Oakland CA
Fair To Bad Credit Loans
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Last updated
September 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
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Provident Credit Union
(nearest San Leandro)
8301 Edgewater Drive, Oakland
CA 94621 - providentcu.org
800.632.4600
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Self-Help Federal Credit Union
1432 7th Street, Oakland
CA 94607 - www.self-helpfcu.org
510.267.0450
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Golden 1 Credit Union
1495 Clay Street, Oakland
CA 94612 - www.golden1.com
916.732.2900
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Patelco Credit Union
360 22nd Street, Oakland
CA 94612 - www.patelco.org
800.358.8228
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Union Bank
1970 Franklin Street, Oakland
CA 94612 - blw.unionbank.com
510.891.9505
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Summit Bank
2969 Broadway, Oakland
CA 94611 - www.summitbanking.com
510.839.8800
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Chase Bank
401 8th Street, Oakland
CA 94607 - locator.chase.com
510.451.4721
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Beneficial State Bank
1438 Webster Street #100, Oakland
CA 94612 - www.beneficialstatebank.com
510.550.8400
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East West Bank
900 Webster Street, Oakland
CA 94607 - www.eastwestbank.com
510.451.5600
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Bad Credit Loan Form for Oakland
Oakland CA Lender Service Area Map
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map.
Oakland 5x5 Loan App Volume
Top 5 list of neighborhoods in Oakland for pre-app volume. Source: WFL Lender Pool Data. Updated Monthly.
- West Oakland
- Lincoln Highlands
- Montclair
- Grand Lake
- Peralta/Laney
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.
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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.
EDU Advancement: College / University
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Credit Counseling In Oakland
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map.
Money Management International
1901 Harrison Street #1100 Oakland
CA 94612 - www.moneymanagement.org
866.226.0278
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760 Credit
3230 Fruitvale Avenue, Oakland
CA 94601 - 760credit.biz
510.877.0760
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Bay Area Credit Repair Nerds
410 Pendleton Way #7, Oakland
CA 94621 - 510.736.3426
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Federal Resources
FTC Budget PDF / USA.GOV Debt Info
Oakland Assistance Programs
Food Bank: Alameda County Community Food Bank / Address: 7900 Edgewater Drive, Oakland, CA 94621 / Phone: 510.635.3663
Hot/Cold Meals: Berkeley Food & Housing Project / Address: 1901 Fairview Street, Berkeley, CA 94703 / Phone: 510.649.4965
Shelter In Case of Eviction: Oakland Homeless Project / Address: 1820 Jefferson Street, Oakland, CA 94612
Social Assistance Programs:
Alameda
County Social Services / Address: 2000 San Pablo Avenue, Oakland,
CA 94612 / Phone: 510.891.0700
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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.
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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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