Chula Vista CA
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California Lenders > Chula Vista

Last updated August 2019

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Fair Credit Lenders in Chula Vista CA

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California Coast Credit Union
386 E H St #213, Chula Vista, CA 91910
www.calcoastcu.org
+1 858-495-1600

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SDCCU Chula Vista Branch
303-1 H St, Chula Vista, CA 91910
www.sdccu.com
+1 877-732-2848

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San Diego Metropolitan Credit Union
344 F St, Chula Vista, CA 91910
www.sdmcu.org
+1 619-297-4835

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USE Credit Union
1351 Medical Center Dr, Chula Vista
CA 91911 / www.usecu.org
+1 866-873-4968

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North Island Credit Union
884 Eastlake Pkwy #1615, Chula Vista
CA 91915 / northisland.ccu.com
+1 800-334-8788

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Mission Federal Credit Union Terra Nova
354 E H St, Chula Vista, CA 91910
www.missionfed.com
+1 800-500-6328

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Cabrillo Credit Union
394 E H St, Chula Vista, CA 91910
www.cabrillocu.com
+1 858-547-7400

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Union Bank
1343 3rd Ave, Chula Vista, CA 91911
blw.unionbank.com
+1 619-498-3175

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Banner Bank
279 F St, Chula Vista, CA 91910
locations.bannerbank.com
+1 619-827-8100

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First Bank
318 4th Ave, Chula Vista, CA 91910
www.firstbanks.com
+1 619-476-3200

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Bad Credit Loan Form for Chula Vista

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

Learn about GAP (Gift Angel Program)

 

Chula Vista CA Lender Service Area Map

Chula Vista Bad Credit Lenders Map - Initial Static Image

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Chula Vista 5x5 Loan App Volume

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

  1. Amphitheater
  2. Downtown Third Avenue District
  3. Telegraph Canyon Estates
  4. Eastlake
  5. Castle Park
 

Chula Vista 3rd Avenue Pride: Licensing/Credit

Bad Credit Loan In Chula Vista

Belinda works as a lab tech assistant for the Chula Vista CA police department.

She just left her husband due to his violent temper. She was raising her two kids aged 2 and 5. At the time of her application she was at the lowest point in her life.

She was thankful to have a steady income of around $40,000 per year as a lab tech. But this is the money she owed at the time. These are the debts she wanted to consolidate.

$25K for a car loan
$15K credit card dent
$20K in medical debt
$5000 personal loan left

The car loan was at an interest rate of 8.33%. Credit cards averaged 19.12%, medical treatment debt rate unknown, and $5000 left of a personal loan with a 12.43% rate.

She desperately wanted to get one lower rate for all of these balances and she started with her local bank. Her bank branch wasn't happy about having to decline her request for credit, but they had no choice within the boundaries of their lending policies and procedures manual.

The she made the mistake of applying a few local Chula Vista banks (which we won't mention the names of) and she was declined there to.

This is the classic mistake. If a lender turns you down you need to find the exact reason why, and then look into your credit rating. The lender will be able to tell you your score and they can advise you on how to clean up your credit.

You would be surprised how many loan officers love to help applicants with advice. They will even turn you on to professional help if you're interested.

Ultimately, Belinda did get approved for a consolidation loan. Here is the math on that loan.

• Debt Consolidation Amount = $65000
• Interest Rate = 8.67%
• Term Length = 7
• Monthly Payment = $1034.94
• Total Paid Back = $86,934.7
• Total Interest = $21,934.7

Take special note of her interest rate at 8.67%. See how it's actually higher than her first original car loan rate at 8.33%. She agreed to this rate because the consolidation lender wanted her car as collateral on the note.

But even so, Belinda was way ahead on interest over what she was originally paying. Even better, she only had to concern herself with paying one creditor each month. In her case she chose to pay biweekly, which cut down on the over all APR of loan.

Here is a list of the offers the got emailed to her.

Nation wide lender @ 10.09%
CA State lender #1 @ 8.67%
CA State lender #2 @ 8.99%
Chula Vista local lender @ 9.70%

It's clear that she had to choose the deal for 8.67% from the lender that services all of California. Not only was the rate the best, this private lender offered more flexible payment plans.

This is a very common lender used by people who live in New York and find themselves unable to get approved for a loan with a commercial bank branch or credit union.

Do you live in Chula Vista 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 Chula Vista CA

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

Job Search: Indeed / Snag-A-Job

EDU Advancement: College / University

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Credit Counseling In Chula Vista

Chula Vista Credit Counsellors Map - Initial Static Image

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San Diego Credit Corner
2571 Mast Way, Chula Vista, CA 91914
www.sdcreditcorner.com
+1 619-800-4393

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Credit Repair Mike
2371 Fenton St, Chula Vista, CA 91914
+1 619-743-8884

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Financial Education Services
2505 Whispering Palms Loop, Chula Vista
,CA 91915 / www.raisemycreditscore.org
+1 619-734-9454


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Federal Resources

FTC Budget PDF / USA.GOV Debt Info

Chula Vista Non-Profit Services

Food Bank: South Bay Community Services / Address: 430 F Street, Chula Vista, CA 91910 / Phone: 619.420.3620

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

Shelter In Case of Eviction: Catholic Charities / Address: 293 H Street, Chula Vista, CA 91910 / Phone: 619.498.0722

Social Assistance Programs: San Diego County HHSA South Region (Chula Vista) / Address: 690 Oxford Street A, Chula Vista, CA 91911 / Phone: 866.262.9881

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Usury and Regs. Governing Chula Vista

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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