Moreno Valley CA
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California Lenders > Moreno Valley

Last updated November 2018

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Fair Credit Lenders in Moreno Valley CA

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Altura Credit Union
23540 Cactus Ave Moreno Valley
CA 92553 - www.alturacu.com
888.883.7228

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Altura Credit Union
27130 Eucalyptus Ave, Moreno Valley
CA 92555 - www.alturacu.com
888.883.7228

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SchoolsFirst Federal Credit Union
12831 Moreno Beach Drive #108
Moreno Valley - CA 92555
www.schoolsfirstfcu.org
800.462.8328

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Provident Bank
12460 Heacock St, Moreno Valley
CA 92553 - www.myprovident.com
951.242.3149

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Chase Bank
26220 Iris Ave, Moreno Valley
CA 92555 - locator.chase.com
951.247.4415

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Chase Bank
22950 Towngate Blvd, Moreno Valley
CA 92553 - locator.chase.com
951.653.0347

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Wells Fargo Bank
12625 Frederick St Ste U, Moreno Valley
CA 92553 - www.wellsfargo.com
951.653.0435

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Wells Fargo Bank
14395 Moreno Beach Drive Moreno Valley
CA 92555 - www.wellsfargo.com
951.486.3536

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Clearpath Federal Credit Union
12625 Frederick Street i-2, Moreno Valley
CA 92553 - www.clearpathfcu.org
800.433.7328

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Bad Credit Loan Form for Moreno Valley

Fast Loan Pre-App Method
Accessing Bad Credit Lender Pool (?)

Learn about GAP (Gift Angel Program)

 

Moreno Valley CA Lender Area Map

Moreno Valley Bad Credit Lenders Map - Initial Static Image

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Moreno Valley 5x5 Loan App Volume

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

  1. Butterfield
  2. Serrano
  3. Chaparral Hills
  4. Seneca
  5. Ridgecrest
 

Sunnymead Ranch Lake in Moreno Valley: Still from Youtube Video

Student Loan In Moreno Valley CA

Jacque needs a student loan to help him pay for his last year at college. He has been lucky in that he had a part time job all through high school and also worked while going to college.

He was able to pay almost all of his expenses for college including books, tuition and living expenses for the first couple of years.

He is going to run out of money shortly and he has calculated his expenses for his last year and developed a tight budget. If he can keep working part time and keep to his budget, he will still be $8000 short.

He is hoping to be able to apply for and be approved for a student loan to help him with the rest of his education.

There are lots of student loan packages available. Some with no payments until you graduate, although interest continues to be accrued on the total balance.

This means compound interest on the loan which gets pretty expensive. Then there are loans where you just pay the interest only and not any of the principle.

Once the student graduates, they begin paying the loan in regular payments of interest plus principle, just like any other loan.

Finally, there are student loans with low interest rates that are just like any other loan. They are attractive because of the really low interest rates.

All of the loans require someone who qualifies for the loan with a good to excellent credit rating to cosign for the loan. They will end up paying for the loan if Jacque in this case misses any payments on the loan.

A $8000 loan with an seven-year term and 2.5% interest rate for Jacque would cost him the following per month:

• Loan Amount (principal) = $8000
• Interest Rate = 2.5%
• Term Length = 8 year
• Monthly Payment = $103.91
• Total Paid Back = $8728.72
• Total Interest = $728.72

Jacque along with his father opted for the regular low interest loan. He is committed to meeting the monthly payments even while going to college.

He factored this into his budget and thinks that he will have no problem meeting the monthly commitment. This is by far the least expensive option for him to take.

He will pay the smallest amount of interest of the three scenarios. His father also feels that this is the best approach.

This is also a way for Jacque to begin building a credit rating as well. Even though the loan was cosigned by his father, if he can meet all of the terms and conditions of the loan, it will be a positive rating for his credit score.

After he graduates and has a full time job he may pay it off before it is due. He will also apply for credit cards, take out a car loan etc. All of these items will contribute to a positive credit score assuming that he meets all of the commitments to paying his bills on time.

If he misses a payment on his student loan, both his credit score and his dad’s will suffer since his dad has co-signed. That’s a pretty big commitment and we are confident that Jacque will meet his commitment. He just seems the type.

Are you a Moreno Valley 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 Moreno Valley CA

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

Job Search: Indeed / Monster

EDU Advancement: College / University

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Moreno Valley Assistance Programs

Food Bank: Salvation Army Moreno Valley / Address: 14068 Graham Street #101, Moreno Valley, CA 92553 / Phone: 951.656.1822

Hot/Cold Meals: Al Rahma Food Bank / Address: U104, 12125 Day Street, Moreno Valley, CA 92557

Shelter In Case of Eviction: Garden Path Ministries Focus Outreach / Address: 14329 Frederick Street #7-9, Moreno Valley, CA 92553 / Phone: 951.656.6633

Social Assistance Programs: Community Assistance Program / Address: 24594 Sunnymead Boulevard, Moreno Valley, CA 92553 / Phone: 951.485.7792

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Credit Counseling In Moreno Valley CA

Moreno Valley Credit Counsellors Map - Initial Static Image

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Rapid Credit Repair Moreno Valley
12952 Foreman Avenue, Moreno Valley
CA 92553 - www.consumer.ftc.gov
877.771.1924

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Financial Destination, Inc.
22565 Country Crest Dr, Moreno Valley
CA 92557 - 951.259.7484

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Usury/Regs. Governing Moreno Valley

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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