Stockton CA
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California Lenders > Stockton

Last updated July 2018

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Fair Credit Lenders in Stockton CA

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Central State Credit Union
919 N Center Street Stockton
CA 95202 - www.centralstatecu.org
209.444.5300

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Allied Credit Union
2131 W March Lane, Stockton
CA 95207 - www.alliedcu.org
209.235.9119

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Stockton Community Federal Credit Union
167 N Hunter Street, Stockton
CA 95202 - stocktoncommunityfcu.org
209.933.9275

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Premier Community Credit Union
3255 W Benjamin Holt Drive, Stockton
CA 95219 - www.premierccu.org
209.235.1100

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Financial Center Credit Union
18 S Center Street, Stockton
CA 95202 - www.fccuburt.org
209.948.6024

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Wells Fargo Bank
1045 W March Lane, Stockton
CA 95207 - www.wellsfargo.com
209.957.8011

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F&M Bank
205 Lincoln Center, Stockton
CA 95207 - www.fmbonline.com
209.475.1128

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Chase Bank
400 E Main Street, Stockton
CA 95202 - locator.chase.com
209.460.2888

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U.S. Bank Branch
6445 Pacific Avenue, Stockton
CA 95207 - locations.usbank.com
209.954.7601

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Union Bank
6239 Pacific Avenue, Stockton
CA 95207 - blw.unionbank.com
209.478.1711

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Bad Credit Loan Form for Stockton

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Stockton CA Lender Service Area Map

Stockton 5x5 Loan App Volume

Top 5 list of neighborhoods in Stockton for pre-app volume. Source: WFL Lender Pool Data. Updated Monthly. See all California personal loan volume data.

  1. Weston Ranch
  2. Pacific
  3. Bear Creek
  4. Spanos Park
  5. Miracle Mile

Signature Loan In Stockton

Brian is planning his wedding which will take place in 6 months time.

He wants this to be a blow out wedding and he wants to take his bride on the trip of a lifetime.

He needs about $21k to accomplish his plans for the wedding and the trip.

He has $5000 saved towards the cost of the wedding etc. and needs an additional $16k to carry it out. He is running on a tight budget and wants to nail everything down now to avoid any potential price increases in the next few months.

He is going to spend about $12,000 on the actual wedding which includes the tuxes, his fiancés dress and of course the reception after.

There are about 50 guests coming and he hopes to stay within the budget he has set. His honeymoon trip is going to be something neither of them have experienced before.

They both love to travel and they plan to be gone for almost a month, travelling through Europe and the Mediterranean.

His wedding and his travel plans may have to be curtailed if he cannot arrange for this loan. They need to be approved before they can begin making any commitments.

They are even reluctant to send out wedding invitations until they know for sure that they will be approved for the loan. Both he and his wife are prepared and should sign jointly for the loan.

A $16k loan with a five-year term and 5.9% interest rate for Brian would cost him the following per month:

• Loan Amount (principal) = $16000
• Interest Rate = 5.9%
• Term Length = 5 year
• Monthly Payment = $308.58
• Total Paid Back = $18514.88
• Total Interest = $2514.88

It turns out that Brian and his spouse to be, have a fairly decent credit score and will qualify for the loan.

They both are willing to sign for the loan which makes them both liable to repay the loan if for some reason the other defaults or that the wedding is delayed for some reason.

It is unfortunate to have to consider this sort of thing, but weddings do get cancelled and someone is left holding the responsibility of repaying the debt that was spent up to that point.

They were approved for a line of credit so that they can draw on the loan as needed. With the line of credit in place they can make commitments for the wedding and their trip knowing that they have financing in place to cover everything.

In many cases, wedding guests will give money as gifts instead of actual gifts. Brian and his spouse can if they so choose use this money to repay the loan in part or even in full depending on their situation at the time.

This approach gives them the maximum flexibility they need to plan their wedding and it also minimizes the total cost of the loan at the same time. They only pay interest fees when they actually draw on the line of credit. Congratulations to Brian and his new wife!

Are you a Stockton 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 Stockton CA

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

Job Search: Indeed / Monster

EDU Advancement: College / University

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Credit Counseling In Stockton

Credit Advisors Repair Stockton
1407 W Fremont Street Stockton CA 95203
www.creditadvisorscouncil.com
209.888.0090

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CCCS Consumer Credit Counseling
2291 W March Lane, Stockton
CA 95207 - 209.366.1420

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

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Usury and Regs. Governing Stockton

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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