Fremont CA
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California Lenders > Fremont

Last updated November 2018

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Fair Credit Lenders in Fremont CA

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Patelco Credit Union
5166 Mowry Avenue Fremont
CA 94538 - www.patelco.org
800.358.8228

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UNIFY Financial Credit Union
39174 Argonaut Way, Fremont
CA 94538 - www.unifyfcu.com
877.254.9328

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Technology Credit Union
43848 Pacific Commons Boulevard
Fremont CA 94538 - www.techcu.com
510.353.1655

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1st United Credit Union
2710 Mowry Avenue, Fremont
CA 94538 - 1stunitedcu.org
800.649.0193

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BCU
47215 Lakeview Boulevard, Fremont
CA 94538 - www.bcu.org
800.388.7000

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Chase Bank
39395 Paseo Padre Parkway, Fremont
CA 94538 - locator.chase.com
510.796.3223

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Fremont Bank Mission Valley Branch
40031 Mission Boulevard, Fremont
CA 94539 - www.fremontbank.com
510.440.3011

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Fremont Bank Warm Springs Branch
46635 Mission Boulevard, Fremont
CA 94539 - www.fremontbank.com
510.440.3021

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Chase Bank
3906 Washington Boulevard, Fremont
CA 94538 - locator.chase.com
510.979.0168

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Wells Fargo Bank
5191 Mowry Avenue Fremont
CA 94538 - www.wellsfargo.com
510.797.8405

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Bad Credit Loan Form for Fremont

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Fremont CA Lender Service Area Map

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Fremont 5x5 Loan App Volume

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

  1. South Sundale
  2. Northgate
  3. Weibel
  4. Cameron Hills
  5. Niles
 

Washington Union High School Fremont: Licensing/Credit

Business Loan In Fremont

JP wants to expand his small business. He has been moon lighting for the last couple of years doing landscaping and odd jobs for home owners in the area.

He would do this work for very reasonable prices in the evenings and on weekends. JP does great work and his clients appreciate the attention to detail that he provides when he is working on their property.

He was recently laid off from his full time job and has a major decision to make. JP can either look for another full time job that will provide him with a regular income and possibly health benefits or he can take his part time to the next level.

It would mean that he needs to add some equipment, hire a helper and an accountant or office manager full time to take calls etc. He wants to start small and build it as he goes adding more customers based on word of mouth etc.

At the present time he already has fifteen customers. If he can add another twenty regular customers or several larger ones, he can work full time at his new small business and make a decent living.

While he does not have a business plan for his business, he has spoken with his accountant regarding what he needs to do to protect himself from a legal and financial perspective.

JP wants to begin with a small operating loan of $15k that he can draw on as needed and repay as he bills customers.

He feels with the experience he has in the landscaping business and the support of his accountant regarding billing etc. that he can run a profitable business.

He knows he must add customers if he really expects to make a living at this kind of business.

A $15k loan with a five-year term and 9.9% interest rate for JP would cost him the following per month:

• Loan Amount (principal) = $15000
• Interest Rate = 9.9%
• Term Length = 5 year
• Monthly Payment = $317.97
• Total Paid Back = $19078.09
• Total Interest = $4078.09

The interest rate offered at this time is not great because this is a new business with nothing to offer as equity for security of the loan.

The lender feels that this is a small loan and worth the perceived risk. JP provided a list of his current customers and a record of his monthly billings based on his part time business so far.

Before he can be approved for the operating loan he is applying for, JP must develop a business plan showing his anticipated revenue and expenses for his new business.

He must make assumptions about adding customers and projects that are going to generate the income he needs. He also must show his plans for growth.

In other words, how will he attract new customers and how will his expense for equipment and staff grow at the same time. He has agreed to provide this information and will develop the plan with the help of his accountant.

In the mean time, JP is not waiting around. He has already acquired two new customers and his existing customers have added some new projects as well. Looks like he is well on the way to taking his new business to a full time gig.

Are you a Fremont 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 Fremont CA

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

Job Search: Indeed / Monster

EDU Advancement: College / University

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Credit Counseling In Fremont

Fremont Credit Counsellors Map - Initial Static Image

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Fremont Credit Counseling
39390 Fremont Boulevard Fremont
CA 94538 - 510.284.0085

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Integrated Financial Solutions
3984 Washington Boulevard #301
Fremont - CA 94538 - 510.226.7196
integratedfinancialsolutions.com

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Keypoint Credit Services
39120 Argonaut Way, Fremont
CA 94538 - keypointcreditservices.com
800.745.7400

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RCRSI Credit Repair Services
39111 Paseo Padre Parkway, Fremont
CA 94538 - www.rcrsi.com
510.505.0411

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Fremont Assistance Programs

Food Bank: Tri-City Volunteers Food Bank + Thrift Store / Address: 37350 Joseph Street, Fremont, CA 94536 / Phone: 510.793.4583

Hot/Cold Meals: Centerville Free Dining Room / Address: 4360 Central Avenue, Fremont, CA 94536 / Phone: 510.793.9063

Shelter In Case of Eviction: Sunrise Village / Address: 588 Brown Road, Fremont, CA 94539 / Phone: 510.252.0910

Social Assistance Programs: Alameda County Social Services / Address: 39155 Liberty Street C330, Fremont, CA 94536 / Phone: 510.795.2428

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Usury and Regs. Governing Fremont

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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