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Auto Loan: Apply online for a good or even a very bad credit auto loan quote, including a new or used auto loan or refinancing.

Credit Card: Browse good and bad credit card applications including instant approval credit cards, gold, platinum, and guaranteed card offers.

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

Debt Counseling: Personal finances out of control? Unsecured credit counseling, debt management, debt negotiation or free debt settlement.

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

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

Mortgage Refinancing: Fast 2nd mortgage loan quote for remodeling, equity cash out, debt consolidation or other reasons.

Payday Loan: Get a good or bad credit unsecured loan with no credit check, no security (collateral) and no cosigner.

Personal Loan: Short or long term personal loan up to $10,000 (as available, or view alternative loan options).

Personal Finance: How to file bankruptcy and get free bankruptcy forms, create a household personal budget, balance a checkbook and more. Get our free personal budget software.

Financial Help: Get the latest financial news. Search Credit Federal for credit card, debt assistance, auto loan, home loan, mortgage refinancing, payday and personal loan applications and information.
Get free online IRS tax filing, or settle IRS tax debt

Browse for more credit offers.


Daily Credit Tidbit: Do you know how much money you charged and spent last week? Are you spending 75% or more of your income to repay credit? Use our free electronic checkbook register to log and sort expenses so you can more wisely manage money.

Daily Credit Tidbit: Having a hard time saving money for a special purchase or for a downpayment? On your checkbook, credit cards and money clip, tape a picture of the item you're trying to save money for. If trying to save money for a child's college, tape your child's photo. For a new car, tape a photo of the car. Use imagery to help motivate your savings efforts.


Pre-qualify for a loan or a credit card. Our form for credit card and loan prequalification can help you choose offers based on your credit history. Get pre-approved credit now.

Credit card and loan prequalification

Number of times you were late paying
credit card bills in the past year?->

Number of times you were late paying
mortgage/rent in the past year?->

Number of times you were late paying
OTHER bills in the past year?->

Your annual income?->

Do you have an active credit card?->

Number of GOOD credit references
you have on your credit report?->

Have you been denied credit
in the past year?->

What percent of your income is
spent to pay monthly bills?->

Is bankruptcy on your credit report?->

The data you enter above is not stored on our server, nor is it shared with any entity. This form provides an estimated prequalification (pre-approval) for loans and credit cards based upon your input, and is not a guarantee of acceptance.


Perfect credit? Fair Credit? Bad Credit?
Aren't sure what types of credit cards and loan you are qualified to receive? Use our fast credit card and loan prequalification form. Upon submission, Credit Federal will provide you with details about which types of loans and credit cards may fit your credit history*.

Our prequalification form will rate your input and score you according to one of these four categories:

Bad credit
Poor credit
Fair credit
Excellent credit

*This form is not an application, nor is it part of any application process. Our credit card and loan prequalification form uses an abbreviated history of your credit; as you know it to exist, and provides you with "suggested" offers. There may be other items on your credit report which you are not aware. Credit Federal does not guarantee that this prequalification form will result in approval for any credit card or loan offer. The final approval authority rests solely with the card issuer and loan lender, and may be based upon an actual review of your credit report. Before applying for any credit, refer to the Terms and Conditions of each offer.

Submit our credit card and loan prequalification above.


Credit Card Offers By Credit Score: Receiving credit card offers for your credit score makes the best sense. If you have really bad credit, you're wasting your time by applying for high limit rewards cards from major issuers because it's most likely your application will be rejected.

Want to know where you can get free credit card offers by credit score? Use our credit prequalification tool for assistance. We'll also provide no-obligation application links.

Credit card matching services can help you pinpoint the types of cards that you may most likely qualify for, thus saving you time and effort as well as limiting the number of inquiries for your credit report. They can also provide you with high risk credit card applications that have no credit check and offer instant, guaranteed approval.

By inputting some basic information (typically non-sensitive data), a credit card matching service can get a good picture of your credit rating without having to look at your credit report and without needing your Social Security Number.

Take a moment to signup so a matching service can help you find credit card offers by credit score. Simply by submitting your email address, you can receive information about a card matching service as well as a link to their free no-obligation service. Within a minute you can browse offers which match your credit profile. If you like an offer(s), submit a preapproved credit card application with more confidence of being accepted.

Typically, if you have very bad credit or absolutely no credit history whatsoever, you may only qualify for either a pre-paid card or perhaps an unsecured high risk credit card that has a low credit limit. If you have some credit problems but also have two or more good credit references, you may get approved for an unsecured credit card to rebuild credit. Unlike very high risk cards, these cards may have a lower fee and interest rate.

A card matching service can eliminate a lot of the guesswork for you, thus saving you time, aggravation, and limiting credit score checks.



Credit is a tool, and just like any tool you need to use it correctly. Applying for credit, making credit card charges, getting personal loans, etc, is not mistreatment but is becoming more of a necessity. Use credit wisely and not only will you stay out of debr trouble, but you'll also receive better offers in the form of lower interest rates.

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 - © 2011 Wells Fargo. All rights reserved.

Wachovia is now a part of Wells Fargo. Together, we’re one of North America’s largest financial services companies with a legendary reputation for strength and stability, offering more convenience and resources to help you reach your financial goals. We can serve you through 9,000 financial services locations, more than 12,000 Wells Fargo and Wachovia ATMs, the Internet, and other distribution channels across North America and internationally.

Wells Fargo & Company (NYSE: WFC) is a diversified financial services company providing banking insurance, investments, mortgage, and consumer and commercial finance. We're headquartered in San Francisco, but every local Wells Fargo store is a headquarters for satisfying all our customers' financial needs and helping them succeed financially.

We're Number 1 in the U.S. in community banking presence (6,200 banking stores), mortgage originations, small business lending, and agribusiness lending. We're also a leader in deposits and home mortgage servicing. For more information, please visit or contact customer service at 800-WACHOVIA, 24 hours a day, seven days a week.

Choosing the right checking or savings account helps keep your money and your plans moving forward. It’s where smart money management begins.

* Checking - An account for every lifestyle. Looking for a checking account? Is your priority value and convenience? Or are you looking for a premier checking account package? Whatever you need, we can show you the right solution.
* Savings & CDs - A savings account is a building block to a solid financial future. Money market accounts, CDs, and IRAs are also important tools for your nest egg.
* Wells Fargo Credit Cards - With a low introductory APR and no annual fee, Wells Fargo credit cards help you shop and save.
* Check Cards - Visa® Check Cards add banking convenience and purchasing power to your financial life.
* Gift and Prepaid Cards - Whether you're looking for the perfect gift or teaching your teen financial responsibility, find the prepaid card that's just the right fit for you.

Interest Checking Account: Ready to be rewarded for your complete banking relationship with Wachovia? See how our premier checking package maximizes the value of your checking dollars.

Crown Banking® - the advantages of a relationship.
* Premium Savings account with no monthly service fee
* $10 discount on all check orders
* Free safe deposit box note 1
* Free cashier's checks, money orders, traveler's checks and notary services
* Interest-earning checking account with interest compounded daily
* Discounts on home equity line/loans
* Open a Way2Save® account with Crown Banking® and we can help you save

All that, plus the same benefits that come with all Wachovia checking accounts including Online Banking with BillPay, Balance Alerts, Online Statements, and Wachovia Mobile®.note 3 You'll also get Wachovia Security PlusSM-our commitment to protect your privacy and security.

Online Services: Pay all your bills in one secure place. It's easy - enroll in Online BillPay today. Secure and easy-to-use, Wachovia Online Services puts money management just a few mouse clicks away. We are dedicated to providing you a safe and dependable service for accessing your financial information online. Learn more about our Online Services Guarantee.

* Online Banking with BillPay
Check account activity and balances
Manage your accounts through Wachovia Mobile®
View statements online
View images of paid checks
Transfer funds between eligible accounts
Get account balances delivered automatically
Pay bills online

*Online Brokerage
Check your account balances, holdings, and activity
Place and confirm trades
Obtain real-time quotes, news, commentary, analysis, and research reports
View all your online accounts in one place with
Wells Fargo One StopSM

The Lending Center is your source for credit and loan products, objective information, and more. Whether you’re shopping for your first home, a new car, or need money to pay for educational expenses, we can help.
# Mortgage
# Home Equity Loans and Lines
# Education Loans
# Personal Loans
# Credit Cards
# Vehicle Loans 


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