Modesto CA
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California Lenders > Modesto

Last updated May 2019

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Fair Credit Lenders in Modesto CA

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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

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Modesto CA Lender Service Area Map

Modesto Bad Credit Lenders Map - Initial Static Image

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Modesto 5x5 Loan App Volume

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

  1. Northwest Modesto
  2. Central Modesto
  3. Riverdale Park
  4. Shackelford
  5. Robertson Road

Modesto Arch: Licensing/Credit

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

Modesto Credit Counsellors Map - Initial Static Image

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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 Assistance Programs

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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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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