Bakersfield CA
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California Lenders > Bakersfield

Last updated September 2018

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Fair Credit Lenders in Bakersfield CA

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Kern Federal Credit Union
1717 Truxtun Avenue
Bakersfield, CA 93301
www.kernfcu.org
661.327.9461

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AltaOne Federal Credit Union
6501 Ming Avenue
Bakersfield, CA 93309
altaone.org
661.397.2555

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Wells Fargo Bank
10610 Stockdale Highway Suite A
Bakersfield, CA 93311
www.wellsfargo.com
661.493.2915

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Altaone Federal Credit Union
11211 River Run Boulevard
Bakersfield, CA 93311
altaone.org
661.664.2515

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Kern Federal Credit Union
4180 Coffee Road, Bakersfield
CA 93308 - www.kernfcu.org
661.327.9461

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Wells Fargo Bank
8000 White Lane Suite A
Bakersfield, CA 93309
www.wellsfargo.com
661.396.2240

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Pan American Bank
3401 Pacheco Road Number A
Bakersfield, CA 93313
www.panambk.com
661.323.2707

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Chase Bank
4040 California Avenue
Bakersfield, CA 93309
locator.chase.com
661.322.4053

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Valley Republic Bank
5000 California Avenue
Bakersfield, CA 93309
www.valleyrepublicbank.com
661.371.2000

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Bad Credit Loan Form for Bakersfield

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

Learn about GAP (Gift Angel Program)

 

Bakersfield CA Lender Service Area Map

Bakersfield Bad Credit Lenders Map - Initial Static Image

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Bakersfield 5x5 Loan App Volume

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

  1. Rio Bravo
  2. West Park Community
  3. Seven Oaks
  4. Brighton
  5. Southern Oaks
 

Fox Theatre in Bakersfield California: Licensing/Credit

Bad Credit Loan In Bakersfield

Kelly just needs $2000 to help her get through this month. She lost her job and it took her 2 weeks to find another. She does not qualify for any kind of support i.e. unemployment and does not have sufficient money set aside to pay her utilities and rent at the end of the month.

Losing her job was bad enough, she also had a few minor medical issues which she had to pay for out of her own pocket. When bills add up they usually come all at the same time and this is what happened to Kelly.

She had to spend $500 of her own money to deal with pain and support devices after she sprained her ankle during her day off from work.

Her employer was good to her and did not fire her from her job, however three weeks later after she had returned full time to work, her employer had to declare bankruptcy.

She lost about 1.5 weeks pay for work she had done. There was no money to pay employees. Then it took her another two weeks to find another job.

Money is short and she really needs to pay her rent or risk losing a place to live. She lives pay check to pay check.

Fortunately, the new job pays more than the last one so she will be able to afford the rent and utility payments as well as the increased cost of this loan which will cost her close to $100 a month.

She wants to try and pay it back more quickly than the two year term she has requested.

A $2k loan with a two-year term and 8.56% interest rate for Kelly would cost her the following per month:

• Loan Amount (principal) = $2000
• Interest Rate = 8.56%
• Term Length = 2 year
• Monthly Payment = $90.97
• Total Paid Back = $2183.19
• Total Interest = $183.19

Kelly is gradually getting her financial affairs back in order. With the $2000 loan she was able to meet all of her monthly commitments for utilities and most important her rent payment.

She has a good landlord and they were actually willing to allow her to be three weeks late with the rent with no penalty. They new she was struggling and had found another job. She is a good tenant and they want to keep her as a tenant.

She is very disciplined about meeting her commitments. Her lender has the greatest confidence that Kelly will repay this loan on time, if not before the term is up.

She has a credit card which she hardly ever uses and although her credit score is not the best, they feel confident about her commitment to repay the loan.

Her credit score is low because she does not have much in the way of history to demonstrate credit worthiness. Kelly’s credit score will improve with this loan and its repayment.

She should consider borrowing money more often and building a credit rating that will allow her to borrow money at better rates.

Are you a Bakersfield resident and need a loan regardless of bad credit. We're here to help!

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 Bakersfield CA

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

Job Search: Indeed / Monster

EDU Advancement: College / University

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Credit Counseling In Bakersfield

Bakersfield Credit Counsellors Map - Initial Static Image

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Balance Credit Counseling
4949 Buckley Way Suite 111
Bakersfield, CA 93309
www.balancepro.org
800.777.7526

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Innovative Credit Solutions
2105 24th Street #200
Bakersfield, CA 93301
www.bakersfieldcreditrepair.com
661.369.8130

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Bakersfield Credit Repair
1523 Panama Lane E101
Bakersfield, CA 93307
661.304.8563

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Bakersfield Assistance Programs

Food Bank: Hope Center / Address: 3311 Manor Street, Bakersfield, CA 93308 / Phone: 661.399.2119

Hot/Cold Meals: The Mission at Kern County / Address: 816 East 21st Street, Bakersfield, CA 93305 / Phone: 661.325.0863

Shelter In Case of Eviction: Bakersfield Homeless Center / Address: 1600 East Truxtun Avenue, Bakersfield, CA 93305 / Phone: 661.322.9199

Social Assistance Programs: Kern County Human Services of Bakersfield / Address: 100 East California Avenue, Bakersfield, CA 93307 / Phone: 661.631.6000

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Usury and Regs. Governing Bakersfield

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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