Oakland CA
Fair To Bad Credit Loans

We Find Lenders Who Lend To Bad Credit Borrowers

Home > How To Apply >

California Lenders > Oakland

Last updated July 2018

Commentary is for informational purposes only. See legal disclaimers here.

Bad Credit Loan Testimonial Reviews

Fair Credit Lenders in Oakland CA

Lenders can contact us for listing removal.

Alliant Credit Union
344 20th Street Suite 118 Oakland
CA 94612 - www.alliantcreditunion.org
800.328.1935

- - - - - - - - - - - - - - - - - - - - - - - -

Provident Credit Union
(nearest San Leandro)
8301 Edgewater Drive, Oakland
CA 94621 - providentcu.org
800.632.4600

- - - - - - - - - - - - - - - - - - - - - - - -

Self-Help Federal Credit Union
1432 7th Street, Oakland
CA 94607 - www.self-helpfcu.org
510.267.0450

- - - - - - - - - - - - - - - - - - - - - - - -

Golden 1 Credit Union
1495 Clay Street, Oakland
CA 94612 - www.golden1.com
916.732.2900

- - - - - - - - - - - - - - - - - - - - - - - -

Patelco Credit Union
360 22nd Street, Oakland
CA 94612 - www.patelco.org
800.358.8228

- - - - - - - - - - - - - - - - - - - - - - - -

Union Bank
1970 Franklin Street, Oakland
CA 94612 - blw.unionbank.com
510.891.9505

- - - - - - - - - - - - - - - - - - - - - - - -

Summit Bank
2969 Broadway, Oakland
CA 94611 - www.summitbanking.com
510.839.8800

- - - - - - - - - - - - - - - - - - - - - - - -

Chase Bank
401 8th Street, Oakland
CA 94607 - locator.chase.com
510.451.4721

- - - - - - - - - - - - - - - - - - - - - - - -

Beneficial State Bank
1438 Webster Street #100, Oakland
CA 94612 - www.beneficialstatebank.com
510.550.8400

- - - - - - - - - - - - - - - - - - - - - - - -

East West Bank
900 Webster Street, Oakland
CA 94607 - www.eastwestbank.com
510.451.5600

- - - - - - - - - - - - - - - - - - - - - - - -

Bad Credit Loan Form for Oakland

Oakland CA Lender Service Area Map

Oakland 5x5 Loan App Volume

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

Leona Heights
Fruitvale
Downtown Oakland
Uptown Oakland
Jingletown

Car Loan In Oakland

Jill wants to purchase another truck to replace the one she has. She needs to have a vehicle to travel from her ranch outside the city into town and pick up supplies.

Her current truck is on its last legs so to speak. The tires are bald and the engine is burning oil and she needs new brakes and a muffler.

If it were not for the engine burning oil she might consider making repairs but the cost to repair the engine is just too much. It might cost her five or six thousand to make all of the repairs needed and she would still have an old truck.

It would be just a matter of time until something else broke down.
She would rather buy another half ton truck, even one that is only a few years old instead of making repairs.

Jill may decide to keep the old truck for work around the farm. As long as she keeps it off public roads and stays on her ranch, she feels she does not need to insure it.

She intends to use if for rough work and keep her new truck in better shape.

The vehicle she is considering will cost her about $15k and she would like a low interest loan, using her truck as security for the loan.

If she can get a low interest loan with a longer term her payments will be low enough for her to afford within her limited budget.

A $15k loan with a seven-year term and 3.756% interest rate for Jill would cost her the following per month:

• Loan Amount (principal) = $15000
• Interest Rate = 3.756%
• Term Length = 7 year
• Monthly Payment = $203.35
• Total Paid Back = $17081.54
• Total Interest = $2081.54

At $200 a month for this loan, this car loan is certainly affordable for Jill. She was able to purchase another truck and use it as collateral for the loan.

This gave her a very low interest rate loan that made it affordable for her. Although she will need seven years to pay this loan in full, Jill also has the option of repaying the loan in full anytime she wishes.

Jill is also aware that if she fails to meet her monthly payment obligations, she will risk having the truck repossessed and sold to recover the balance owing on the vehicle.

This is a standard approach for all loans of this type. With Jill’s record of loan repayment, her excellent credit record, the lenders felt that there is little risk of this situation occurring.

She is really happy with the new vehicle. Now she can drive it into town without a cloud of blue smoke behind her. She was actually embarrassed to drive it anywhere in public because of its condition.

In fact, she would not have been able to renew the vehicle license this year without making major repairs. It would not have passed the smog emission test administered in California for all older vehicles. She is pretty happy with her new ride.

Are you a Oakland 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.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Education & Employment Advancement Opportunities in Oakland CA

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

Job Search: Indeed / Monster

EDU Advancement: College / University

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

Credit Counseling In Oakland

Money Management International
1901 Harrison Street #1100 Oakland
CA 94612 - www.moneymanagement.org
866.226.0278

- - - - - - - - - - - - - - - - - - - - - - - -

760 Credit
3230 Fruitvale Avenue, Oakland
CA 94601 - 760credit.biz
510.877.0760

- - - - - - - - - - - - - - - - - - - - - - - -

Bay Area Credit Repair Nerds
410 Pendleton Way #7, Oakland
CA 94621 - 510.736.3426

- - - - - - - - - - - - - - - - - - - - - - - -

Usury and Regs. Governing Oakland

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.

- - - - - - - - - - - - - - - - - - - - - - - - - - - - -

WFL Loan Product Menu

Bad Credit Loans

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

Fair Credit Loans

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

Debt Consolidation Loans

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

Loan Calculator For Crunching Numbers

- - - - - - - - - - - - - - - - - - - - - Enter
	Loan Amount
	Interest rate
	Term In Yrs

- - - - - - - - - - - - - - - - - - - - - Results
	Mo. Payment
	$$ To Lender
	$$ of Interest