Fair Credit Lenders in Chula Vista
CA
Lenders can contact
us for listing removal.
California Coast Credit Union
386 E H St #213, Chula Vista, CA 91910
www.calcoastcu.org
+1 858-495-1600
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SDCCU
Chula Vista Branch
303-1 H St, Chula Vista, CA 91910
www.sdccu.com
+1 877-732-2848
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San Diego Metropolitan Credit Union
344 F St, Chula Vista, CA 91910
www.sdmcu.org
+1 619-297-4835
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USE
Credit Union
1351 Medical Center Dr, Chula Vista
CA 91911 / www.usecu.org
+1 866-873-4968
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North Island Credit Union
884 Eastlake Pkwy #1615, Chula Vista
CA 91915 / northisland.ccu.com
+1 800-334-8788
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Mission
Federal Credit Union Terra Nova
354 E H St, Chula Vista, CA 91910
www.missionfed.com
+1 800-500-6328
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Cabrillo Credit Union
394 E H St, Chula Vista, CA 91910
www.cabrillocu.com
+1 858-547-7400
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Union
Bank
1343 3rd Ave, Chula Vista, CA 91911
blw.unionbank.com
+1 619-498-3175
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Banner Bank
279 F St, Chula Vista, CA 91910
locations.bannerbank.com
+1 619-827-8100
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First
Bank
318 4th Ave, Chula Vista, CA 91910
www.firstbanks.com
+1 619-476-3200
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Bad Credit
Loan Form for Chula Vista
Chula Vista CA Lender
Service Area Map
Tap image for interactive
map.
Chula Vista
5x5 Loan App Volume
Top 5 list of neighborhoods
in Chula Vista for pre-app volume. Source:
WFL
Lender Pool Data. Updated
Monthly.
- Salt Creek
- Castle Park
- San Miguel Ranch
- Otay Ranch
- Mid-Broadway District
Bad Credit Loan In Chula Vista
Belinda works as a lab tech assistant for the Chula
Vista CA police department.
She just left her husband due to his violent temper.
She was raising her two kids aged 2 and 5. At the time of her application
she was at the lowest point in her life.
She was thankful to have a steady income of around $40,000
per year as a lab tech. But this is the money she owed at the time.
These are the debts she wanted to consolidate.
$25K for a car loan
$15K credit card dent
$20K in medical debt
$5000 personal loan left
The car loan was at an interest rate of 8.33%. Credit
cards averaged 19.12%, medical treatment debt rate unknown, and $5000
left of a personal loan with a 12.43% rate.
She desperately wanted to get one lower rate for all
of these balances and she started with her local bank. Her bank branch
wasn't happy about having to decline her request for credit, but they
had no choice within the boundaries of their lending policies and procedures
manual.
The she made the mistake of applying a few local Chula
Vista banks (which we won't mention the names of) and she was declined
there to.
This is the classic mistake. If a lender turns you down
you need to find the exact reason why, and then look into your credit
rating. The lender will be able to tell you your score and they can
advise you on how to clean up your credit.
You would be surprised how many loan officers love to
help applicants with advice. They will even turn you on to professional
help if you're interested.
Ultimately, Belinda did get approved for a consolidation
loan. Here is the math on that loan.
• Debt Consolidation Amount = $65000
• Interest Rate = 8.67%
• Term Length = 7
• Monthly Payment = $1034.94
• Total Paid Back = $86,934.7
• Total Interest = $21,934.7
Take special note of her interest rate at 8.67%. See
how it's actually higher than her first original car loan rate at 8.33%.
She agreed to this rate because the consolidation lender wanted her
car as collateral on the note.
But even so, Belinda was way ahead on interest over
what she was originally paying. Even better, she only had to concern
herself with paying one creditor each month. In her case she chose to
pay biweekly, which cut down on the over all APR of loan.
Here is a list of the offers the got emailed to her.
Nation wide lender @ 10.09%
CA State lender #1 @ 8.67%
CA State lender #2 @ 8.99%
Chula Vista local lender @ 9.70%
It's clear that she had to choose the deal for 8.67%
from the lender that services all of California. Not only was the rate
the best, this private lender offered more flexible payment plans.
This is a very common lender used by people who live
in New York and find themselves unable to get approved for a loan with
a commercial bank branch or credit union.
Do you live in Chula Vista and need a
bad credit 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 Chula Vista CA
Having money problems? Can't keep up with
your bills? Consider upgrading your education and/or seek more lucrative
employment in Chula Vista area.
Job Search: Indeed
/ Snag-A-Job
EDU Advancement:
College / University
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Credit Counseling
In Chula Vista
Tap image for interactive
map.
San
Diego Credit Corner
2571 Mast Way, Chula Vista, CA 91914
www.sdcreditcorner.com
+1 619-800-4393
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Credit
Repair Mike
2371 Fenton St, Chula Vista, CA 91914
+1 619-743-8884
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Financial
Education Services
2505 Whispering Palms Loop, Chula Vista
,CA 91915 / www.raisemycreditscore.org
+1 619-734-9454
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Federal Resources
FTC
Budget PDF / USA.GOV
Debt Info
Chula Vista Non-Profit Services
Food Bank: South Bay
Community Services / Address: 430 F Street, Chula Vista, CA 91910 / Phone:
619.420.3620
Hot/Cold Meals: San Diego
Food Bank / Address: 9850 Distribution Avenue, San Diego, CA 92121 / Phone:
858.527.1419
Shelter In Case of Eviction:
Catholic Charities / Address: 293 H Street, Chula Vista, CA 91910 / Phone:
619.498.0722
Social Assistance Programs:
San Diego County HHSA South Region (Chula Vista)
/ Address: 690 Oxford Street A, Chula Vista, CA 91911 / Phone: 866.262.9881
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Usury and
Regs. Governing Chula Vista
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
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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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