Fair to Bad Credit Loans in NV

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Last updated: September 26 2018

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

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Nevada Applicants
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Nevada Usury and Regulations

Summary of Nevada Usury Law(s) / Quote: "Legal: Nevada legal rate and judgment rates are 2% over prime rate at largest bank in state on January 1 or July 1 immediately preceding judgment / Contract: Any rate agreed to / Judgment: See legal rate / Corporate: Any rate"

(WeFindLenders.com endeavors to include the most up to date legal data for Nevada, 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 Nevada, and/or contact the Nevada State government's division of banking and finance - legal statutes researched by FindLaw.com & American Lawyers Quarterly - see credits)

Nevada Usury Law Information:

Legal Maximum Interest Rates: Quote: "No limit for what parties may contract; otherwise prime rate of Nevada's largest bank plus 2%" - see Nevada Statutes 99.040

Usury Penalties: As per Nevada statute(s) see 17.130

Judgment Interest Rates: Quote: "Contract rate or prime rate at largest bank in Nevada plus 2%" - see Nevada Statutes 17.130

Legal Exceptions: Quote: "Licensee may lend at any interest rate" - see Nevada Statutes 677.730

Nevada Lenders By City

Las Vegas NV / Reno NV / Henderson NV / North Las Vegas NV / Sparks NV / Carson City NV

Complaints to:

Nevada Department of Business & Industry / Nevada Complaint Process / Nevada Complaint Form (PDF)

State of Nevada Department of Business and Industry / Attn: Financial Institutions Division / 3300 W Sahara Avenue Suite 250, Las Vegas, NV 89102 / Phone: 702.486.4120 Toll free: 866.858.8951 Fax: 702.486.4563 / Email: FIDMaster@fid.state.nv.us

Nevada Lender Service Areas

Nevada Bad Credit Lenders Map - Initial Static Image

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Lenders
contact us for listing removal or amendment.


Great Basin Federal Credit Union
9770 S Virginia St Reno
NV 89511 - www.greatbasin.org
775.333.4228

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Greater Nevada Credit Union
5150 Mae Anne Ave #203, Reno
NV 89523 - www.gncu.org
775.882.2060

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WestStar Credit Union
394 E Moana Ln #1, Reno
NV 89502 - www.weststar.org
800.729.9328

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One Nevada Credit Union
1296 Plumb Lane Ste A, Reno
NV 89502 - www.onenevada.org
775.827.3880

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America First Credit Union
6090 S Durango Dr, Las Vegas
NV 89113 - www.americafirst.com
702.968.1100

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Aloha Pacific Federal Credit Union
9555 S Eastern Ave #150, Las Vegas
NV 89123 - www.alohapacific.com
702.776.6900

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Clark County Credit Union
709 Shadow Ln, Downtown
NV 89106 - www.ccculv.org
702.228.2228

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Elko Federal Credit Union
2397 Mountain City Hwy, Elko
NV 89801 - www.elkofcu.org
775.738.4083

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OE Federal Credit Union
1720 Mountain City Hwy, Elko
NV 89801 - www.oefcu.org
775.753.8585

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Pahranagat Valley Federal Cu
197 N Main Street Alamo
NV 89001 - www.pvfcu.net
775.725.3586

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Bad Credit Loan Form for Nevada

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Signature Loan In Nevada

Lorena loves dogs, but especially grey hounds. They are very sleek and well behaved although sometimes they can be quite excitable.

You never allow them off the leash, and you hold on tight if they see a rabbit or some animal. If they give chase, it could be a long while before you get them back.

She wants to start a small business looking after grey hounds for people in the area.

She needs $2000 to get started and based on a back of the napkin business plan she has drawn up she feels that she will be able to repay the loan in less than a year.

However, she is asking for a two year term just to keep the monthly payments low in case the business does not work out quite the way she expects.

There are two segments to her business model. She plans to look after these dogs for their owners when they go away for a weekend or on a longer trip.

She will board them and feed them for a set price, give them medication if needed and also exercise them as needed.

Her clients will drop their family pets off at her home and pick them up when they return.

There will be a contract to sign and she expects them to provide whatever medication is needed.

The second aspect of her business will be selling specially mixed dog food to her clients. Grey hounds are a fussy lot and they also need specific ingredients to keep them healthy with the right mixture of vitamins and minerals.

They are fed twice a day and receive just the right amount to maintain their proper body weight.

She is planning to use all ingredients that are manufactured by feed companies, with the extra vitamins and minerals that these dogs require.

She has already started, but needs some funds to purchase raw materials and additional beds for the dogs to sleep over.

A $2000 loan with a 2 year term 3.75% interest rate for Lorena would cost her the following per month:

• Loan Amount (principal) = $2000
• Interest Rate = 3.75%
• Term Length =2 year
• Monthly Payment = $86.63
• Total Paid Back = $2079.06
• Total Interest = $79.06

Lorena certainly has a unique business and it looks like she knows what she is doing. She already has some experience and she will be expanding the number of dogs that she will be looking after.

She has a good business plan, now that it is actually on paper and not the back of a napkin.

This loan will be set up as a personal loan since she has not incorporated. Her credit rating is in decent shape and she along with her husband do not have any other large debts.

They have a couple of credit cards which carry a zero balance.
Lorena will have little difficulty in being approved for this loan and barring any major surprises should be able to expand her business with no problems.

One requirement the lenders may require is documentation showing the home and premises are properly insured for this kind of business.

If you live in the State of Nevada 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 NV

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

$60000 $9000 $40000 $95000 $12000

5.73% 11.11% 15.72% 9.58% 9.19%

Nevada Debt Consolidation Providers

Nevada Debt Consolidation Loan Providers - Initial Static Image

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Lenders
contact us for listing removal or amendment.

Debt Consolidation Care
301 W 11th St Unit E
Reno, NV 89503 - 800.332.8913
debtconsolidationcare.com

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IDebt Solutions Nevada
Debt Settlement Services
1575 Delucchi Ln #116b, Reno
NV 89511 - 775.825.7550

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Alternative Debt Portfolio LLC
50 W Liberty St # 980, Reno
NV 89501 - www.adpfund.com
775.682.3000

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Student Loan Consolidation
10000 W Charleston Blvd
#200, Las Vegas NV 89135
studentloanconsolidator.com
702.850.7494

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Nevada Debt Solutions Service
8072 W Sahara Ave C, Las Vegas
NV 89117 - 702.570.1100
debtsolutionsservice.com

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American Debt Consolidation
4243 N Las Vegas Blvd, Las Vegas
NV 89115 - 702.651.0184

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Las Vegas Debt Consolidation
North Las Vegas, NV 89030
702.649.4046

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Excess Debt Solutions
4616 W Sahara Ave, Las Vegas
NV 89102

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Superior Debt Services
8879 W Flamingo Rd # 201
Las Vegas NV 89147

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Freedom Debt Group
900 Karen Ave, Las Vegas
NV 89109 - 702.384.0150

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Churchill County FCU
667 S Maine St, Fallon, NV 89406
www.ccfcu.biz - 775.423.7444

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Excess Debt Solutions
4616 W Sahara Ave
Las Vegas NV 89102

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Superior Debt Services
8879 W Flamingo Rd #201
Las Vegas, NV 89147

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Freedom Debt Group
900 Karen Ave, Las Vegas
NV 89109 - 702.384.0150

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NV Debt Consolidation Application Form

Nevada Application Form
Bad Credit Debt Consolidation Loans (?)
 

About Consolidation Loans In Nevada

There's no shortage of people in Nevada who have money problems. It's home of irresponsible spending after all. It's the home of fun and throwing caution to the wind. If you live in Las Vegas or Reno with a gambling problem, you'll know how crushing and life-sucking it is to lose so much you're up to your eyeballs in debt. It may be time to get serious about dealing with your debt.

Consolidation Loan in Nevada

Neil is anxious to have his air conditioning replaced. His AC unit quit on him last fall and he is just getting around to doing something about it now.

It is a big deal to replace the AC unit since it requires a large crane to come in and remove the old one before lifting the new one and dropping it in place on the roof.

When he purchased this condo he never gave it any thought, but now he is regretting his decision to buy this particular condo because of the cost involved.

In addition to his AC unit he has a few other small loans that need to be addressed.

He has some money saved and he is reluctant to pay them off if he cannot be approved for a debt consolidation loan.

Taking into account the cost of replacing his AC unit and the debts he wants to repay along with what he has saved he still needs a $12000 debt consolidation loan.

He wants to repay the loan over a three year term.

Replacing the air conditioning unit involves blocking the road, which means the police are involved and he has to get special permits approved.

Scheduling is a significant issue as well as these crane operators prefer jobs that involve a week or more of in place work.

Billing is for a full day which involves transport to the location, set up, take down and transport back to the storage area for the crane.

Thankfully the AC firm he is using is familiar with all of this and will coordinate everything, but the cost is significant.

A $12000 loan with a 3 year term 5.75% interest rate for Neil would cost him the following per month:

• Loan Amount (principal) = $12000
• Interest Rate = 5.75%
• Term Length =3 year
• Monthly Payment = $363.71
• Total Paid Back = $13093.40
• Total Interest = $1093.40

Neil’s application for a debt consolidation loan is one of the more unique applications lenders have received in a while. In fact, they wanted to see estimates and documentation for the job to make sure that it was in fact a real job and not something else. A

s it turns out there are about a hundred of these kinds of AC replacement jobs almost every year. Home owners try to avoid these homes and most take out insurance to cover the cost.
Obviously Neil does not have home owner’s insurance for replacement of the AC unit.

He has to pay everything out of pocket. With summer approaching he really has to have his AC unit installed now and running before the temperatures skyrocket.

From a financial perspective, Neil has a good credit rating, a stable job and only a small number of other debts that he intends to consolidate.

His approval for this loan should proceed with no problem once all of the documentation has been submitted and approved. He is all set to place the order for the AC unit replacement get the ball rolling for the work that needs to be completed.

If you live in the State of Nevada 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 NV

Nevada Credit Counseling Providers - Initial Static Image

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

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Nevada Debt Counseling
Reno NV 89509
775.786.4440

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Nevada Credit Counseling
2221 Pyramid Way, Sparks, NV
89431 - 775.359.2383

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Financial Guidance Center
2650 S Jones Blvd, Las Vegas
NV 89146 - 702.364.0344
financialguidancecenter.org

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Credit Counseling and Solutions
4012 S. Rainbow Blvd STE K #444
Las Vegas, NV 89103 - 702.577.5148
www.ccscredit.com

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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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