Personal Loans in Fresno

Fresno Personal LoansPersonal Loan #1 In Fresno

This first loan in Fresno, CA is a personal loan applied for and approved. It took one week before the applicant was approved. The APR granted by the lender was 13%, and the loan was for a 3 year period. Final principal on the loan was $3000 and not $2000 as requested.

Type of Loan: Personal Loan

Why do you need a loan?: Car maintenance and medical bills and I’m trying to catch up now that my job situation is getting more steady. (Continued)


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Los Angeles Personal Loan

Los Angeles Personal LoanThis application was made out by a lender in L.A. and they he needed a small loan to tide themselves over for a little bit, while they waited for another source of income to appear on the horizon. They both work and live in Compton. To see the results of the application on the loan, read below.

Type of Loan - Personal Loan

Why do you need a loan? – We (my wife and I) need a loan to pay bills and because we are in need of cash right now for food, etc.

How Much Do You Want To Borrow? – Over $1000 (Continued)


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Legitimate and Reputable Bad Credit Lenders

Today we have created a special page for our Legitimate/Reputable Bad Credit Lender list. As we have mentioned before at CLF, we have taken surveys here, and at all of our sister sites, to see which lenders are ACTUALLY approving loans to borrowers who have bad credit ratings. This took us over a year to get together, and so without further delay, we introduce our first product from California Loan Find!

These lenders are all legitimate and trustworthy. There are no shady banks in this list. There are no Payday lenders in this list. None of these lenders are in the car title loan business, or the pawn shop business. These are banks – plain and simple. All of their lending criteria is a little bit different, but the fact remains that they consider borrowers who have less than good credit. Make sure you bookmark the list page once you get there!

Read below so you don’t waste your money – some borrowers can simply not get approved, so we made this list of reasons why some borrowers are declined.

List of Reasons Bad Credit Borrowers Can’t Get Approved

  1. You must be 21 years of age or older
  2. You must be employed
  3. You must have a FICO score that is higher than 520 (click here if you need to know your FICO score) – almost all most borrowers have FICO scores higher than 550 – you are likely OK)
  4. You must reside in the United States and be a USA citizen
  5. You must NOT have claimed bankruptcy in the last 2 years.

That’s it. You should be OK as far as approval goes. Keep in mind that we don’t give refunds as we had some people get approved and then have the “nuts” to come back for a refund. We’ve had some borrowers who didn’t use the entire list, which we can’t control. We also made the cost of our list low enough that the risk quotient isn’t high for our visitors and readers.

We don’t provide a money back guarantee either – and yes, we understand full well this slows down sales, but we would rather be completely “up front” about it. Even if your situation does not apply to the above List of Reasons for Decline, there is always a possibility that there is some extenuating factor that keeps you from being approved.

Cost of Bad Credit Lenders List

We are charging $29.95 USD for the list. After you have purchased the list (Visa, American Express, Mastercard, Discover, Paypal) you will automatically be taken to the list page. You have unlimited access to this page, OK. If for some reason you are not redirected to the list page after buying, email us and we will confirm your payment and email you the list instead.



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Attorneys Who Fix Bad Credit Ratings

Credit Repair AttorneysMany borrowers and spenders who have bad credit ratings are looking for an attorney who can clean up their credit Bureau reports quickly. Unfortunately, many of these consumers confuse a Chapter 13 bankruptcy with the simple task of removing nonpayment records, defaulted payments, late payments, and underpayments from the credit agency databases. You don’t really need an attorney if you want to get your credit Bureau reports cleaned up in an orderly fashion. You can ask to do this yourself, or you can use one of the many companies who specialize in fixing your back credit scores. When you need an attorney the most is if you are filing a Chapter 13 personal bankruptcy. Then you really have to have a lawyer or some sort of legal office representing you through the process. (Continued)


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What Can I Do About My High Credit Card Debt – Case Study

We had a reader email us the other day asking what she could do about her high credit card debts. She said we could change the name and location and post the email. So here goes. We have paraphrased some of the content so the writing would be a little more understandable.

Hello Carol and CLF folks,

My name is Carly Fornia and my credit card debts are way out of control. I have department store credit cards as well, and my husband has 3 gas station card too. All in total, with the kid’s credit cards included, we have 16 charge cards in the household. I know – it kind of freaked me out too, when I realized how much debt we all were building over the last ten years.

We live in Pasadena, Ca (in LA really) and both my husband and I work. I work for one of the political parties in California Politics (and I won’t mention which one). Let’s leave politics out of this please. Let me give you a hint – I like elephants better than donkeys.

Anyway, our total debt on all these credit cards in our family is over $60,000 dollars. Adding up our total debt has been a stressful realization as you can imagine. The sheer amount of interest we are paying down is quite dramatic. I figured out that we are costing ourselves over $15,000 dollars in interest each year by only making the minimum payment each month on all cards. Some cards are not being abused, but some are. The interest rates vary from 6% to 18% with one that is a high risk card coming in at 23% which barely legal right – wrong? You tell me.

I know there are some new federal statutes coming down the pipe on consumer financial products, but I don’t think these new laws will have any effect on what we as a family are faced with in the accumulated debt from all these cards. We also have a line of credit for $45,000 dollars that only has $3000 left before it has hit the limit. So I need to know what I can do to get out of this situation and get our family finances back in order. We’re really frightened – afraid of losing our house and at the very least, losing our credit rating. It’s likely damaged by now anyway – right? (Continued)


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Good Blog Posts on Debt Reduction and Relief

Since some of our writers have been talking allot about debt reduction and relief, we thought we should perhaps list some other blogs that are writing about the same subject. There are many articles online that touch on debt reduction. Just a short list for now, because I wanted this list to be current and not just older posts from yesteryear.

At CLF we have hit a new milestone for traffic. We have had over 300 unique visitors a day for the entire month of July. This is a big deal, as it has been allot of hard work (even though we really like the writing and watching the progress) and patience as we watch page rank climb, visitors climb, and of course residual income climb.

We never really worried about interacting with other bloggers who write about Personal Financing, and in our case, specifically about loans. CLF was launched back in November 2008 and we’ve slowly picked up writers, authors, and the odd commenter, but we hardly interacted with other bloggers. I suppose this is a mistake, but we wanted to concentrate on simply writing quality articles that consist of fresh, original content. I’ve always thought that was the most important factor with any blog. (Continued)


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Free Directory for Davis Ca Lenders

As part of our ongoing quest to provide lenders in California to borrowers needing some kind of personal financing product or service, we are now adding a free listing page of the credit unions, banks, and unconventional lenders in Davis. This will always be a free service for Davis, Ca residents, borrowers, and banks. It helps CLF provide better information at the same time helps locals in Davis and surrounding areas find loans and financing.

Davis has a particular interest to me because I use to live there back in the early 1980′s. I had many good friends there and the economy was fairly good there at the time. However, the deep recession that started late 2008 has made for bad economic times indeed. Local banks are/were having trouble providing loans for personal use and small business use. The credit crunch has made it all that more important that we provide a free listing here for loan service in Davis. (Continued)


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Free Advertising for Ontario, California Lenders (Private and Commercial Banks)

This is our free space for private and commercial banks doing business in the Ontario, California area (and surrounding areas). If you are a lender that approves loans to people living in the Ontario, or near the Ontario area of CA, please leave as much detail as possible in the comments section found at the very bottom of the page. (Continued)


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Best DIY (Do it Yourself) Credit Card Debt Settlement

Are you looking for the best DIY (Do it yourself) credit card debt settlement solution? If so, there are some basic and fairly easy steps to follow if you want clean up all your CC debts, and perhaps consolidate all your debts into one debt. You don’t want to go all half cocked in this process all by yourself unless you have educated yourself on the proper order in which to go about it. Below we discuss the steps to about clearing off bad CC debt, and what you will need to successfully get a new financial start with the credit agencies and credit card providers.

Should You Even Bother Doing it Yourself?

The most important question is whether or not you should try and negotiate a settlement with your credit card companies on your own. Yes, if you hire professional counselors, trustees, lawyers, or a debt consolidation firm, you are going to have a much easier time with your settlement, and yes, you will have to pay for it. Sometimes more than $2000-$3000 in a worst case scenario. If you decide not to do it yourself, then make sure you hire a debt settlement company when you have the least amount of creditors as possible – this will decrease the bill you get. (Continued)


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Free Online Directory for Concord, Ca (Banks and Private Lenders Welcome)

At ClF we are creating free online directories for banks and private lenders all throughout California. This page is for lenders in the Concord, Ca area. This is sort of a daunting task as there are credit unions, payday cash advance lenders, consumer community banks, commercial banks, and auto title loan companies. This is a very short list actually, and as you might expect there are many more categories of lending, such as mobile home loans (RV), motorcycle, car, truck, and even computer loans. So for any loan company that runs their business out of Concord, or areas near Concord, you can leave your free ad below. (Continued)


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Free Directory for Bakersfield Lenders and Banks

We want to list off any lenders from Bakersfield, CA as part of the CLF personal and small business loan web site. We will start with a small list here. These are conventional banks located in the Bakersfield area. Please add your loan business in the comment section below. Please include the type loan products you provide – Payday, Cash Advance, Installment, Small Business, Personal, Consolidation, RV, Boat, Car, Truck, etc. Include your web site address, phone number, and street address at the minimum.

Thanks you for adding your free listing, and to all the folks in Bakersfield – a big hug ;-)


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Credit Card Debt Elimination (Agencies, Counseling, Firms)

As a borrower and consumer you may one day find yourself in a position whereby you require some assistance from a credit card debt elimination agency. There are many agencies that provide counseling to borrowers who are deep in debt (bad debt) because of their credit card expenditures. It’s very easy to let your spending get out of control with credit cards, and you may find that you need some kind of relief – and fast. Try not to worry. You are doing the right thing by looking for a counseling agent, and once you find an agency close to where you live, you will be extremely relieved after your first visit to their office – I guarantee it, because I used a debt relief company to clean up and pay off all by credit card bills. It’s a huge burden off your financial shoulders – so to speak. This is a rather in-depth article of information all about the process of reducing your credit card debts, getting help from counselors, and finally eliminating all your CC debt for new start and a second chance. You will find this information to be accurate and vital if you have been swimming in credit card debt for months and years. This is a fairly long read.

(Continued)


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Chino Hills – Lenders Get Free Directory

For lenders who service the Chino Hills area of California – we have this special free page so you can post your company information. Please add your phone number, street address, domain name address, and the types of lending products you provide to people in California. Leave this information in the comment section below and we will add it to the list of lenders in this post. Thousands of leads are created here at CLF. Every month the visitor traffic is growing rapidly.

So if you want some free online advertising for your particular lending products serving the people in the Chino Hills area, please let us know if you provide loans to people in the outlying areas as well. These surrounding areas near Chino Hills would be as follows in this list;

  • Chino (Main)
  • Ontario
  • Phillips Ranch

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Free Lenders Directory for Bakerfield, Ca

This space has been developed for private lenders and banks located in Bakersfield, California. This is a free directory of listing for any loan providers operating in the Bakersfield area. It’s very simple in that we allow legitimate lenders to post their contact information and lending products here.

If you would like to advertise your loans and your contact information, and you serve the residents of Bakersfield and surrounding areas, please add your info in the comments box at the bottom of this page. Just write in as much information as possible for you company. We will check it out within 24 hours and approve it. Please don’t just copy/paste your information from another web site – not even yours. (Continued)


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What is Special Financing? – Exactly

What is special financing you ask? It’s a fancy term for a car, truck, RV, or boat loan that is generally approved from a dealership. This is a term in the financing market that always means that it’s a dealer loan, with dealer rates and down payment restrictions. It’s could be called a high risk car loan, or bad credit auto loan, and the same lending stipulation come into play.

The loan carries a higher APR than a standard loan, and the borrow who wants the vehicle from the dealer will have to make a hefty down payment (sometimes more than 25% of the vehicle’s sticker price). The reason the dealer insists on such a large down payment is because they assume that borrowers with bad credit ratings, are higher risks, so they want to make sure your investment in your car is large enough that you don’t want to walk away.

Special financing for a car is just a glorified “poor credit loan” whereby the car, RV, truck, trailer, RV, or boat dealership takes advantage of your low FICO score to make more profit on the financing than they make just from selling their unit to you.

So when you think a dealership is doing you some kind of favor – think again. They’re profiting from your pain.


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Free Classified Ad for Anaheim Lenders

Please include your lending services here if your company operates in Anaheim, California. Please include your bank’s street address, website address, phone number, and the kind of lending you provide to borrowers in Anaheim. You can simply leave all your company information in the comment box below. We will add it to this list – promise. (Continued)


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Terrible Credit – The Worst

I get emails and pleas from would-be borrowers all the time telling me that they need a loan, but they have terrible credit. Sometimes they tell me they have the worst possible credit rating with Equifax, TransUnion, and Experian possible. They tell me that they have a FICO score that is the lowest you can get (300), but yet they want a low interest loan. What’s even worse – they tell me that the loan they want is for a car, a trip, or an expensive toy. They don’t even want the loan to pay off some of their bad debt. Really wacky stuff, but you would be really surprised what some people will ask for.

I usually tell them that they’re not likely to find a lender anywhere that will approve a personal cash loan to a borrower [or non-borrower ;-) ] to someone who describes their own credit rating as terrible, with a FICO of 300. When you have a FICO that is 300 this means that you have a big T stamped on your forehead – maybe not.

Here is an interesting little chart of what FICO scores mean (I have embellished); (Continued)


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Free Directory for Lenders in Chico, California

This space is for lender and banks in the Chico, Ca area. This is a free directory for you enter your information so that you can get some more business. The more information you provide about your lending services, the more you traffic you will get from the thousands of borrowers we get every month here at CLF. Leave your company info in the comment section. (Continued)


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CC Debt Relief Plan – A Tutorial

Introduction to the Plan

The best way to find some credit card debt relief is to seriously sit down and gather all your information as to how many credit cards you currently have, which ones you use the most, and how much debt you’re carrying on them. I suggest never having more than three credit cards on the go at one time, but I’ll get into that on another day. Today we are laying out this step-by-step tutorial on how to shed off your bad CC debt.

What you need now is some sort of relief from the every day stress involved with carrying so much high interest debt. Your average credit card has an 18% interest rate, which could be rolling over every month, causing even more debt building – you must get these cards under control, or canceled, ASAP.

Canceling High Interest Credit Cards

All financial experts will tell you that one of the warning signs that your debt is out of control, and your credit card debt is becoming unmanageable, is when you are paying down a credit card balance with a cash advance from a different credit card. This is true, but sometimes this is what you have to do. (Continued)


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Tired of Being Denied a Payday Loan?

If you’re getting tired of being denied a Payday Loan, consider yourself lucky my friend. These cash advance companies are the worst place to get a loan from. They are in the business of fleecing borrowers with extremely high interest rates and huge penalty fees. If you have never applied for a loan with a Payday lender, then don’t start now. It can turn into a financial addiction that sends you spiraling down into a mountain of debt, and endless collection agency phone calls. You can really hurt your credit rating as a result, and the stress it puts on you is terrible.

Did you know that some borrowers have even committed suicide because of payday loan and/or cash advance debts. These are usually young people that don’t understand yet that, “IT’S ONLY MONEY AND NOTHING TO GET HUNG ABOUT”. The reason these young borrowers feel like their world is crashing in on them, is because they actually believe the threats coming their way from the payday loan company or a collection agency. If you can repay your loan then you may as well not answer the phone, and if you do answer the phone when they call, just hang up. Don’t take them seriously friend, and don’t let it get you down. It’s only money, and the worst they can do is hurt your credit bureau report, and perhaps garnish your wages for awhile if you signed and agreement with them giving them permission. Depending on what State you live in, you may be able to request your employee deny the payday loan company access to your paycheck and any garnishing.

After reading all this, are you still really tired of being denied a Payday Loan?


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