Wondering... “Where can I find a personal loan if I have bad credit, near me in California?"


Likely, right here! 286 locations to see. Advance America - Modesto, CA, Advance America - El Monte, CA, OneMain Financial - Santa Rosa, CA, Advance America - Victorville, CA, Advance America - Salinas, CA, Check ‘n Go - San Diego, CA, and many more are located near you. Locations, contact information, hours and more here in California. Detailed bad credit personal loan information below.

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Related California Loan Programs

Personal Loans in CA
$1,000 to $40,000 - Credit Score 650+
 
Payday Loans in CA
Up to $1,000 – Credit Score NA

The following classes of lending organizations may be exempt from some, all, or none of the regulations and laws set by the sate of California. Federally chartered banks, state chartered banks, credit unions and some entities organized under the laws of a sovereign nation (for example) a Native American Tribe or the country of Antigua.
 

California Personal Loan for Bad Credit Lending Regulator (CA)

Regulating Authority
California Department of Business Oversight
Financial Services Division
1515 K St. Ste 200
Sacramento, CA 95814
(866) 275-2677, (916 )445-7205
https://dbo.ca.gov/

Agency for Handling Complaints
California Department of Business Oversight
Financial Services Division
1515 K Street Suite 200
Sacramento , CA 95814
(866) 275-2677, (916) 445-7205
https://dbo.ca.gov/file-a-complaint/

 

Personal Loan for Bad Credit Lenders (CA) by City

Flag of the State of California Sometimes life in the Golden State doesn’t feel so golden. Stuff breaks, luck runs out, and you know that kind of thing happens all the time. So when you’re down on your luck and you need an installment loan for bad credit to fix what’s broken, where in California can you find one?

You know it’s bound to happen: your truck needs a new transmission in Turlock. Or, maybe there’s a Sig-Alert and you’re stuck in gridlock on the freeway. Of course, your car overheats. You’re going to need a tow, a rental car, and a new radiator. When your California Bank and Trust account is emptier than the Salton Sea –an installment loan could be the answer to all your problems.

Warranties always seem to expire right before the product breaks. If you need a new refrigerator in Redwood City, a laptop in L.A., or a washer and dryer in Sacramento – and you don’t have the cash – an installment loan can bail you out.

There are some things insurance just doesn’t cover – what about the deductible you have to pay because you banged your head surfing in Santa Cruz? What if a bunch of trees fall across your driveway during an earthquake in Irvine? Or, maybe your dog bites your neighbor in Norwalk, and you have to pay for his stitches? An installment loan can make those things happen, even if you have bad credit.

When life throws more at you than your bank account can handle, let We Give Loans help you. With over 2 million satisfied customers, and 286 loan sources that specialize in consolidation loans for bad credit in our network, We Give Loans has the experience and resources to help almost anyone. Our unique no cost, no obligation, consumer-to-lender pairing process has been helping people since 2006.

With lenders offering personal loans for bad credit in amounts from $500 to $5,000, with flexible terms of 2 to 36 months, we can help you find solutions for a variety of needs. Even if you have bad credit, We Give Loans can typically find a loan source willing to work with you and get you the cash you need.

Simply fill out a short and secure form on our website. We will match your unique situation with bad credit personal loan lenders in our network and give you options to choose from. Select a source, complete your loan with them and your loan could be approved online in just moments. With most lenders, you could have your cash within one to three business days. Apply now and see how quickly we can help you find financial peace of mind.

Thanks to We Give Loans, you can get back to your life and California dreamin’ quickly and securely, no matter where you are.

California Debt Relief, Financial Counseling, and Consumer Credit Information


If you would like to look into the possible benefits of these services, National Debt Relief - Whom Offers a Free Savings Estimate is a leader in financial counseling services in California.

California Personal Loan for Bad Credit Laws and Regulations in (CA)


(last updated 01/26/2020)

For Loan Amounts of $2,500 or more, rates are set by the market place.

For Loan Amounts Less Than $2,500
22303: Every licensee who lends any sum of money may contract for and receive charges at a rate not exceeding the sum of the following:
(a) Two and one-half percent per month on that part of the unpaid principal balance of any loan up to, including, but not in excess of two hundred twenty-five dollars ($225).
(b) Two percent per month on that portion of the unpaid principal balance in excess of two hundred twenty-five dollars ($225) up to, including, but not in excess of nine hundred dollars ($900).
(c) One and one-half percent per month on that part of the unpaid principal balance in excess of nine hundred dollars ($900) up to, including, but not in excess of one thousand six hundred fifty dollars ($1,650).
(d) One percent per month on any remainder of such unpaid balance in excess of one thousand six hundred fifty dollars ($1,650).

22304: As an alternative to the charges authorized by Section 22303, a licensee may contract for and receive charges at the greater of the following:
(a) A rate not exceeding 1.6 percent per month on the unpaid principal balance.
(b) A rate not exceeding five-sixths of 1 percent per month plus a percentage per month equal to one-twelfth of the annual rate prevailing on the 25th day of the second month of the quarter preceding the quarter in which the loan is made, as established by the Federal Reserve Bank of San Francisco, on advances to member banks under Sections 13 and 13a of the Federal Reserve Act, as now in effect or hereafter from time to time amended, or if there is no single determinable rate for advances, the closest counterpart of this rate as shall be determined by the Commissioner of Financial Institutions. Charges shall be calculated on the unpaid principal balance.

22305: In addition to the charges authorized by Section 22303 or 22304, a licensee may contract for and receive an administrative fee, which shall be fully earned immediately upon making the loan, with respect to a loan of a bona fide principal amount of not more than two thousand five hundred dollars ($2,500) at a rate not in excess of 5 percent of the principal amount (exclusive of the administrative fee) or fifty dollars ($50), whichever is less, and with respect to a loan of a bona fide principal amount in excess of two thousand five hundred dollars ($2,500), at an amount not to exceed seventy-five dollars ($75). No administrative fee may be contracted for or received in connection with the refinancing of a loan unless at least one year has elapsed since the receipt of a previous administrative fee paid by the borrower. Only one administrative fee may be contracted for or received until the loan has been repaid in full. For purposes of this section, “bona fide principal amount” shall be determined in accordance with Section 22251. This information is for informational purposes only. Although care has been taken to accurately describe the laws and regulations in California, no guarantees are implied or expressed about its accuracy. This is not legal advice. If you need legal advice, please consult an attorney or the California Department of Business Oversight.