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California Lenders > Fresno

Last updated November 2018

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Fair Credit Lenders in Fresno CA

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Valley First Credit Union
618 E Shaw Avenue, Fresno
CA 93710 - www.valleyfirstcu.org
559.275.3944

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Noble Credit Union
3067 W Bullard Avenue, Fresno
CA 93711 - www.noblecu.com
559.252.5000

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United Local Credit Union
3650 Ashlan Avenue, Fresno
CA 93726 - www.unitedlocal.org
559.227.8329

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Golden 1 Credit Union
111 E Shaw Avenue, Fresno
CA 93710 - www.golden1.com
877.465.3361

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Golden 1 Credit Union
2970 E Nees Avenue, Fresno
CA 93720 - www.golden1.com
877.465.3361

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Fresno First Bank
7690 N Palm Avenue #101, Fresno
CA 93711 - www.fresnofirstbank.com
559.439.0200

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Suncrest Bank
663 W Nees Avenue, Fresno
CA 93711 - www.suncrestbank.com
559.225.1700

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Murphy Bank
5180 N Palm Avenue #101, Fresno
CA 93704 - www.murphybank.com
559.225.0225

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Premier Valley Bank
255 E River Park Cir #180, Fresno
CA 93720 - www.premiervalleybank.com
559.438.2002

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Chase Bank
4848 E Kings Canyon Road Syite 103
Fresno, CA 93727 - locator.chase.com
559.453.9857

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Bad Credit Loan Form for Fresno

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

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Fresno 5x5 Loan App Volume

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

  1. Chinatown
  2. Sunnyside/Fresno County
  3. Mural District
  4. Biola Junction
  5. Lowell
 

Fresno Arch on Van Ness Avenue: Licensing/Credit

Personal Loan In Fresno CA

Art and his family recently lost their father and it is time to execute the estate and divide up the proceeds between the siblings.

His father did not have much in the way of assets. There was the house, a vintage car and a small amount of savings.

They had to place a mortgage on the home to help pay for some of the medical bills, so there really is not a lot of equity left in the home to give to his heirs.

The upshot of all of this is that Art is going to take the car and the cash along with the value of the car will be divided between them. The car actually is worth quite a bit.

After having it appraised, Art is going to need to provide $11,000 to the estate since his share of the estate will not cover the full value of the vehicle.

He really would like to have his dad’s car. He spent many hours working on the car with his dad and it has a lot of memories for him.

He would like to take out a loan of $11000 with a five year term and at as low an interest rate as he can obtain.

This money will be paid into the estate and used to pay each of the siblings their share of the estate. Art does not have the ready cash to meet the money he owes.

He has retirement saving s which he does not want to touch and he has several small loans. His own home is paid for so he is actually in good shape financially.

A $11000 loan with an five-year term and 4.5% interest rate for Art would cost him the following per month:

• Loan Amount (principal) = $11000
• Interest Rate = 4.5%
• Term Length = 5 year
• Monthly Payment = $205.07
• Total Paid Back = $12304.39
• Total Interest = $1304.39

The loan payments are very affordable for Art and he was able to move his dad’s car from his dad’s home to his own. He only takes the car out on sunny days and plans to keep it in pristine condition for as long as he can.

His son has expressed some interest in it as well. Art plans to keep the car for many years since it represents so many great memories.

The loan is spread over five years, however Art may decide to repay the loan early just to avoid having what is too much debt in his mind.

He actually is in very good shape for a retiree with little debt and reasonable retirement income. He and his wife go on several trips each year.

They may have to cut back on one trip this year in order to pay for this car which is fine in his mind although his wife is not sure about it.

She can understand his attachment to the car, but after all it is just a car. Right now Art is enjoying his dad’s car and plans to treat it as his baby!

Are you a Fresno 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 Fresno CA

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

Job Search: Indeed / Monster

EDU Advancement: College / University

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Credit Counseling In Fresno CA

Fresno Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling Services
4270 N Blackstone Ave Fresno
CA 93726 - 559.650.7658

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Fresno Credit Repair
8078 N Maroa Ave #201, Fresno
CA 93711 - www.fresnocreditrepair.com
877.700.3979

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Valley View Credit Repair
2350 W Shaw Ave Suite 131, Fresno
CA 93711 - www.valleyviewcreditrepair.com
559.340.4620

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Clearpoint Credit Counseling Solutions
4969 E McKinley Ave Suite 107, Fresno
CA 93727 - www.clearpoint.org
559.255.3731

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Fresno Assistance Programs

Food Bank: Central California Food Bank / Address: 4010 East Amendola Drive, Fresno, CA 93725 / Phone: 559.237.3663

Hot/Cold Meals: Poverello House / Address: 412 F Street, Fresno, CA 93706 / Phone: 559.498.6988

Shelter In Case of Eviction: Fresno Rescue Mission / Address: 310 G Street, Fresno, CA 93706 / Phone: 559.268.0839

Social Assistance Programs: Fresno County Social Services Department / Address: 3151 North Millbrook Avenue, Fresno, CA 93703 / Phone: 559.600.9980

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Usury and Regs. Governing Fresno

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)
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  • Interest rates starting as low as 9% (cs)
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  • 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
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  • Interest rates starting as low as 7% (cs)
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  • Borrow between $500 and $150,000
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  • Debt settlement or debt relief services
  • 300+ lenders can review your application
  • Interest rates starting as low as 7% (cs)
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  • Borrow form $5000 - $150,000

 

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