Sacramento CA
Fair To Bad Credit Loans

We Find Lenders Who Lend To Bad Credit Borrowers

We Find Lenders Inc. Fair To Bad Credit Loans Logo

Home > How To Apply >

California Lenders > Sacramento

Last updated November 2018

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

Compare Bad Credit Lenders (2019)

Let's get you approved
Enter zip and your 3 digit credit score.

Fair Credit Lenders in Sacramento CA

Lenders can contact us for listing removal.

Golden 1 Credit Union
1326 Broadway, Sacramento, CA 95818
www.golden1.com
877.465.3361

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

California Community Credit Union
8815 Folsom Boulevard
Sacramento, CA 95826
www.caccu.org
916.386.1418

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

Sacramento Credit Union
3660 Bradshaw Road
Sacramento, CA 95827
www.sactocu.org
888.722.8601

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

First U.S. Community Credit Union
580 University Avenue
Sacramento, CA 95825
www.firstus.org
916.576.5700

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

SAFE Credit Union
2105 Town Center Plaza
West Sacramento, CA 95691
www.safecu.org
916.979.7233

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

Merchants National Bank
1015 7th St, Sacramento, CA 95814
www.merchantsnational.com
916.442.3883

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

Golden Pacific Bank
980 9th St, Sacramento, CA 95814
www.goldenpacificbank.com
916.444.2450

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

River City Bank
2485 Natomas Park Drive Suite 150
Sacramento, CA 95833
www.rivercitybank.com
916.567.2669

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

Chase Bank
1300 21st Street, Sacramento, CA 95811
locator.chase.com
916.440.0102

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

Union Bank
700 L Street, Sacramento, CA 95814
blw.unionbank.com
916.321.3161

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

Bad Credit Loan Form for Sacramento

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

Learn about GAP (Gift Angel Program)

 

Sacramento CA Lender Service Area Map

Sacramento Bad Credit Lenders Map - Initial Static Image

Tap image for larger interactive map.

Sacramento 5x5 Loan App Volume

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

  1. Del Paso Heights
  2. Strawberry Manor
  3. Upper Land Park
  4. Florin Fruitridge Industrial Park
  5. Mangan Park
 

Capitol Building in Sacramento California: Licensing/Credit

Loan For Medical Bills In Sacramento

Remy needs a loan for medical bills that were not covered by his medical insurance. He needed to have an operation and was hospitalized for several days while he recovered.

He has quite good medical coverage paid for through his company, however there is a deductible that must be paid. With such large medical bills, even the deductible can be a large number and he is looking for help to pay for the medical bills plus another loan and credit card debt that he wants to consolidate at the same time.

When Remy first moved to California, he was given an excellent benefits package and did not really think about the medical deductible portion.

He originally is from outside the Unites States where the government provides 100% coverage for all hospital stays and visits to the doctor.

They even pay for most tests that are required. While you will not go broke, you may have to wait a long time for access to doctors, testing, results and operations.

Remy certainly cannot complain about the speed of treatment. He was helped immediately and all tests were completed inside of a week along with his operation.

But now he owes over $35,000 just for all of the medical charges and the deductible.

While he is obtaining a loan, he wants to borrow an additional $15000 to consolidate other debt that he and his wife are dealing with.

A $50k loan with a ten-year term and 5.756% interest rate for Remy would cost him the following per month:

• Loan Amount (principal) = $50000
• Interest Rate = 5.756%
• Term Length = 10 year
• Monthly Payment = $549.00
• Total Paid Back = $65879.49
• Total Interest = $15879.49

Remy’s loan was easily approved for the $50000 he was asking for. He has a great credit rating and an excellent well paying job.

While for Remy, his loan application was processed and approved quickly, many customers would not have received the same treatment if they had a lower credit score or insufficient income.

While he and his wife cannot do anything about the current medical bills other than repay them, he is seriously considering adding medical insurance to cover the deductible of his current insurance.

He and his wife feel they cannot afford another financial hit like this one. With additional medical insurance coverage, they will not need to worry about sudden medical emergencies bankrupting them.

He is worried about the added monthly payments that will be needed for the medical insurance coverage, his loan and ongoing bills that they have.

While he can afford the cash flow, there will be little money left for the other things in life they like to enjoy.

They consider themselves to be very fortunate in that they can afford to pay this debt without losing their home and other possessions. Many consumers are left with nothing after a stay in the hospital.

Remy also challenged some of the items billed to him while in the hospital. He was able to reduce the overall cost of the hospital stay by quite a bit saving him several thousand dollars.

Every consumer should review their medical invoices in detail before agreeing to pay in full.

Are you a Sacramento 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 Sacramento CA

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

Job Search: Indeed / Monster

EDU Advancement: College / University

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

Credit Counseling In Sacramento

Sacramento Credit Counsellors Map - Initial Static Image

Tap image for larger interactive map.

Sacramento Credit Counseling
1000 2nd Street, Sacramento, CA 95814
916.485.7981

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

Allstates Credit Repair
770 L Street #900, Sacramento, CA 95814
sacramento-creditrepair.net
916.209.0851

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

California Credit Solutions
9521 Folsom Boulevard Suite R
Sacramento, CA 95827
cadreamcredit.com
916.617.9767

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

Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Sacramento Assistance Programs

Food Bank: River City Food Bank / Address: 1800 28th Street, Sacramento, CA 95816 / Phone: 916.446.2627

Hot/Cold Meals: California Emergency Foodlink / Address: 5800 Foodlink Street, Sacramento, CA 95828 / Phone: 916.387.9000

Shelter In Case of Eviction: Next Move / Address: 4516 Parker Avenue, Sacramento, CA 95820 / Phone: 916.455.2160

Social Assistance Programs: Human Assistance Department / Address: 1725 28th Street, Sacramento, CA 95816 / Phone: 916.874.2072

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

Usury and Regs. Governing Sacramento

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 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

 

Loan Calculator For Crunching Numbers

- - - - - - - - - - - - - - - - - - - - - Enter
  Loan Amount
  Interest rate
  Term In Yrs
- - - - - - - - - - - - - - - - - - - - - Results
  Mo. Payment
  $$ To Lender
  $$ of Interest

 

Important Information

FAQ / Privacy / Terms / Contact / Site Map

Disclaimer / Security / FICO Impact / Credits

About the WFL Lender Pool / Our Team

Ad Disclosure / APR & Fees / Collection

Default Implications / Service Areas

 

Back to Top

©2018 We Find Lenders Inc. All Rights Reserved