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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 Francisco CA

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San Francisco FCU (California St. Branch)
311 California St, San Francisco, CA 94111
www.sanfranciscofcu.com
415.775.5377

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San Francisco FCU (Gate Avenue Branch)
770 Golden Gate Ave, San Francisco, CA 94102
www.sanfranciscofcu.com
415.775.5377

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San Francisco FCU (Geary Blvd Branch)
4375 Geary Blvd San Francisco
CA 94118 - www.sanfranciscofcu.com
415.775.5377

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SF Fire Credit Union
3201 California St, San Francisco
CA 94118 - www.sffirecu.org
415.674.4800

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Provident Credit Union of San Francisco
450 Golden Gate Ave #2-0558, San Francisco
CA 94102 - www.providentcu.org
800.632.4600

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Union Bank
3473 California St, San Francisco
CA 94118 - blw.unionbank.com
415.379.5000

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New Resource Bank
255 California St #600, San Francisco
CA 94111 - www.newresourcebank.com
415.995.8100

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Federal Reserve Bank of San Francisco
101 Market St, San Francisco
CA 94105 - www.frbsf.org
415.974.2000

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Wells Fargo Bank
1 Montgomery St, San Francisco
CA 94104 - www.wellsfargo.com
415.396.7152

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Bank of San Francisco
575 Market Street, Suite 900
San Fran - isco, CA 94105
www.bankofsf.com
415.744.6700

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Bad Credit Loan Form for San Francisco

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

Learn about GAP (Gift Angel Program)

 

San Francisco CA Lender Area Map

San Francisco Bad Credit Lenders Map - Initial Static Image

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San Francisco 5x5 Loan App Volume

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

  1. Inner Sunset
  2. Japantown
  3. Diamond Heights
  4. Parkmerced
  5. Presidio of San Francisco

Golden Gate Bridge in San Francisco: Licensing/Credit

$40K Business Loan In San Francisco

Shayla grew up in Frisco and her parents had their own business in the Castro District since the 1950s. Being from an entrepreneurial background she always knew she was never going to be an employee.

She was going to own her own business one day.

Well that day arrived just two years ago. She had her business plan and she was ready to go. She found some investors who were willing to back her but she had to come up with $40000 to make the deal happen.

But there was a problem with that. She didn't have any savings and she didn't have any assets she could sell to raise the money. Her credit score wasn't exactly horrible, but it wasn't exactly wonderful either.

She had an Experian credit score of 620, a Equifax score of 603, and a Transunion score of 640. She tried getting approved with her bank branch on Market street in San Francisco but she was denied due to lack of collateral.

Unfortunately for Shayla, her parents had cut her off from family money long ago, and that was due to her choice of husband and religion. She knew she wasn't going to get any help any time soon.

When she tried getting an unsecured loan with sub-prime lenders using our WFL lender pool and that lender offered a rate of 12.12%. She could prove her payment history on her existing credit cards, and she still had a solid part time income from her day job as a paralegal.

A $40000 loan with a five-year term and 12.12% interest rate for Shayla look like the calculation below:

• Loan Amount (principal) = $40000
• Interest Rate = 12.12%
• Term Length = 5 year
• Monthly Payment = $892.21
• Total Paid Back = $53,532.32
• Total Interest = $13,532.32

Notice how an interest rate over 12 percent really adds up over a 5 year term. Over $13000 in interest is paid out, and that doesn't include any other possible fees that may be involved in the loan agreement.

Once Shayla's husband saw the offer he decided to step into play. He simply gave her $20000 so all she had to raise was $20000 herself, so she changed her loan request. Below you can see the new offers she got from a different lender willing to give her an unsecured loan.

• Loan Amount (principal) = $20000
• Interest Rate = 13.56%
• Term Length = 3 year
• Monthly Payment = $679.29
• Total Paid Back = $24,454.31
• Total Interest = $4454.31

Even though Shayla's rate is even higher at 13.56 percent, the overall cost of the loan is less than half of her first offer with a $40000 principal.

The great new is that her new business is now launched and she's on her way. She reported that she was doing fine and that she was getting ready to hire another employee. Her business is a food truck and her expertise is marketing and management.

Her first employee was her cook, who makes "out of this world soup" (her words), and her clientele grew exponentially from the first day she opened. She found some perfect locations and the word grew quickly that if you wanted some fantastic soup, her truck was the place to visit.

If you live in the San Francisco 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 Francisco CA

If you live in San Francisco 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: College / University

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Credit Counseling In San Francisco

San Francisco Credit Counsellors Map - Initial Static Image

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American Consumer Credit Counseling
71 Stevenson St #400 San Francisco
CA 94105 - www.consumercredit.com
415.655.6731

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Consumer Credit Counseling Services
15, 595 Market St
San Francisco, CA 94105
www.cccssf.org
800.777.7526

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

San Francisco Assistance Programs

Food Bank: San Francisco Food Bank / Address: 900 Pennsylvania Avenue, San Francisco, CA 94107 / Phone: 415.282.1900

Hot/Cold Meals: Martin de Porres House of Hospitality / Address: 225 Potrero Avenue, San Francisco, CA 94103 / Phone: 415.552.0240

Shelter In Case of Eviction: The Sanctuary / Address: 201 8th Street, San Francisco, CA 94103 / Phone: 415.487.3300

Social Assistance Programs: Human Services Agency of San Francisco / Address: 1440 Harrison Street, San Francisco, CA 94103 / Phone: 855.355.5757

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Usury and Regs. for San Francisco

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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