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This page was last updated November 2018

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

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Fair Credit Lenders in San Diego CA

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California Coast Credit Union
440 Beech St, San Diego, CA 92101
www.calcoastcu.org
858.495.1600

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San Diego Metropolitan Credit Union
344 F St, Chula Vista, CA 91910
www.sdmcu.org
619.297.4835

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Mission Federal Credit Union Mission Valley
2020 Camino Del Rio N #100, San Diego, CA 92108
www.missionfed.com
800.500.6328

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San Diego County Credit Union
5555 Mildred St, San Diego, CA 92110
www.sdccu.com
877.732.2848

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First Source Bank
2453 34th St, San Diego, CA 92104
www.1stsource.com
619.283.5319

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Bank of the West
701 B St #150, San Diego, CA 92101
www.bankofthewest.com
619.234.3511

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Bad Credit Loan Form for San Diego

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

Learn about GAP (Gift Angel Program)

 

San Diego CA Lender Service Area Map

San Diego Bad Credit Lenders Map - Initial Static Image

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San Diego 5x5 Loan App Volume

Top 5 San Diego neighborhoods for loan application volume in the last 5 months. Source: WFL Lender Pool. Updated Monthly.

  1. Sherman Heights
  2. Sunset Cliffs
  3. Torrey Pines
  4. Montecito
  5. North Park

Historic Heart of San Diego Arch: Licensing/Credit

$40000 Fair Credit Loan In San Diego

Michael needs a $40,000 fair credit loan in San Diego Ca to help him put his family back together. He is currently living with his dad, his wife and son are living with her parents and another daughter is living with one of his wife’s sisters.

It is a pretty mixed up situation and he desperately needs a loan to help consolidate debts as well as pay for his first and last months rent for a home they want to rent.

Michael lost the home they were in when he lost his job. Rather than risk being evicted, he and his family decided they would move out when the lease ended, take their personal items and move in with the family as mentioned above.

They are saving a great deal of money by living this way while they recover from his job loss. Fortunately, his wife has kept her job and supporting the family.

Once he landed a new job just last month, he and his wife started making plans to find a place to move into and bring the family back together again.

Both sets of parents have offered to help them financially in addition to supporting them by providing a place to live in. With the loan, they can consolidate everything and focus on setting up a new home for themselves and the rest of the family.

A $40000 fair credit loan with a five-year term and a 5% interest rate for Michael could cost him the following per month:

• Loan Amount (principal) = $40000
• Interest Rate = 5%
• Term Length = 5 year
• Monthly Payment = $754.85
• Total Paid Back = $45290.96
• Total Interest = $5290.96

Michael and his wife have done all of the right things. They did not get evicted, they paid their rent up until they moved out and they have always paid their monthly bills on time.

Their credit rating is in fair condition as a result making them good candidates for being approved for a fair credit loan in the San Diego area. They are paying a price for being in a financial mess. Splitting up the family in the manner they have had to take was not easy and must be difficult for the entire family.

It took several months for Michael to get his family back together. There was no problem obtaining a loan, although he had to have his father co-sign. They needed an address for him to file with the lender.

Once he was approved for the loan he and his family began looking for a place they could live within their budget and also close to work and schools. They are about to move into their new home. Everyone is really excited. They even splurged a bit and bought some new bedroom furniture for the kids.

He has already made several monthly payments on his loan and we have no doubt that he will be an excellent borrower who will repay his loan fully and on time. We hope that he and his family do well over the next few years. They needed a break and they got one.

If you live in the San Diego CA and you need a loan regardless of a bad credit rating we hope our website helps you in some way.

Sincerely,

Andy Somerset

Andy Somerset is the son of Lance Somerset who founded the We Find Lenders Pool. He writes for WeFindLenders.com whenever he's not working hard on his degree in finance.

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Employment & Education Advancement Opportunities in San Diego CA

If you live in San Diego and you're struggling with making ends meet, you may consider advancing your education and/or finding a higher paying job. We've provided some links here to help with that.

Job Upgrade: Indeed / Monster

Education Advancement: Community College / University

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Credit Counseling In San Diego

San Diego Credit Counsellors Map - Initial Static Image

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San Diego Credit Solutions, LLC
2221 Camino del Rio S #308, San Diego, CA 92108
www.sandiegocreditsolutions.com
619.916.3999

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DebtWave Credit Counseling, Inc
9325 Sky Park Ct #260, San Diego, CA 92123
www.debtwave.org
888.686.4040

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American Consumer Credit Counseling, Inc
Diamond View, 350 Tenth Ave #1000, San Diego, CA 92101
www.consumercredit.com
619.344.2565


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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

San Diego Assistance Programs

Food Bank: San Diego Food Bank / Address: 9850 Distribution Avenue, San Diego, CA 92121 / Phone: 858.527.1419

Hot/Cold Meals: Feeding San Diego / Address: 9455 Waples Street #135, San Diego, CA 92121 / Phone: 858.452.3663

Shelter In Case of Eviction: Father Joe's Villages / Address: 1501 Imperial Avenue, San Diego, CA 92101 / Phone: 619.233.8500

Social Assistance Programs: San Diego County Welfare to Work / Address: 4588 Market Street, San Diego, CA 92102 / Phone: 858.694.3900

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Usury and Regs. Governing San Diego

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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