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California Lenders > Anaheim

Last updated November 2018

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Fair Credit Lenders in Anaheim CA

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SchoolsFirst Federal Credit Union
8160 E Santa Ana Canyon Rd Anaheim
CA 92808 / www.schoolsfirstfcu.org
800.462.8328

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Credit Union of Southern California
200 W Center Street Promenade Suite 101, Anaheim
CA 92805 / cusocal.org
866.287.6225

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Orange County's Credit Union
2390 E Orangewood Ave #106, Anaheim
CA 92806 / www.orangecountyscu.org
888.354.6228

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Partners Federal Credit Union
2401 E Katella Ave #100, Anaheim
CA 92806 / partnersfcu.org
800.948.6677

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Wescom Credit Union
3743 W. Chapman Avenue #C, Orange
CA 92868 / www.wescom.org
888.493.7266

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Certified Federal Credit Union
522 E Vermont Ave, Anaheim
CA 92805 / 714.533.4569

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Wells Fargo Bank
222 S Harbor Blvd #100, Anaheim
CA 92805 / www.wellsfargo.com
714.772.7182

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Chase Bank
555 N State College Blvd, Anaheim
CA 92806 / locator.chase.com
714.817.0647

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U.S. Bank Branch
3800 E La Palma Ave, Anaheim
CA 92807 / locations.usbank.com
714.630.4500

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Pacific Western Bank
2400 E Katella Ave Anaheim
CA 92806 / www.pacificwesternbank.com
714.978.2400

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Bad Credit Loan Form for Anaheim

Fast Loan Pre-App Method
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Anaheim CA Lender Service Area Map

Anaheim Bad Credit Lenders Map - Initial Static Image

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Anaheim 5x5 Loan App Volume

Top 5 list of neighborhoods in Anaheim for pre-app volume. Source: WFL Lender Pool Data. Updated Monthly.

  1. The Highlands
  2. East Center Street
  3. East Anaheim
  4. West Anaheim
  5. Sycamore Canyon
 

Anaheim CA Train Station: Licensing/Credit

Bad Credit Loan In Anaheim

Janick in Anaheim is renewing his mortgage and also wants to consolidate a personal loan that has another three years to run.

He also has a small amount of credit card debt that he would like to add to the mortgage.

In total he needs $60000 and would like a 25-year term. He also has lots of equity in his home and could qualify for a larger mortgage if he was interested.

The personal loan was used to consolidate credit card debt that he had built up a few years ago.

He has managed to pay his credit card balance each month since that time and maintain a zero balance.

This approach saved him from paying lots of interest on any unpaid balance. Recently he needed to pay for sudden repairs to the furnace and will consolidate this amount with his new mortgage.

At the time he could not add it to his mortgage. It was closed and he would have had to pay a penalty to open it and add additional balance to his mortgage.

With his mortgage coming up for renewal next month this is the perfect time to consolidate his loan and credit card debt.

He will have one payment and he can take advantage of the current low interest rates for secured fixed mortgages.

Janick also has an excellent credit rating which combined with the security of his home and the relatively low amount he is planning to borrow, qualifies him for a very low interest rate mortgage.

His mortgage payment amortized over 25 years will actually be close to what he was paying on the personal loan that he currently has.

It was amortized over a five-year term. Longer amortization reduces the monthly payment, however consumers pay more interest over the life of the mortgage with this approach.

A $60000 consolidation loan with a twenty five-year term and 2.55% interest rate for Janick would cost him the following per month:

• Loan Amount (principal) = $60000
• Interest Rate = 2.55%
• Term Length = 25 year
• Monthly Payment = $270.68
• Total Paid Back = $81205.01
• Total Interest = $21205.01

He was quickly approved for the new mortgage amount he had requested. The lender needed to have an appraisal completed to establish the value of the home.

This was really just a step in the process to dot the I’s and cross the T’s in an otherwise straight forward mortgage application and approval process.

His home was easily worth more than the mortgage he is applying for.

He declined to take on a line of credit. A line of credit would have provided him with more flexibility in the future in terms of how quickly he can repay the mortgage without penalty and of course borrow against it up to the approved limit any time he needed to deal with some financial emergency.

The interest rate would have been a bit higher as well and would have cost him added interest charges. He is confident in managing his financial affairs and wanted to minimize the total cost of his mortgage.

Do you live in Anaheim and need a debt consolidation 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 WeFindLenders.com contributor with an extensive background in personal finance and money management.

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Education & Employment Advancement Opportunities in Anaheim CA

Having money problems? Can't keep up with your bills? Consider upgrading your education and/or seek more lucrative employment in Anaheim area.

Job Search: Indeed / Snag-A-Job

EDU Advancement: College / University

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Credit Counseling In Anaheim

Anaheim Credit Counsellors Map - Initial Static Image

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Mr. Credit Repair
5753 E Santa Ana Canyon Rd #172 Anaheim
CA 92807 / www.mrcreditrepair.biz
714.381.1723

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Rebuild Your Own Credit
6021 E La Paz Way, Anaheim
CA 92807 / www.REMOVE.biz
714.906.7178

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Innovative Credit Restoration
8th Floor, 2400 E Katella Ave
Anaheim / CA 92806
www.icreditrestoration.com
800.929.9817

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Anaheim Assistance Programs

Food Bank: Orange County Food Bank / Address: 11870 Monarch Street, Garden Grove, CA 92841 / Phone: 714.897.6670

Hot/Cold Meals: Mary's Kitchen / Address: 517 West Struck Avenue, Orange, CA 92867 / Phone: 714.633.0444

Shelter In Case of Eviction: Bridges at Kraemer Place Homeless Shelter / Address: 1000 North Kraemer Place, Anaheim, CA 92806 / Phone: 714.836.7188

Social Assistance Programs: Social Services for Anaheim Residents / Address: 3320 East La Palma Avenue, Anaheim, CA 92806 / Phone: 800.281.9799

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Usury and Regs. Governing Anaheim

California DOB Website / California Usury Law Codes

Summary of California Usury Law(s) / Legal: 7% Contract: 10% for personal, family or household purposes or any other purposes / Judgment: 10% / file an online complaint, or learn more about the legal code(s) applicable to the State of California view our California State page.

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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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