $11880.72
Total Interest = $1880.72

At just under $200 a month for the loan, Luis has applied for, it is quite affordable for him. He has no other loans or debt once he repays all of the debt on his credit cards with the proceeds from this loan.

He still lives at home and has very little in the way of expenses, so he expects to repay the loan very quickly.

Luis also knows that he has to get his use of credit cards under control. He does not want to fall into the same situation he is in now in a few months.

He does not want to have to apply for another loan. He has decided to leave several of his credit cards at home in his desk. He will just use one and always pay the full balance on the due date.

As further protection for him he plans to use the card with the lowest approval limit, which is $2000. This is pretty low for most people, but it will stop him from spending too much.
With this plan Luis should be ok for the future and avoid needing another consolidation loan in the future.

If you're living in Cheyenne like Luis, 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 Cheyenne WY

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

Education Upgrades: College / University

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Cheyenne Credit Counseling

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Counselors contact us for listing removal or info change.

New Leaf Financial
1712 Pioneer Avenue Cheyenne
WY 82001 / newleafusa.com
800.357.4200

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Kaydem Credit Help
1620 Central Avenue, Cheyenne
WY 82001 / kaydemcredithelp.com
866.237.0013

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Dispute It!
1621 Central Avenue, Cheyenne
WY 82001 / disputeitcredit.com
888.855.6526

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Cheyenne Assistance Programs

Food Bank: Needs Food Bank / Address: 900 Central Avenue, Cheyenne, WY 82007 / Phone: 307.632.4132

Hot/Cold Meals: Comea Shelter / Address: 1504 Stinson Avenue, Cheyenne, WY 82001 / Phone: 307.632.3174

Shelter In Case of Eviction: Wyoming Coalition for the Homeless / Address: 907 Campbell Avenue, Cheyenne, WY 82001 / Phone: 307.634.8499

Social Assistance Programs: Laramie County WIC Program / Address: 1307 Crook Avenue, Cheyenne, WY 82001 / Phone: 307.634.6180

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Usury Law Governing Cheyenne 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 Cheyenne 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

Cheyenne 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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