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California Lenders > Irvine

Last updated July 2018

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Fair Credit Lenders in Irvine CA

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Orange County's Credit Union
6448 Irvine Boulevard Irvine
CA 92620 - www.orangecountyscu.org
888.354.6228

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USC Credit Union - OC Branch
2272 Michelson Drive, Irvine
CA 92612 - www.usccreditunion.org
877.670.5860

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UNIFY Financial Credit Union
4520 Barranca Parkway, Irvine
CA 92604 - www.unifyfcu.com
877.254.9328

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SchoolsFirst Federal Credit Union - Irvine
5305 Alton Parkway, Irvine
CA 92604 - www.schoolsfirstfcu.org
800.462.8328

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Wescom Credit Union | Irvine Branch
15378 Alton Parkway, Irvine
CA 92618 - www.wescom.org
888.493.7266

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Wells Fargo Bank
4850 Barranca Parkway, Irvine
CA 92604 - www.wellsfargo.com
949.552.2049

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Sunwest Bank
2050 Main Street #300, Irvine
CA 92614 - www.sunwestbank.com
800.330.9890

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Opus Bank
19900 MacArthur Blvd Suite 190, Irvine
CA 92612 - www.opusbank.com
949.517.0961

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HomeStreet Bank
17901 Von Karman Avenue #100, Irvine
CA 92614 - www.homestreet.com
949.221.0001

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Pacific Enterprise Bank
17748 Sky Park Circle #100, Irvine
CA 92614 - 949.623.7600
www.pacificenterprisebank.com

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Bad Credit Loan Form for Irvine

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Irvine CA Lender Service Area Map

Irvine 5x5 Loan App Volume

Top 5 list of neighborhoods in Irvine for pre-app volume. Source: WFL Lender Pool Data. Updated Monthly. See all California personal loan volume data.

  1. Shady Canyon
  2. Northwood
  3. Northpark Square
  4. East Irvine
  5. Irvine Technology Center

Loan to Stop Eviction in Irvine CA

Allan got behind on his rent payments and now his landlord is threatening eviction if he does not come up with the money in the next few days.

He tried to pay part of what he owes, however the landlord has had enough. He wants the total amount owed or he is initiating eviction in two days time.

Allan owes a total of three months rent which is a pretty large amount however, he has enough for one month and will have another month’s worth in a week’s time when he receives his pay check.

The landlord wants everything now or not at all.

Allan suspects that the landlord also wants to raise the rent. He thinks that not only has the landlord run out of patience, he sees this as an opportunity to evict Allan and raise the rent at the same time with a new tenant.

Allan is looking for a relatively small loan. He has two months saved and he just needs to have a loan for $1100 to cover the remaining month. If he is evicted, the landlord will initiate a collection process and his credit score will suffer.

In order to avoid getting into the same predicament in a few months, he is thinking of taking a loan for double the amount so that he has the money for next month as well.

He does not want to risk giving the landlord an excuse to begin the eviction process. He feels that the landlord just needs an excuse to get rid of him.

A $2200 loan with a one-year term and 7% interest rate for Allan would cost him the following per month:

• Loan Amount (principal) = $2200
• Interest Rate = 7%
• Term Length = 1 year
• Monthly Payment = $190.36
• Total Paid Back = $2284.31
• Total Interest = $84.31

Allan is right about two things. If he does not pay his overdue rent this week, his landlord will start the eviction process and he will begin the collection process.

His overdue account will be referred to a debt collector who will hound him until the money he owes is paid. It will also affect his credit score in a big way due to the overdue unpaid accounts, the eviction and the debt collection.

He needs to pay his rent in full this week. Fortunately, lenders were willing to provide him with a loan to pay his rent.

The actual payment was made directly to his land lord along with a check from Allan to cover the 3rd month that he owes. This step was taken to ensure that the money was used for the stated purpose.

A lien was also placed against Allan’s car for the loan. If Allan misses his loan payments, his car will be repossessed and sold to pay for the remaining balance of the loan.

Allan knows that he needs to be serious about meeting his rent and his loan payments. He is trying to work overtime and obtain as many hours as he can to repay the loan in less than a year.

He is trying to turn over a new leaf and wants to maintain his credit score and his record with his landlord.

Are you a Irvine 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 Irvine CA

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

Job Search: Indeed / Monster

EDU Advancement: College / University

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Credit Counseling In Irvine CA

Crisis Credit Counseling, Inc.
15500 Rockfield Blvd Irvine
CA 92618 - 949.612.0988

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GreenPath Financial Wellness
1561 E Orangethorpe Ave Suite 100
Fullerton, CA 92831
www.greenpath.com
800.550.1961

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American Debt Rescue
17911 Sky Park Cir, Irvine
CA 92614 - 949.379.2929

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Usury and Regs. Governing Irvine

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
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  • Funding between 24 hours and 5 days
  • Terms from 6 months to 10 years
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  • Interest rates starting as low as 7% (cs)
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  • 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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