Chandler AZ
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Arizona Lenders > Chandler

This page was last updated August 2019

Commentary for informational purposes only. See disclaimers here.

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Fair Credit Lenders in Chandler AZ

Lenders: contact us for listing removal.

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First Credit Union
25 S Arizona Pl #111, Chandler, AZ 85225
www.firstcu.net
480.756.5500

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Arizona Central Credit Union
1805 W Chandler Blvd, Chandler, AZ 85224
www.azcentralcu.org
480.909.3612

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San Tan Credit Union
78 W Ray Rd, Chandler, AZ 85225
www.santancu.org
480.963.5661

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Arizona Federal Credit Union
2200 S Gilbert Rd, Chandler, AZ 85286
www.arizonafederal.org
602.683.1000

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TruWest Credit Union
1990 W Elliot Rd, Chandler, AZ 85224
truwest.org
480.441.5900

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Landings Credit Union
4850 W Chandler Blvd, Chandler, AZ 85226
www.landingscu.org
480.967.9475

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Desert Financial Credit Union
1949 W Ray Rd Ste. 34, Chandler, AZ 85224
locations.desertfinancial.com
602.433.7000

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Title Loans Express
25 S Arizona Pl #966, Chandler, AZ 85225
www.titleloansexpress.com
480.535.5842

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Maximum Title Loans
4050 W Ray Rd, Chandler, AZ 85226
maximumtitleloans.com
480.917.5626

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TitleMax Title Loans
835 N Arizona Ave, Chandler, AZ 85225
www.titlemax.com
480.214.4706

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Bad Credit Loans in Chandler AZ

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

Learn about GAP (Gift Angel Program)

 

Chandler AZ Lender Area Map

Chandler Bad Credit Lenders Map - Initial Static Image

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Chandler AZ Loan App Volume

Top 5 Chandler neighborhood loan app volume

  1. Arcadia Village
  2. Carrington Place
  3. Hoy Homes
  4. Ray Manor
  5. Pecos Vistas
Chandler Arizona Arts District
Chandler Arizona: Image Source

Chandler Bad Credit Loan Example

Makayla in Chandler Arizona was in desperate need of a $20000 bad credit loan. Well at least that's how she felt at the time. She owed her parents $5000, her credit card balances for $10000, and another $5000 for a personal loan with a high interest rate.

She was trying to get approved with her local bank but that fell through because of her bad credit rating. Her credit took a big hit when she failed to make payments on her credit cards.

She chalks it up to being young and stupid. We believe she is being way too hard on herself. Debt happens, life happens, "stuff" happens. She's certainly not a alone with this experience.

I, myself did the same thing Makayla did when I was in my early 20s. I was just learning how to handle monthly budgeting and fiscal responsibility. I also felt "stupid" as she put it in her pre-app submission.

We highly recommend that you never lose your sense of self-worth just because you find yourself in debt. Just get organized and start following a budget. You'll get your credit score cleaned up again soon, and then you can chalk it up as a LEARNING experience.

Makayla's debts listed below.

$10000 to credit card companies
$5000 her parents
$5000 personal loan

We rounded up her debts (for the sake of this publication) to the nearest $1000. We just want to see clearly how she managed to get approved for $20000 and see what the interest rate was on the note.

And here is the calculation on the $20K consolidation loan.

• Debt Consolidation Amount = $20000
• Interest Rate = 10.46%
• Term Length = 4
• Monthly Payment = $511.68
• Total Paid Back = $24,560.7
• Total Interest = $4560.7

As with all of the consolidation examples we publish, the calculation for Makayla's loan doesn't include any fees the lender would have charged her.

We don't know the fees Makayla was charged so we can't give you an idea on the final APR of her loan. However, below we can provide you with the different offers she received using the WFL lender pool.

Nation wide lender @ 11.11%
Arizona State lender @ 10.46%

Makayla only had two offers emailed to her and she took a close look at both. She liked the nation wide lender (think that one was based out of Arizona) best, because they were so friendly on the phone.

But she had to go with the a local provider which gives loans state wide to people who have bad credit ratings. This was a private lender who employs the WFL lender pool.

Do you live in Chandler and need a bad credit loan? I hope our website can help you in some way to find a decent interest rate even if you have a bad credit score.

Sincerely,

Andy Somerset

Andy Somerset is a writer for the WFL Project.

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Upgrades Nearest Chandler AZ

Job/Income Upgrades: Indeed / Monster

Education Upgrades: College / University

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Chandler Credit Counseling

Chandler Credit Counselors Map - Initial Static Image

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Counselors contact us for listing removal or info change.

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Go Clean Credit
1820 E Ray Rd, Chandler, AZ 85225
www.gocleancredit.com
480.991.4885

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Chandler Credit Repair Agents
10450 East Riggs Road Suite 111, Chandler, AZ 85248
480.535.5640

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Wise Up Financial
2370 W Ray Rd, Chandler, AZ 85224
480.539.1411

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Chandler Non-Profit Services

Food Bank: Matthew's Crossing Food Bank / Address: 1368 North Arizona Avenue #113, Chandler, AZ 85225 / Phone: 480.857.2296

Community Help: The Salvation Army Chandler / Address: 85 East Saragosa Street, Chandler, AZ 85225 / Phone: 480.963.2041

Shelter In Case of Eviction: AZCEND of Chandler / Address: 345 South California Street, Chandler, AZ 85225 / Phone: 480.963.1423

Social Assistance: Chandler Community Action Program / Address: 345 South California St, Chandler, AZ 85225 / Phone: 480.963.1423

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Usury Law Governing Chandler AZ

Summary of Arizona Usury Law(s) / Quote: Legal: 10% Contract: Whatever rate agreed to by both parties / Judgment: 10% / Corporate: No specific rate (read more on Arizona lending laws)

Complaint process for Chandler residents:

Arizona Department of Financial Institutions /
Physical Address: 2910 N. 44th Street, Suite 310, Phoenix, Arizona, 85018 / Telephone: 602-771-2800, Toll Free: 1-800-544-0708, Fax: 602-381-1225 Arizona Department of Financial Institutions / Arizona Complaint Process

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WFL Loan Solutions

Chandler residents struggling with bad credit can learn about our bad credit loan solutions, or if their credit is borderline they can learn about fair credit loan solutions. If you're deep in debt you can learn about our debt consolidation loans and solutions.

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