San Bernardino CA
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California Lenders > San Bernardino

Last updated November 2018

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Fair Credit Lenders in San Bernardino CA

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Arrowhead Credit Union
421 N Sierra Way San Bernardino
CA 92410 - www.arrowheadcu.org
800.743.7228

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Thinkwise Federal Credit Union
2441 N Sierra Way, San Bernardino
CA 92405 - www.thinkwisecu.org
909.882.2911

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First Valley
401 W 2nd St, San Bernardino
CA 92401 - www.1stvalleycu.com
909.889.0838

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SchoolsFirst FCU of San Bernardino
161 E 40th St, San Bernardino
CA 92404 - www.schoolsfirstfcu.org
800.462.8328

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Pacific Transportation FCU
444 S Waterman Avenue A, San Bernardino
CA 92408 - www.ptfcu.org
866.773.9835

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Union Bank
290 E Highland Ave, San Bernardino
CA 92404 - blw.unionbank.com
909.475.1720

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Citizens Bank
1555 E Highland Ave, San Bernardino
CA 92404 - www.cbbank.com
909.381.5561

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Wells Fargo Bank
296 W Highland Ave, San Bernardino
CA 92405 - www.wellsfargo.com
909.886.4824

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Bank of America
303 N D St, San Bernardino
CA 92401 - locators.bankofamerica.com
909.381.8400

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Chase Bank
2020 E Highland Ave San Bernardino
CA 92404 - locator.chase.com
909.425.8300

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Bad Credit Loan Form for San Bernardino

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San Bernardino CA Service Map

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San Bernardino 5x5 Loan App Volume

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

  1. Las Plazas
  2. Cajon
  3. Shirrells
  4. Small Canyon
  5. Devil Canyon

California Theatre in San Bernardino California: Licensing/Credit

Fair Credit Loan In San Bernardino CA

Colleen just needs a small loan to get her through the month until her first pay check comes in and her alimony payments start.

She and her husband are now divorced and she was awarded the kids and alimony to help pay for the expenses of supporting the kids.

She also just started a job and will receive her first pay check in two weeks.

The problem for Colleen is that she needs to pay rent for the apartment she and the kids have moved into.

She had enough for the deposit and the first month, but rent is due in one and a half weeks and right now she does not have the cash.

She is trying everything she can to find the funds to pay the rent, put food on the table and look after her children. She is really having a tough time and her ex husband is really not cooperating even though she has a court order.

Colleen has asked him for the kid’s sake to pay his first alimony payment early to help her out. He may still help but as of right now there is no commitment.

She knows her dad will help, but she really does not want to ask him either. They have helped so much already. They are retired living on a fixed income pension and really do not have a lot of money.

They love the grandkids and are already helping out with food and clothing as well as looking after the kids while she goes to work. Her parents have been really hurt by the entire divorce situation.

Colleen thought about going to a payday loan lender, but she knows that they are really expensive. Her credit rating basically does not exist either and she does not even have a credit card in her name.

She's desperate and in need of a small fair credit loan to get her through until her first paycheck and alimony check arrive.

A $2000 loan with an two-year term and 9.5% interest rate for Colleen would cost her the following per month:

• Loan Amount (principal) = $2000
• Interest Rate = 9.5%
• Term Length = 2 year
• Monthly Payment = $91.83
• Total Paid Back = $2203.90
• Total Interest = $203.9

Because Colleen does not really have a credit rating, she needed someone to cosign for her.

If her father or even her husband would have co-signed for the loan, the loan would have been approved and she would have been on her way to establishing a credit rating.

Once her husband realized just what kind of situation he was putting his kids and his ex-wife into, he relented and paid her the alimony early so she could pay the rent.

He really did not want to make things difficult for his kids. They already think badly of him as it is for the entire divorce situation. After all it was his fault to start with.

Colleen also receiver her first paycheck and although finances are tight, she is well on the way to becoming self-sufficient.

She is also going to apply for a credit card and begin establishing a credit score in case she ever needs to apply for a loan in the future.

Are you a San Bernardino 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 San Bernardino CA

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

Job Search: Indeed / Snag AJob

EDU Advancement: College / University

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Credit Counseling In San Bernardino CA

San Bernardino Credit Counsellors Map - Initial Static Image

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West Harbour Financial Group
473 E Carnegie Dr #211 San Bernardino
CA 92408 - 909.657.0575

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Consumer Credit Counseling Services
Highland, CA 92346
www.consumercredit.com

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

San Bernardino Assistance Programs

Food Bank: Helping Hands Pantry Warehouse / Address: 2205 South Artesia Street, San Bernardino, CA 92408 / Phone: 909.796.4222

Hot/Cold Meals: Mary's Mercy Center / Address: 641 Roberds Avenue North, San Bernardino, CA 92411 / Phone: 909.889.2558

Shelter In Case of Eviction: Central City Lutheran Mission / Address: 1354 North G Street, San Bernardino, CA 92405 / Phone: 909.381.6921

Social Assistance Programs: San Bernardino County Transitional Assistance Department / Address: 2050 North Massachusetts Avenue, San Bernardino, CA 92415 / Phone: 877.410.8829

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Usury and Regs. Governing San Bernardino

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
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