Fair to Bad Credit Loans in NE

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Last updated on August 19, 2018

Commentary is for informational purposes only. See legal disclaimers here.

Daily NE Borrower Credit Scores

Last 10 borrowers applying for a loan out of Nebraska had the following credit scores. Source: WFL Lender Pool. Updated daily. FICO scores based on avg. from Transunion, Experian, and Equifax.

409 575 594 413 528 400 559 420 552 667

Nebraska APR Reports (?)
Enter zip and your 3 digit credit score.

Nebraska Usury and Regulations

Summary of Nebraska Usury Law(s) / Quote: "Legal: 6% / Contract: 16%; any rate for corporate loans and loans over $25,000 / Judgment: Nebraska judgment rate is 1% over average U.S. 52 week Treasury bill equivalent on date of judgment or as specified by law or by agreement / Corporate: Any rate"

(WeFindLenders.com endeavors to include the most up to date legal data for Nebraska, but no guarantee or warranty of any kind is expressed or implied as to the accuracy of said data. This data is not intended to be legal advice. For legal help speak with a lawyer in Nebraska, and/or contact the Nebraska State government's division of banking and finance - legal statutes researched by FindLaw.com & American Lawyers Quarterly - see credits)

Nebraska Usury Law Information:

Legal Maximum Interest Rates: Quote: "Up to 16% for contract (§45-101.03); otherwise legal rate, 6% (§45-102)"

Usury Penalties: Quote: "Only principal recoverable (§§45-105, 1Accor10); principal plus interest not exceeding legal contract rate (45-110)"

Judgment Interest Rates: Quote: "1% above bond equivalent yield; rate of contract; or specifically provided by law (§45-103)"

Legal Exceptions: Quote: "Loans by (DOB) Department of Banking, loan to any corporation; principal over $25,000; loan guaranteed by state/federal government on securities, open credit accounts; savings and loans; business or agricultural purpose loans; installment contract for goods and services; loan to any corporation, partnership or trust (45-101.04)"

Nebraska Lenders By City

Omaha NE / Lincoln NE / Grand Island NE / Kearney NE / Hastings NE / Norfolk NE / North Platte NE

Complaints to:

Nebraska Department of Banking and Finance / Nebraska Complaint Process / Nebraska Complaint Form (PDF)

Physical address: Nebraska Department of Banking & Finance / Financial Institutions Attn: Complaints, P.O. Box 95006, Lincoln, Nebraska 68509-5006 / Phone: Financial Institutions Division 402.471.2171 / Consumer Hotline: 877.471.3445

Nebraska Lender Service Areas Map

Nebraska Bad Credit Lenders Map - Initial Static Image

Click or tap map image above for interactive version.
Lenders
contact us for listing removal or amendment.


Omaha Federal Credit Union
3001 S 82nd Ave, Omaha, NE 68124
www.omahafcu.org
402.399.9001

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Metro Credit Union
14509 F St, Omaha, NE 68137
www.metrofcu.org
402.551.3052

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SAC FCU Branch at Cass St.
7910 Cass St, Omaha, NE 68114
www.sacfcu.com
402.514.4970

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Lincoln Federal Credit Union
4638 W St, Lincoln, NE 68503
www.linconefcu.org
402.441.3555

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First Lincoln Federal Credit Union
5730 R St, Lincoln, NE 68505
www.firstlincoln.org
402.466.4040

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University of Nebraska FCU
1720 P St, Lincoln, NE 68508
nufcu.org
402.472.2087

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North Platte Union Pacific Employee CU
420 W Rodeo Rd Ave, North Platte
NE 69101 - 308.532.4426
www.upemployeescu.com

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Centris Federal Credit Union
902 S Jeffers St, North Platte
NE 69101 - 308.534.4280
www.centrisfcu.org

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Nebraska Energy Federal Credit Union
1414 15th St, Columbus, NE 68601
www.ne-fcu.org
402.563.5900

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Dale Employees Federal Credit Union
1122 23rd St, Columbus, NE 68601
www.dalecu.com
402.563.6207

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University of Nebraska FCU
1720 P St, Lincoln, NE 68508
nufcu.org - 402.472.2087

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Nebraska Energy FCU
1414 15th St, Columbus, NE 68601
www.ne-fcu.org
402.563.5900

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Bad Credit Loan Form for Nebraska

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

Learn about GAP (Gift Angel Program)

 

Signature Loan In Nebraska

Peter is moving to a new job and needs a small loan to cover his moving costs and to purchase a few items that he would like to have in his new place.

His new job pays almost double what he is currently making, so it is definitely worth it for him to move and take on this journey in his life.

It will be the first time he will live away from where he grew up and he is really looking forward to it.

He was living in a small rental apartment and does not have much in the way of furniture, so he wants to rent a larger place and buy some furniture.

Peter also needs to be able to pay the first and last month rent, which he does not have at the moment. He was not able to save anything from what he made on his last job so he has nothing to put towards the rent.

He was living pay check to pay check which is difficult especially if you have some kind of emergency expense related to health, job loss or other expense.

With his new job he hopes to be able to save something to cover emergencies.

He needs this loan approved in a few days so that he can confirm the apartment he wants to rent. He is still going to take the new job and may have to live in a motel until he can find something he can afford.

This is not his first choice obviously; however, he knows it will be difficult for a few months until he receives his first pay check.

He needs $2500 and wants to repay it over a one year term.
A $2500 loan with a 1 year term 4.75% interest rate for Peter would cost him the following per month:

• Loan Amount (principal) = $2500
• Interest Rate = 4.75%
• Term Length =1 year
• Monthly Payment = $213.73
• Total Paid Back = $2564.79
• Total Interest = $64.79

Peter has no other debts at this time and he has an ok credit score.

He should be approved for this loan request. It is relatively small and he has a good record of paying rent etc. lenders will need a letter or something from his employer indicating he actually has a job at the salary he has indicated.

Often they will ask for a copy of a pay stub to confirm income levels. He has not started his job yet and has nothing to show that he is actually employed or what he will be making.

Once this information is provided he should be able to be approved for the loan and confirm the apartment he wants to rent.

They are holding it for him for a couple of days, however after that there is a list of people who are interested in the apartment and he has to move quickly if he wants this particular one.

Looks like Peter is going to drastically improve his life with a huge increase in income.

If you live in the State of Nebraska and you're struggling to get a loan approval with a bad credit rating we hope our website helps you in some way.

Sincerely,

Chris Somerset

Chris Somerset is the daughter of Lance Somerset who founded the We Find Lenders Pool. She contributes to WeFindLenders.com whenever she's not having fun with her three children and her husband Ron.

Debt Consolidation Loans in NE

Last 5 debt service loans approved in the State of Nebraska. Source: WFL Lender Pool. Updated daily. Principals rounded to the nearest $1000. Relative interest rates listed below in order left to right.

$8000 $60000 $9000 $20000 $6500

13.26% 14.36% 15.61% 5.90% 13.35%

Nebraska Debt Consolidation Providers

Nebraska Debt Consolidation Loan Providers - Initial Static Image

Click or tap map image above for interactive version.
Lenders
contact us for listing removal or amendment.


A American Debt Consolidation
1921 Harney St Omaha
NE 68102 - 402.345.0447

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Omaha Debt Consolidation
455 N 10th St, Omaha
NE 68102

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A American Debt Consolidation
Lincoln, NE 68508
402.476.7070

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Debt Hero Omaha Consolidation
5645 North 90th Street, Omaha
NE 68134 - 402.206.2219

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OneMain Financial
1225 S Poplar St #300, North Platte
NE 69101 - www.onemainfinancial.com
308.534.4250

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Central Nebraska Federal Credit Union
609 S Locust St, Grand Island
NE 68801 - www.cnfcu.com
308.382.5041

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Archer Credit Union
510 G St P.O. Box 284, Central City
NE 68826 - archerccu.com
308.946.3070

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KRD Federal Credit Union
1001 W B St, McCook
NE 69001 - www.krd-fcu.org
308.345.7040

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Box Butte Employees FCU
504 W 3rd St, Alliance
NE 69301 - www.boxbutte.com
308.762.4725

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Consumers Co-Op Federal CU
217 Toluca Ave, Alliance
NE 69301 - www.ccfcuonline.com
308.762.1871

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Northeast NE Fed Credit Union
1306 N 13th Street Norfolk
NE 68701 - www.nnfcu.com
402.371.9345

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Dale Employees FCU
704 W Benjamin Ave, Norfolk
NE 68701 - www.dalecu.com
402.371.2242

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MembersOwn Credit Union
2600 Eastside Boulevard Suite
#614, Beatrice NE 68310
membersowncu.org
402.223.4204

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Southeast Nebraska Federal CU
2600 Eastside Boulevard #2, Beatrice
NE 68310 - 402.223.4204

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NE Debt Consolidation Application Form

Nebraska Application Form
Bad Credit Debt Consolidation Loans (?)
 

About Consolidation Loans In Nebraska

For Nebraska residents who are considering a debt consolidation loan we have two approaches you can use. One: You can check out your local credit unions or banks if you have fair to good credit Two: If you have bad credit the above list of local lenders won't likely approve a loan, so you can use the application form on this page to access our bad credit lender list (A.K.A - The WFL Lender Pool).

Consolidation Loan in Nebraska

Neil has payday loans, credit card debt and he needs to come up with a $1000 for his deductible on his car insurance because his son totaled the car.

He needs a debt consolidation loan of $10500 and wants to repay it over a four year term.

This loan will relieve a lot of stress for Neil, if he can find a lender to approve this debt consolidation loan for him.

His son totaled the car and his insurance company is writing it off. The car was not worth a lot from an insurance value. It was an older car with high mileage on it.

The insurance company gave him what it was worth, less the deductible which left him with less than he needed to buy another used car.

He also has credit card debt that he is only paying the minimum monthly payment on.

As a result, he is paying high interest rates on the remainder and if he continues only paying the minimum balance it will take many years to repay it, much longer than a loan would take.

The majority of his monthly payment to the credit card company is interest.

He also has one pay day loan which he desperately wants to get rid of. The interest and fees are higher than the credit card charges for a much smaller loan.

Altogether he heeds $10500 to pay his pay day loan, his credit card debt and have a bit left over for the purchase of another car.

He will combine what is left over with what the insurance company gave him and try to find a car that he can afford and will not need much in the way of repairs.

A $10500 loan with a 4 year term 6.75% interest rate for Neil would cost him the following per month:

• Loan Amount (principal) = $11500
• Interest Rate = 6.75%
• Term Length =4 year
• Monthly Payment = $274.05
• Total Paid Back = $13154.40
• Total Interest = $1654.40

First of all, Neil should use the proceeds of what he received from the insurance company to repay the pay day loan and as much as he can of the credit card debt.

This will immediately reduce the total amount of interest he is paying and save him some money. This can be completed immediately while he is waiting to hear about the loan approval.

Neil, despite his credit card debt and pay day loan has a reasonable credit score and probably will be approved for the loan.

It will save him a great deal of interest costs compared to what he is dealing with now. Before his loan can be decided on, he will need to provide more information about his income and that of his wife.

The lenders need to establish that he has sufficient income to support the loan payment along with his regular living expenses for rent and utilities etc.

This is a standard process for all lenders and it will only take a few days to process the loan once he provides the information being requested.

If you live in the State of Nebraska and you're trying to get approved for a debt consolidation loan, we hope our website helps you find a good lender regardless of your credit rating.

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

Credit Counseling Services In NE

Nebraska Debt Consolidation Loan Providers - Initial Static Image

Click or tap map image above for interactive version.
Counselors
contact us for listing removal or amendment.

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Consumer Credit Counseling Services
809 N 96th St #100 Omaha
NE 68114 - 402.391.2479

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Credit Repair & Debt Counseling
Omaha, NE 68135 -888.420.1802
www.midwestcreditcare.com

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GreenPath Financial Wellness
5000 Central Park Dr #204
Lincoln, - NE 68504
www.greenpath.com
888.776.6732

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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
  • Lenders who provide bad credit consolidation
  • 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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