California personal loans review 2024 - 15 best California personal loans for bad credit guaranteed

Hey everyone, Houston (https://houstonmcmiller.net/phone-consultation/) here! Struggling with past-due bills or car repairs in California? Need money fast, but bad credit is holding you back? This video will show you some of the best places to get a loan with bad credit, along with a strategy to increase your income if you have a W-2 job.
Finding the Right Lender:


• •Consider minimum income requirements. Most lenders we'll discuss typically require at least $800 to $1,200 in monthly income for approval.


• •Beware of hard credit inquiries. Many lenders use a soft credit check that won't affect your score.


Bad Credit Loan Options in California:
1. Opp Loan: Offers loans from $500 to $4,000. Minimum income recommendation: $11,200. May work with those in Chapter 13 bankruptcy.
2. Uprover: Offers loans from $300 to $5,000. Soft credit check, won't affect your score. Simple interest loans.
3. Rise Credit: Offers loans from $500 to $5,000. Soft credit check. They may use Clarity, TeleCheck, DataX, or LexNexis to verify past loan history.
4. Indylend: Offers loans from $200 to $5,000. Doesn't report loans to credit bureaus.
5. Money Mutual: Doesn't focus on credit score. Minimum income recommendation: $500. Loans from $200 to $5,000.
6. Opportun: Offers loans from $300 to $10,000. Doesn't affect your credit score. May work with borrowers without a Social Security number.
7. Net Credit: Offers loans up to $110,000 and a $4,500 line of credit. Soft credit check.
8. OneMain: Offers loans from $1,500 to $20,000. Minimum income recommendation: $800 to $1,000.
9. Upstart: Offers loans from $1,000 to $50,000. Uses FICO 9 scoring, which can be better than FICO 8. Tip: Learn how to add authorized users or link rental/utility payments to your credit report to boost your score (link in description).
10. PersonalsLoans.com: A platform connecting you with lenders offering loans from $250 to $35,000. Soft credit check, but some lenders they recommend may do a hard pull.
11. Universal Credit: Offers loans from $1,000 to $50,000. Minimum credit score: 560. Soft credit check.
12. Upgrade: Offers loans from $1,000 to $50,000. Soft credit check. Tip: Even with a good credit score, lenders may deny you due to a high debt-to-income ratio. Many of these lenders are more flexible than traditional banks.
13. Best Egg: Loan options typically require a 600 credit score, but debt-to-income ratio can be higher than 50%. Loans go up to $50,000.
14. Avant: Offers loans from $2,000 to $35,000. Minimum credit score: 580. Interest rates: 9.95% to 35.99%. Loan terms: 12 to 60 months.
Increase Your Income (For W-2 Employees):


• Request a tax-exempt status change for 3-4 months to receive a larger paycheck.


Additional Resources (link in description):


• Learn how to improve your credit score.


• Get help structuring your business and access business loans.


• Schedule a one-on-one consultation for personalized credit and funding advice.


Click here (https://youtu.be/W91cI1lHeHs) !
Remember: Explore all your options and choose the loan that best fits your needs.
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