Santa Ana CA
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California Lenders > Santa Ana

Last updated October 2018

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Fair Credit Lenders in Santa Ana CA

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Santa Ana Federal Credit Union
800 W Santa Ana Blvd, Santa Ana
CA 92701 / www.safcu.org
+1 714-834-1341

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Orange County's Credit Union
1721 E St Andrew Pl, Santa Ana, CA 92705
www.orangecountyscu.org
+1 888-354-6228

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Comunidad Latina FCU
1317 W Warner Ave, Santa Ana, CA 92704
www.clfcu.org
+1 714-754-7675

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SchoolsFirst Federal Credit Union
2115 N Broadway, Santa Ana, CA 92706
www.schoolsfirstfcu.org
+1 800-462-8328

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UNIFY Financial Credit Union
3715-A S Bristol St, Santa Ana, CA 92704
www.unifyfcu.com
+1 877-254-9328

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Navy Federal Credit Union
2022 17th St, Santa Ana, CA 92705
www.navyfederal.org
+1 888-842-6328

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Eagle Community Credit Union
12934 Harbor Blvd, Garden Grove
CA 92840 / www.eaglecu.org
+1 949-588-9400

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Credit Union of Southern CA
530 S Main St #100, Orange, CA 92868
cusocal.org
+1 866-287-6225

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Signature Credit Corpation
2850 Red Hill Ave, Santa Ana, CA 92705
+1 714-633-5000

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Beros Credit
2100 N Main St #100, Santa Ana, CA 92706
+1 714-918-1800

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Bad Credit Loan Form for Santa Ana

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

Learn about GAP (Gift Angel Program)

 

Santa Ana CA Lender Service Area Map

Santa Ana Bad Credit Lenders Map - Initial Static Image

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Santa Ana 5x5 Loan App Volume

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

  1. Bristol
  2. Heninger Park
  3. Downtown Historic District
  4. City Center
  5. North Harbor
 

Santa Ana Bowers Museum: Licensing/Credit

Bad Credit Loan In Santa Ana

John grew up in Los Angeles and now lives in Santa Ana. He needed to consolidate over $30,000 dollars of debt. His debts were due to an injury which caused him miss over 18 months of work.

He didn't have good enough medical insurance to cover the time when he was unable to work. The result was utility bills and cell phone bill not getting paid on time.

He had been missing some payments on his credit cards too. We'll get into that a little more further one.

$10000 personal loan debt
$5000 Visa card debt
$7000 Discover card debt
$8000 Amex card debt

Besides his unemployment John didn't have cash flow issues. He had been back at work again for over a year at the time of his application.

He tried applying at his credit union in Santa Ana for a personal loan but was denied, but he was approved with a private lender later. That outcome is below.

• Debt Consolidation Amount = $30000
• Interest Rate = 9.22%
• Term Length = 4
• Monthly Payment = $749.69
• Total Paid Back = $35,985.08
• Total Interest = $5,985.08

On the full principal of $30000 John had a rate of 9.22% as per their loan agreement. This bring the interest to over the 4 year term to a a total of almost $6000.

The monthly payments were just shy of $750 which was easy to handle for John. He works for a data management firm in the I.T. department and his monthly income is enough to pay all of his bills and service this new loan.

Here is a list of the offers John received from the WFL lending pool.

Nation wide lender #1 @ 9.22%
Nation wide lender #2 @ 9.84%
California State lender @ 10.07%
Santa Ana lender @ 9.65%

The national lender #1 came in with an offer of 9.22% over 4 years. This is a rate higher than what would be expected if the borrower had a really good credit score. Unfortunately for John, his unemployment for a year and half resulted in a downgrade of his credit rating.

So he ended up with a much higher rate than would have been ideal. However, it's still a lower rate (by quite a bit) that he was paying to all of his creditors separately.

At least he'll be saving some money on his debt over the term of the loan, and he only has one creditor to deal with over the next 4 years.

He's paying only one creditor as well, and that makes it somewhat easier to stay organized. Like all newly approved borrowers, John will have to follow up on his new budget process and frugal penny pinching.

Do you live in Santa Ana and need a bad credit loan? I hope our website can help you in some way to find a decent interest rate even if you have a bad credit score.

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 Santa Ana CA

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

Job Search: Indeed / Snag-A-Job

EDU Advancement: College / University

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Credit Counseling In Santa Ana

Santa Ana Credit Counsellors Map - Initial Static Image

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CountryWide Debt Relief
1504 Brookhollow Dr #117, Santa Ana, CA 92705
www.cwdebtrelief.com
+1 800-594-3362

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Credit Clinic
1042 W Santa Ana Blvd b, Santa Ana, CA 92703
+1 714-266-6699

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Omni Credit Counseling
209 8th St, Santa Ana, CA 92701
+1 714-501-9995

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Superior Credit Score
1450 N Tustin Ave, Santa Ana, CA 92705
superiorcreditscore.com
+1 714-617-4902

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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Santa Ana Assistance Programs

Food Bank: Gospel Light Church of God in Christ / Address: 3135 West Warner Avenue, Santa Ana, CA 92704 / Phone: 714.979.5483

Hot/Cold Meals: John's Loves And Sandwiches / Address: Santa Ana, CA 92701

Shelter In Case of Eviction: The Courtyard / Address: 400 West Santa Ana Boulevard, Santa Ana, CA 92701 / Phone: 714.910.0436

Social Assistance Programs: Orange County Social Services / Address: 1505 East Warner Avenue, Santa Ana / Phone: 714.825.3000

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Usury and Regs. Governing Santa Ana

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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