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Updated January, 2023

Get a Subprime Debt Consolidation Loan in Stockton California

Stockton California residents looking for a subprime debt consolidation solution can use the maps and links on this page to find either a nationwide subprime debt solution, or a   local debt solution from a San Joaquin County-based provider.

When you use our application form, simply start by entering your zip code and 3-digit credit score. Our system will use that information to give you a free estimate on the cost of your subprime debt consolidation (whether you choose a local Stockton-based lender or a nationwide lender).

This page also provides links to local Stockton service providers for debt counseling, debt relief. Use the maps to find the closest debt service companies near you, so you can make an appointment. If you can’t find a subprime loan to consolidate all your debt in, or near Stockton, then we recommend using our application form instead.

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Subprime Debt Consolidation Providers
for Stockton California

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Use the map below to identify subprime debt consolidation providers in or near the Stockton, California area. We do not earn commissions from these lenders, nor do we have any business arrangements with these Stockton lenders.

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Stress Management
In or near Stockton CA

Use the map below to identify debt counseling offices in or near the Stockton, California. We do not earn commissions from these providers, nor do we have any business arrangements with these Stockton providers.

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Financial Assistance
In or near Stockton CA

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FAQ: Subprime Debt Consolidation Loans in Stockton CA


1.) What is a subprime debt consolidation loan?

A subprime debt consolidation loan is when a borrower with bad credit takes out a loan to pay off various other debts and is left with one lower interest loan to make payments on. We provide maps for debt consolidation loan providers in your local Stockton area, as well as out of state lenders.

2.) Do you have a Local Subprime office in Stockton, California?

No. is a nationwide lender-borrower conduit service, and does not have consumer office locations in Stockton, or anywhere in San Joaquin County. We are in the process of merging with the company and will be relocating our offices to SoCal.

3.) Who can qualify for a subprime debt consolidation loan?

Any borrower can get approved for a subprime debt consolidation loan, if they have a steady income stream, and a debt to income (DTI) ratio deemed to be manageable by the lender. Stockton CA banks, credit unions, and subprime lenders will need to see proof of income documents.

4.) What is the APR on a subprime debt consolidation loan?

We have subprime debt consolidation rate estimator tool for that purpose. This 100% free tool uses your credit score and zip code to give you an estimate of what your true APR would be for a subprime debt consolidation loan in the Stockton CA area. We use information from borrower survey answers provided by other subprime borrowers with similar credit scores to yours who live in, or near San Joaquin County.

5.) Which lenders in Stockton, California approve subprime debt consolidation loans?

We provide maps above pinning the banks and credit unions who have approved Stockton California subprime debt consolidation loans recently.

6.) What are the risks of a subprime debt consolidation loan?

If you are approved for a subprime debt consolidation loan you must be sure not to take on more debt and find ways to increase income and decrease your monthly costs. IF YOU DON’T do this that is where the risk comes in. You risk damaging your credit further and find yourself in a financial situation that requires debt relief, or in more extreme cases, a personal bankruptcy. Therefore, we highly recommend creating a simple monthly budget and sticking to it.

7.) Do I need to have a home to get approved?

If you own a home in, or near Stockton you can use your property as security on a subprime debt consolidation loan. If you don’t own a home, you will have to prove that you can service the loan over the full term without issue.

8.) Can I get a credit card after a subprime consolidation loan?

You can get a credit card after a debt consolidation loan, but it will most likely be a secured credit card, meaning you will have to secure the card with your own money. This enables you to use a credit card for important purchases while at the same time protect creditors from default. This is a great way to rebuild credit after a debt relief, debt consolidation, or personal bankruptcy. We have provided map pins and links below for the Stockton California offices to help you choose the right solution for you.


January 28, 2023 weekly financial tip.

Rainy Day Cliche

The tired old cliche “saving up for a rainy day”, is like most cliches – the saying has stuck around because it’s proved to be true.

However, most people never do save money because it’s hard to just pay the essential bills most of the time. If you were to get an honest survey of all the people near you in the Stockton CA area, or even all of San Joaquin County (for that matter, all of California State!) you would be shocked how few of your local neighbors add to their savings account on a regular basis.

We know it’s hard, but after you’ve created a realistic (honest with yourself) budget, and track your spending, you’ll be amazed to find out you can begin to start saving money.

Even it it’s just a tiny amount! That’s fine. Just start off slow, and before you know it, you may find out you’re enjoying the art of spend tracking. We’ve seen countless subprime borrowers turn their financial situation around in the exact same way – budget, spend tracking, and planning.

Coming in 2023

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3745 Harrison Avenue
Butte, Montana
USA - 59701
P: (406) 952 9129

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Rancho Mirage, CA
USA - 92270
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