Fair Credit Lenders in Modesto
CA
Lenders can contact
us for listing removal.
OneMain Financial
2900 Standiford Ave Ste 12, Modesto, CA 95350
www.onemainfinancial.com
209.522.3247
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Modesto's First Federal Credit Union
430 12th St, Modesto, CA 95354
www.m1fcu.org
209.521.2020
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Mocse Credit Union
3600 Coffee Rd, Modesto, CA 95355
www.mocse.org
209.572.3600
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Self-Help Federal Credit Union
2504 Tenaya Dr, Modesto, CA 95354
www.self-helpfcu.org
877.369.2828
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Organized Labor Credit Union
2112 McHenry Ave # A, Modesto, CA 95350
www.olcu.org
209.527.8731
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Golden 1 Credit Union
2001 McHenry Ave f, Modesto, CA 95350
www.golden1.com
877.465.3361
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OE Federal Credit Union
538 McHenry Ave Ste. A, Modesto, CA 95354
www.oefcu.org
209.525.8460
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California Community CU
3600 Sisk Rd #4L, Modesto, CA 95356
www.caccu.org
209.544.3971
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TitleMax Title Loans
1440 E Hatch Rd Suite 101, Modesto, CA 95351
www.titlemax.com
209.538.1338
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OneMain Financial
2900 Standiford Ave Ste 12, Modesto, CA 95350
www.onemainfinancial.com
209.522.3247
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Bad Credit
Loan Form for Modesto
Modesto CA Lender Service Area
Map
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image for larger interactive map.
Modesto
5x5 Loan App Volume
Top 5 list of neighborhoods
in Modesto for pre-app volume. Source:
WFL
Lender Pool Data. Updated
Monthly.
- North Side
- Central Modesto
- South Side
- Airport
- Bret Harte
Signature Loan In Modesto
Lyn is trying to purchase a small home on the outskirts
of town. It is actually a small cottage that is selling for a lot less
than something similar in town.
She has enough for the down payment and has been approved
for the mortgage, however she would like to be able to spend some additional
money fixing it up.
The cottage and the grounds around it have not been
well looked after.
This is most probably the reason she is getting such
a good deal on the home.
In its present condition, the appraisal came in at a
little more than what she paid for it, but not enough to support this
loan application.
She has applied for a debt consolidation loan.
The yard is full of weeds. They need to be removed and
grass seed planted so that she will have a decent looking lawn.
She would also like a few shrubs. She really needs to
have a fence installed to keep her dog from running around the neighborhood
as well as her children when they are outside playing.
Inside, new carpets and new paint would do wonders for
the place. It is looking quite tired looking.
Based on the inspection report there are no major items
that need to be repaired although there is a lot of updating that could
be completed.
Everything from redoing the bathroom to installing a
new kitchen would really make the place look great again and increase
the value of the home substantially.
All of this work would cost around $35k. She has applied
for a $35000 debt consolidation loan to help her complete all of these
improvements with a term of seven years to keep the monthly payments
as low as possible.
A $35000 loan with an seven-year term and 4.4% interest
rate for Lyn would cost her the following per month:
• Loan Amount (principal) = $35000
• Interest Rate = 4.4%
• Term Length = 7 year
• Monthly Payment = $484.88
• Total Paid Back = $40729.87
• Total Interest = $5729.87
Unfortunately, Lyn does not have sufficient income to
support another loan of this size along with her mortgage payment, utilities
and living expenses.
She might qualify for a smaller loan and would have
to reapply to confirm approval.
She is caught in a difficult situation. If she were
to invest in these improvements her home according to the agent would
increase in value much more than the money she is planning to invest
in it.
But she cannot borrow the funds and does not have sufficient
savings to invest in the home.
Her agent suggested that she tackle the improvements
in stages.
She plans to live in this house for some time and although
she would like everything done now so she can enjoy it, this might be
the only approach.
She may also be able to enlist the help of friends and
family to help her make the improvements she wants and save a lot of
money.
Lyn is evaluating her options, assessing her priorities
and also determining what free help she can rely on. If she can find
free labor then she will just need to borrow money for the materials.
She will prepare another application one this step is
completed.
Are you a Modesto
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 Modesto CA
Having money problems? Can't keep up with
your bills? Consider upgrading your education and/or seek more lucrative
employment in Modesto area.
Job Search: Indeed
/ Snag-A-Job
EDU Advancement:
College / University
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Credit Counseling
In Modesto
Tap image
for larger interactive map.
Clear Point Credit Counseling
1101 Sylvan Ave, Modesto, CA 95356
www.clearpoint.org
209.409.3942
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Organized Labor Credit Union
2112 McHenry Ave # A, Modesto, CA 95350
www.olcu.org
209.527.8731
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A American Debt Consolidation
901 H St, Modesto, CA 95354
209.527.1371
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Federal Resources
FTC
Budget PDF / USA.GOV
Debt Info
Modesto Non-Profit Services
Food Bank: Second Baptist
Church Food Bank / Address: 529 California Avenue / Modesto, CA 95351
/ Phone: +1 209-529-5493
Hot/Cold Meals: Modesto
Love Center / Address: 617 Winmoore Way F, Modesto, CA 95358 / Phone:
+1 209-538-9700
Shelter In Case of Eviction:
Modesto Gospel Mission / Address: 1400 Yosemite Boulevard, Modesto, CA
95354 / Phone: +1 209-529-8259
Social Assistance Programs:
Community Services Agency / Address: 251 Hackett
Road, Modesto, CA 95358 / Phone: +1 209-558-2500
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Usury and
Regs. Governing Modesto
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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