Riverside CA
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California Lenders > Riverside

Last updated November 2018

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Fair Credit Lenders in Riverside CA

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RAFE Federal Credit Union
6876 Magnolia Avenue Suite A
Riverside CA 92506 - www.rafcu.com
951.682.1555

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Altura Credit Union
10725 Magnolia Avenue Riverside
CA 92505 - www.alturacu.com
888.883.7228
View in Google Maps

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Altura Credit Union
6403 Riverside Avenue Riverside
CA 92506 - www.alturacu.com
888.883.7228

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Altura Credit Union
3451 14th Street, Riverside
CA 92501 - www.alturacu.com
888.883.7228

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Altura Credit Union
2692 Canyon Springs Parkway C
Riverside CA 92507 - www.alturacu.com
888.883.7228

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Union Bank
3625 Vine Street, Riverside
CA 92507 - blw.unionbank.com
951.346.1500

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Provident Bank
6570 Magnolia Avenue Riverside
CA 92506 - www.myprovident.com
951.782.6177

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Chase Bank
6245 Riverside Avenue Riverside
CA 92506 - locator.chase.com
951.778.1313

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First National Bank of Southern California
3727 Arlington Avenue #202A, Riverside
CA 92506 - www.fnbsocal.com
951.788.2265

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Provident Bank
4001 Main Street, Riverside
CA 92501 - www.myprovident.com
951.682.3272

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Bad Credit Loan Form for Riverside

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

Learn about GAP (Gift Angel Program)

 

Riverside CA Lender Service Area Map

Riverside Bad Credit Lenders Map - Initial Static Image

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Riverside 5x5 Loan App Volume

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

  1. Arlanza
  2. Mission Grove
  3. Grand
  4. Hawarden Hills
  5. Canyon Crest
 

Fox Theater in Riverside California: Licensing/Credit

Installment Loan In Riverside

James just found out that he needs a new air conditioning unit. He went to turn his old system on the other day and all it gave him was a lot of hot air.

The furnace fan was running and the outdoor unit was running but there was nothing cool about the air coming out of the vents. He called an AC repair company to come look at it and they suggested it was done and he needed to replace it with a new one.

He is in the process of obtaining several quotes for a new system. Although they are all more efficient than his old one and will cost much less to operate, the cost is prohibitively high.

James is looking at estimates that are in the range of ten thousand dollars and more. He is not sure which supplier he is going with at the moment.

He wants to make sure that he can be approved for an installment loan before he makes a commitment.

One supplier indicated they could make arrangements with a lender they work with to approve him for the full price of the installed unit.

They have an excellent interest rate loan with a 2% interest rate and a term of two years. A sponsored rate this low is tough to beat, however James wants to obtain quotes on the loan as well as for the installation of a new AC unit.

This is smart on James part and will give him some good comparisons.

A $10k loan with a two-year term and 3.1% interest rate for James would cost him the following per month:

• Loan Amount (principal) = $10000
• Interest Rate = 3.1%
• Term Length = 2 year
• Monthly Payment = $430.25
• Total Paid Back = $10326.11
• Total Interest = $326.11

With all of this information, James will be able to evaluate the best deal from two different perspectives.

The installation price of the system with the low cost loan is actually a little higher than other quotes he has received. It is $500 more expensive; however, the 2% loan negates that somewhat.

The total cost of the unit with interest costs included at the 2% rate and a two year term is $10720.15.

The total cost of a lower priced unit and with James finding his own financing at a higher interest rate of 3.1% is $10326.11 or approximately $400 less costly.

James was really surprised when he saw this comparison. He was all set to sign a deal for his new AC system including financing before he saw these numbers.

It just shows that there is more than one way for companies to pay for their loans, either directly or indirectly.

James is going to approach the dealer offering the quote that includes financing to determine if he can negotiate a better deal.

They would have to lower their price for the AC system including installation as well as give him the low interest loan. With his other quotes for both the AC system and also for a loan, he has negotiating leverage.

James will make the best decision based on facts and competitive quotes.

Are you a Riverside 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 Riverside CA

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

Job Search: Indeed / Monster

EDU Advancement: College / University

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Credit Counseling In Riverside

Riverside Credit Counsellors Map - Initial Static Image

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Consumer Credit Counseling Services
6370 Magnolia Avenue #200 Riverside
CA 92506 - credit.org
951.781.0114

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Jennifer Peau Counseling Services
7223 Magnolia Ave, Riverside
CA 92504 - www.jenniferpeaucounseling.com
760.221.5104

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Southern California Credit Repair
Credit Restoration, Money Management
2658 Laramie Road, Riverside
CA 92506 - www.trycera.com
714.420.7934

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Springboard Non Profit
6370 Magnolia Ave, Riverside
CA 92506 - 951.808.7526

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Riverside Assistance Programs

Food Bank: Feeding America Riverside / Address: 2950 Jefferson Street B, Riverside, CA 92504 / Phone: 951.359.4757

Hot/Cold Meals: Arlington Temporary Assistance / Address: 9000 Arlington Avenue #112, Riverside, CA 92503 / Phone: 951.689.5620

Shelter In Case of Eviction: New Beginnings Outreach / Address: 5753 29th Street, Riverside, CA 92509 / Phone: 951.332.1489

Social Assistance Programs: Riverside County Social Services / Address: 4100 Main Street, Riverside, CA 92501 / Phone: 951.955.4093

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Usury and Regs. Governing Riverside

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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