Fair Credit Lenders in Anaheim
CA
Lenders can contact
us for listing removal.
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
Anaheim CA Lender Service Area
Map
Tap image for interactive
map.
Anaheim
5x5 Loan App Volume
Top 5 list of neighborhoods
in Anaheim for pre-app volume. Source:
WFL
Lender Pool Data. Updated
Monthly.
- North Central
- North Euclid
- Sycamore Canyon
- Anaheim Resort
- East Center Street
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
Tap image for interactive
map.
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 Non-Profit Services
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
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