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New and Used Car Loans and Refinancing       Secured and Unsecured Credit Cards       Credit Report, Score, Repair and Protection       Debt Counseling, Settlement and Consolidation       New Home Purchase, 2nd Mortgage ReFi, Cash Equity       Short and Long Term Personal Loans


Payoff, reduce or eliminate credit card debt with free debt settlement, professional debt help, a consolidation loan or a long term personal loan to payoff bills. Free sample letters for debt negotiation and to stop collector harassment.




Annuity - Learn about annuity investments.

Balance checkbook - How to balance a checkbook and download our free checkbook register software.

Bank checking account - How to read a bank checking account statement.

Business loan - Get funding to start a small business or to finance a corporation.

How much money can I borrow - Input the amount you can afford to repay, whether bi-weekly or monthly installments, and the calculator will review the maximum loan amount you can afford to payback.

Card interest rates - Get current credit card interest rates from major issuers.

Card & Loan calculators - Calculate credit card interest, mortgage payments, home refinancing, and to manage and track expenses budgets, plus create a household budget.

Checkbook Register - Free CheckBook Register Software to Manage Expenses

Christmas credit card - Apply for a Christmas credit card to make gift purchases.

Christmas credit card debt - Options on how to get help with too much Christmas credit card debt.

Christmas credit card shopping - Tips for safe shopping with your credit card.

Christmas gift cards - buying, selling and trading retail store gift cards. Buy discounted cards or sell gift cards for cash.

Christmas personal loan - short or long term personal loan with monthly installments to purchase Christmas gifts.

Consolidate student loan - Apply to refinance student loan debt for a lower interest rate and payments.

Counterfeit money - Spot counterfeit money and report fake money to the govt.

Create a will - How to create a will yourself and prepare a living will.

Credit card statement - How to read a credit card billing statement.

Credit and divorce - How divorce affects your credit score and bill payments.

Credit and loan prequalification - Prequalify for credit cards and loans based upon your credit score.

Espanol credito - Obtenga el crédito y los préstamos financieros. Algunos abastecedores del crédito no tienen traducción española. Tarjeta de crédito.

File bankruptcy - How to file bankruptcy, chapter 7, 11, 13.

Financial calculators

Free bank checking account - Apply for a no fee, online bank checking account.

Free bankruptcy forms - Free online chapter 7, chapter 11 and chapter 13 bankruptcy forms.

Free calculator downloads - Free financial calculators and software for budgets, interest, payments, and more.

Free checking account - Free internet checking accounts.

Free credit check - Rate your credit based upon your personal history.

Free credit offers - Financial newsletter membership for free credit offers by email.

Free IRS tax calculator - Quickly and easily calculate your estimated taxes and withholding.

Free money and gov grants - Instant access (no registration and no credit card) to government grant programs and applications.

Free online tax return filing - Qualify for free tax return filing.

Government debt consolidation loans - Truth about government loans to pay bills.

Government grant - Instant access to Government grant applications with no registration required.

Government assistance - Apply for government assistance programs.

Government grants for disabled - Apply for disability grants.

Government grant federal unclaimed money - Locate and claim unclaimed money.

Government grant foundations - Check to see if you qualify for a grant.

Government nontraditional grants - Review other types of grants.

Government pensions - Information about government retirement plans.

Government private grant foundations - Search for a grant from other foundations.

Government unclaimed funds - See if you are entitled to free money.

Government unclaimed money - See if someone owes you a refund.

Government veteran grant - Veteran grant programs.

Government women education grant - Educational grants for women.

Insurance - Get online quotes for life, home and auto insurance.

Interest Rates - Get current interest rates for loans and credit cards.

No collateral business loan - Quick cash for small businesses.

Personal budget - Download our personal budget software.

Personal budget software - How to use our personal budget software.

Personal finance - Keep track of personal finances with our services and resources.

Personal finance newsletter - Free personal finance management tips and special credit offers.

Plan retirement - Prepare for retirement with our tips.

Question and advice - Free online help, just submit your question and get an answer.

Reminders to pay bills - Free reminders so you pay bills on time.

Track expenses - Free software to track where you spend your money most.





Auto Loan: Good or bad credit auto loan quote. Apply for a new or used auto loan, or for car refinancing.

Credit Card: Search for a gold rewards or a bad credit card. To rebuild credit, get an instant approval credit card. Browse unsecured platinum and guaranteed credit card offers.


Credit Report: Free credit report help to fix credit report errors and improve credit score ratings.


Debt Counseling: Nonprofit credit counseling, unsecured debt consolidation or free debt settlement.


Free Credit Offers: Get no obligation credit offers and receive alerts and tips to manage personal finances.


Home Loan: Stop paying rent and live the American dream.


Mortgage Refinancing: 2nd mortgage loan for remodeling, equity cash out or a debt consolidation loan.


Payday Loan: Get a good or bad credit unsecured loan with no credit check and no collateral.


Personal Loan: Short or long term personal loan.


Personal Finance: Create a personal budget, balance a checkbook, file bankruptcy and more.


Free Help: Personal finance newsletter, credit advice and tips.


Interest rates: National averages of credit card, mortgage, refinancing and auto loan interest rates.



Credit Information Search

Research all information relating to:


Auto Loans, New, Used and Refinancing


Credit Cards, Secured, Unsecured, Debit and Rewards


Credit Repair, Do-It-Yourself Credit Improvement


Credit Reports, Experian, Transunion and Equifax


Debt, Counseling, Settlement, Bankruptcy and Consolidation


Mortgage Loans, New Home Purchase, Reverse and Refinancing


Personal Loans, Short and Long Term Installments



U.S. Consumer Credit Applications - Click Choice to Preview Financial Offer


Personal Loan  Short and Long Term, Secured and Unsecured (as available)

Credit Card Match  Secured, Unsecured, Rebuild Credit and Rewards

Debt Relief  Credit Counseling, Debt Settlement and Consolidation

Credit Report  Fix Credit Report Errors and Improve Credit Score

Mortgage Loan  New Home, Equity and Refinance

Auto loan  New, Used and Refinancing (as available)



Can I get approved for a credit card or loan? Look at your credit approval worthiness from a creditor's point of view to help you figure out if you qualify before you apply.

  1. Do you clearly have the ability to repay the loan. Do you have adequate income and steady employment.

  2. Do you have assets, such as savings and checking accounts, CDs, personal property, real estate, etc. If so, this shows creditors that you have financial stability.

  3. Do you have too many; or too much, liabilities like credit cards, installment loans, child support or alimony to pay.

  4. Do you meet obligations, such as making all payments on time, have a good credit report, etc.


Comparing various credit offers can not only be confusing, yet also quite time consuming. Referring to forums and advice boards are not much use either, as you cannot verify the truth of any statements as they could have been submitted by a representative of a credit company.


When considering credit cards, the pros and cons of each one can make your head spin. There are secured, unsecured, pre-paid and debit cards. Among those there are different issuers all with differing terms, fees, rates and rewards. Some cards are reserved for excellent credit applicants and some are designed to rebuild credit. Many people dedicate vast amounts of time comparing cards only to discover after they apply that they are not qualified and their application is rejected.


Auto loans may not have as many variables, yet there's a huge advantage of networking to find the absolute lowest interest rate as well as a great deal. Requesting multiple free quotes with no obligation can make the lender choice easier.


Personal loans are not all alike, as they can be secured or unsecured, with either short or long term repayment periods with monthly installments. Even the simpler payday advances. are comprised of lenders with varying interest rates and fees to be compared, in addition to finding one with a good customer service record. There are also some payday lenders who offer longer repayment periods than the typical two weeks. As for large personal loans, based upon the lender there are both secured and unsecured types.  High amount personal loans with long term repayments have their own interest rates and fees to consider.


Best lenderpreviews consumer credit offers in an effort to make comparing, choosing and getting an approved application easier for the consumer. In some instances, it can be highly beneficial to use a free matching service to find the credit you need and qualify for without unwanted hard credit pulls. In some instances, you can get pre-approved with only soft pulls, or with no credit report reviews whatsoever.



Gppd lender makes it easier for underserved consumers to locate and obtain the financial assistance they need.


Secured and Unsecured Credit Card Offers

There are credit cards for all credit types, for first time card holders to those who need to rebuild credit, as well as rewards cards for people who already have excellent scores. Use a card matching service to find pre-qualified card offers that may best fit you.



Good or Bad Credit Personal Loan Application

There are two main types of unsecured personal loans 1) A short term bad credit personal loan with no credit check typically limited to $1,000 and, 2) A long term personal loan with monthly installments and a large fund of up to $10,000 or even $25,000. The reasons for these differences is to enable lenders to offer loans to people of most all credit types. High risk personal loans offer lower amounts and higher interest rates to offset the lender's liability. Applicants who pose a very low risk of loan default can obtain larger loan amounts and lower interest rates.

(Offers as available depending upon lender participation; subject to change)


Review Disclaimer: Review information was gleaned from the website, and is neither an endorsement by us nor an confirmation of content nor a warranty of any promises made by the website. Use the review information at your sole discretion and sole liability. Review - Member FDIC. Equal Housing Lender. © 2011 Bank of the West

Free Checking - No monthly service charges and Online Banking with free Bill Pay and free* Mobile Banking make this checking account a convenient, economical way to bank. Sign up online for this account in 5 easy steps.

Choice ATM Checking - Free cash withdrawals at any institution’s ATM worldwide. Plus, first-class customer service. Choice ATM Checking is now available in Arizona, California, Colorado, Minnesota, Nevada, New Mexico, Oklahoma, and Oregon.

Choice Interest Checking - Earn interest on every dollar in your account, while maintaining easy access to your cash. Plus, it’s simple to sign up online.

55 Plus Checking - This is the checking account choice for you if you’re at least 55 years young and want to take advantage of extra perks

The Bank of the West Debit Card is accepted at millions of locations worldwide.

Purchases and payments have never been easier, or more secure. Use your Bank of the West Debit Card in place of checks, cash or credit cards. Plus, you can use your Bank of the West Debit Card to get cash at merchants, any Bank of the West ATM, or at any ATM with the MasterCard® logo.

Swipe and sign with your Bank of the West Debit Card - Use your Bank of the West Debit Card instead of checks, cash or credit cards. It’s quick, convenient and secure. Just swipe your card, then sign your receipt and the amount of your purchase will be deducted from your checking account.¹

Choose debit card over cash or checks - Your Bank of the West Debit Card is more convenient than checks and safer than cash. No need to carry a bulky checkbook, or fill out a complete check, simply swipe and sign. Plus enjoy the peace of mind that our Zero Liability policy provides for unauthorized purchases.²

Pay as you go - Choose your Bank of the West Debit Card when it makes financial sense for you to pay as you go. Purchases and payments are automatically deducted from your checking account.

Manage your money - Monitor the details of your debit card transactions - including date, amount, payee name and location - on your checking account statement every month.

Sign up for Bank of the West Online Banking and make paper statements obsolete

Plus, if you sign-up for Online Banking, you can monitor your debit card activity anytime you want - no need to wait for a monthly account statement.

Overdraft Options - What's your plan for avoiding overdrafts and declined transactions? We know that with today’s hectic schedules it’s easy to lose track of your checking account balance. To help you avoid overdrafts and declined transactions, we offer the following options for your account.

Gold Line - Our Gold Line account provides a line of credit that advances funds to your checking account in increments of $50 to cover overdrafts. Total available overdraft coverage is determined by your credit limit, and credit is subject to approval (fees may apply).

Savings Overdraft Protection¹ - Savings Overdraft Protection automatically transfers funds in increments of $50 from your savings account to cover overdrafts on your checking account. Total available overdraft coverage is up to the available balance in your savings account. Conditions and restrictions apply. Contact your local branch for all the details.

Debit Card Overdraft Service² - Debit Card Overdraft Service is a service for debit card users that applies to ATM and everyday debit card transactions. In the event that your checking account balance is low, we may pay these transactions at our discretion for a fee of up to $36. Fees vary by state

Credit Cards - We offer the perfect credit card to suit your life and your lifestyle. From our Standard MasterCard® Credit Card to our Platinum Rewards MasterCard® Credit Card you get ease, convenience and of course, great Bank of the West service. And your Platinum Rewards MasterCard® Credit Card can reward you with extra cash, gift cards for your favorite stores and restaurants, or even a well-deserved vacation.

Platinum Rewards MasterCard® Credit Card - This is the card for you if you want to earn rewards easily on every purchase, all with no annual fee. 24/7 access with Online Banking. Get 1 reward Point for every $1 in purchases. Earn unlimited reward Points with no expiration dates and no annual cap. Redeem online for your choice of awards - gift cards, cash rebates, merchandise, travel, and unique experiences.

Platinum MasterCard® Credit Card - The perfect choice that allows you to take advantage of exclusive platinum benefits with low rates and no annual fee.

Standard MasterCard® Credit Card - One simple, easy-to-use card that delivers the convenience you want for everyday purchases.

Military Loans - We're proud to offer Military Loans to all ranks and branches of the military including: active duty, immediate family (spouse and children), retired, National Guard - active and reserve, new enlistees, college ROTC students and cadets, honorably discharged and disabled veterans

Construction Financing - Our Construction Lending specialists can help you find the financing for renovating or building projects on your home.

Home Equity - Find out how you can use your home's equity to help with other goals including renovations, debt consolidation and even tuition.

Vehicle Financing - Whether you need a vehicle for work or for play, we offer a range of competitive loans that put you in the driver's seat.

Mortgages - We have a full range of mortgages and useful tools, so that you can select the one that best reflects your needs.

(800) 488-BANK (2265)

Payday lenders could be a hot topic of discussion, when the state House’s Banking and Financial Services hosts a hearing on January tenth. The discussion will focus on the reauthorization of the 1998 Check Casher Act, which lets registered, non-bank lenders loan money for a short term, for a fee. Reps are predicting that change is in the making. There is the concern that lenders are not put out of business, yet they do not desire them to be predatory either. With all the competition, there still remains a problem of high interest rates.


For example, Mississippi has one of the highest rates in the South which is capped at 18 percent for two weeks, and they have about one thousand payday lenders. Their charges for a small loan of about one hundred dollars, for a couple of weeks, is around twenty one dollars.  Alabama is around 17.5 percent for ten to thirty days and Louisiana about 16.75 percent for 60 days. There is an understanding of the risk payday lenders take by loaning money, but the industry needs to get the fees in line with their other competition.


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