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SUBPRIME Loans California

Home / California

Updated December, 2022

Get a Subprime Loan in California

If you live in California and keep getting turned down for a loan because of your credit rating, you’ve come to the right place. Our team of experts excels when it comes to getting subprime borrowers approved.

If you have some kind of steady monthly income, you can still get approved for a loan even with a poor credit score. You can apply for your subprime loan from this California State page, or from any of our California City and County pages.

At LSP we use SwiftWire™ – a state of art loan processing technology that’s dramatically changed the ratio of subprime approvals in the industry.

Cost Estimate

$500 $250000
1 years30 years
Interest Rate
2%15%
Principal / Interest

Principle Interest

Repay per year at .
Total you will repay:
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Subprime Loans by California City

California City List for December 09, 2022


Los Angeles

 


San Francisco

 


San Diego

 


Riverside

 


Sacramento

 


San Jose

 


Fresno

 


Concord

 


Mission Viejo

 


Bakersfield

 


Murrieta

 


Long Beach

 


Oakland

 


Indio

 


Stockton

 


Oxnard

 


Modesto

 


Anaheim

 


Victorville

 


Lancaster

 


Santa Ana

 


Santa Rosa

 


Santa Clarita

 


Antioch

 


Irvine

 


Chula Vista

 


Fremont

 


Visalia

 


San Bernardino

 


Thousand Oaks

 


Fontana

 


Moreno Valley

 


Santa Barbara

 


Glendale

 


Huntington Beach

 


Salinas

 


Ontario

 


Rancho Cucamonga

 


Hemet

 


Santa Cruz

 


Oceanside

 


Elk Grove

 


Vallejo

 


Garden Grove

 


Corona

 


Hayward

 


Palmdale

 


Sunnyvale

 


Pomona

 


Escondido

 


Fairfield

 


Merced

 


Torrance

 


Roseville

 


Pasadena

 


Santa Maria

 


Orange

 


Fullerton

 


Santa Clara

 


Simi Valley

 


Berkeley

 


Redding

 


East Los Angeles

 


Yuba City

 


Gilroy

 


Chico

 


Seaside

 


El Monte

 


Carlsbad

 


Temecula

 


Clovis

 


Costa Mesa

 


El Centro

 


Downey

 


Richmond

 


Jurupa Valley

 


San Buenaventura

 


Inglewood

 


Turlock

 


Daly City

 


West Covina

 


San Mateo

 


Norwalk

 


Rialto

 


Manteca

 


Arden-Arcade

 


El Cajon

 


Burbank

 


Vista

 


Vacaville

 


Tracy

 


San Marcos

 


Hesperia

 


Compton

 


Menifee

 


Chino

 


Hanford

 


South Gate

 


Carson

 


Livermore

 


Westminster

 


Santa Monica

 


San Leandro

 


Citrus Heights

 


Hawthorne

 


Redwood City

 


Lake Forest

 


Napa

 


Whittier

 


Newport Beach

 


Milpitas

 


Madera

 


Chino Hills

 


Alhambra

 


Mountain View

 


Buena Park

 


Pleasanton

 


Folsom

 


Tustin

 


Lakewood

 


Perris

 


Alameda

 


Watsonville

 


Porterville

 


Upland

 


Davis

 


Camarillo

 


Bellflower

 


San Ramon

 


Baldwin Park

 


Rancho Cordova

 


Lodi

 


Union City

 


Apple Valley

 


Pittsburg

 


Redlands

 


El Paso de Robles

 


Walnut Creek

 


Lynwood

 


Lake Elsinore

 


Rocklin

 


South San Francisco

 


Yorba Linda

 


Petaluma

 


Redondo Beach

 


Laguna Niguel

 


Florence-Graham

 


Tulare

 


Palo Alto

 


Dublin

 


San Clemente

 


Brentwood

 


Carmichael

 


Eastvale

 


Castro Valley

 


Encinitas

 


San Luis Obispo

 


Pico Rivera

 


Montebello

 


National City

 


Woodland

 


La Habra

 


South Whittier

 


Monterey Park

 


Gardena

 


Cupertino

 


La Mesa

 


San Rafael

 


Santee

 


Arcadia

 


Huntington Park

 


Diamond Bar

 


Novato

 


Highland

 


Fountain Valley

 


Hacienda Heights

 


Cathedral City

 


Delano

 


Colton

 


Arroyo Grande

 


Rosemead

 


Paramount

 


Yucaipa

 


West Sacramento

 


Palm Desert

 


Lompoc

 


Glendora

 


Placentia

 


Beaumont

 


Aliso Viejo

 


Rowland Heights

 


Azusa

 


Cerritos

 


Oroville

 


Poway

 


San Jacinto

 


Newark

 


Reedley

 


Cypress

 


Hollister

 


Ceres

 


Palm Springs

 


Antelope

 


Lincoln

 


La Mirada

 


Rancho Santa Margarita

 


North Highlands

 


Florin

 


Covina

 


El Dorado Hills

 


Morgan Hill

 


Coachella

 


Altadena

 


Selma

 


Danville

 


Eureka

 


Desert Hot Springs

 


Rohnert Park

 


Brea

 


San Bruno

 


Oakley

 


Bell Gardens

 


Campbell

 


La Quinta

 


Rancho Palos Verdes

 


Los Banos

 


Montclair

 


San Gabriel

 


Calexico

 


La Puente

 


Culver City

 


Pacifica

 


Martinez

 


La Presa

 


Stanton

 


Wildomar

 


West Hollywood

 


Moorpark

 


Monrovia

 


Claremont

 


French Valley

 


San Juan Capistrano

 


Foothill Farms

 


Temple City

 


Bell

 


Auburn

 


Westmont

 


Manhattan Beach

 


Pleasant Hill

 


Orangevale

 


Oildale

 


Menlo Park

 


Arcata

 


Grass Valley

 


Adelanto

 


Foster City

 


Sonoma

 


Beverly Hills

 


San Dimas

 


Dana Point

 


Ridgecrest

 


Lawndale

 


La Verne

 


Placerville

 


Fallbrook

 


Spring Valley

 


Banning

 


Laguna Hills

 


Orcutt

 


Fair Oaks

 


San Pablo

 


Goleta

 


Burlingame

 


Barstow

 


Santa Paula

 


Los Gatos

 


South Lake Tahoe

 


San Carlos

 


Saratoga

 


Los Altos

 


Atascadero

 


Walnut

 


Suisun City

 


Ukiah

 


Atwater

 


East Palo Alto

 


Wasco

 


Vineyard

 


Benicia

 


Monterey

 


Sonora

 


Galt

 


Sanger

 


Isla Vista

 


Temescal Valley

 


Imperial Beach

 


Ladera Ranch

 


Windsor

 


Maywood

 


Belmont

 


Lemon Grove

 


Lemoore

 


West Whittier-Los Nietos

 


Lafayette

 


Norco

 


Brawley

 


Hercules

 


Soledad

 


Twentynine Palms

 


Bay Point

 


San Lorenzo

 


El Cerrito

 


South Pasadena

 


Yucca Valley

 


Riverbank

 


North Tustin

 


Lathrop

 


Loma Linda

 


Dinuba

 


Ashland

 


San Fernando

 


Seal Beach

 


Calabasas

 


Coronado

 


Valinda

 


Half Moon Bay

 


Rosemont

 


Oakdale

 


Cudahy

 


Winter Gardens

 


West Puente Valley

 


Granite Bay

 


Patterson

 


West Rancho Dominguez

 


Laguna Beach

 


Willowbrook

 


Marina

 


Corcoran

 


Millbrae

 

Truth in Lending

Estimate & Apply

1.

Estimate APR

your apr estimator tool

2.

Estimate Payments

estimate payments schedule

3.

Apply Online

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California Usury Law

Summary brief of California Usury Law § affecting subprime borrowers / Legal: 7% Contract: 10% for personal, family or household purposes or any other purposes / Judgment: 10%

Source: California Government banking and financial division protecting California residents.

Service Highlights

Responsive Team

Our customer service team is highly dedicated – timely response times.

Transparency

Transparency in regard to fees, interest, and true APR. No surprises.

SwiftWire™

SwiftWire™ loan processing technology for security and speed.

Reasonable Rates

No high interest loans that leave you worse off than before your loan.

Testimonials

Jennifer L / Dallas TX

I had really bad credit and I couldn’t get approved by anyone. Not my bank or our local credit unions, or even my family! I filled out countless application forms online and never even got a reply back. My credit score at the time was low at 505 and I didn’t think there was any hope left. But LSP came through for me!! Highly recommended.

Michael M / LA CA

I had really bad credit and I couldn’t get approved by anyone. Not my bank or our local credit unions, or even my family! I filled out countless application forms online and never even got a reply back. My credit score at the time was low at 505 and I didn’t think there was any hope left. But LSP came through for me!! Highly recommended.

Mark E / Phoenix AZ

I want to recommend the team at Local Subprime for their help getting us approved for a bad credit loan. My score was only 564 when I got approved with their process which took 2 days to get funded. Recommend their services to anyone with a bad credit rating.

Janis K / Orlando FL

A special thank you to Arnold at LSP for his patience efforts in getting me approved for a loan. My credit was quite low and I wasn’t getting approved anywhere.

About subprime loans in California

Our primary goal at Local Subprime is to get you approved for a subprime loan, but we want to do more than that for California residents – we want to you help you consider some financial planning as well, so you won’t find yourself in this financial situation later in life.

Help for California residents with bad credit

Your loan approval is not the end of your financial journey (of course), so it’s critical that you move on from your loan towards a new day, a better credit score, a smarter budget, and a new lease on life. To that end, we have provided more than just a loan application for California borrowers. We have a page specifically for subprime borrowers in your local area of California that includes subprime lenders, credit counselors, financial planners, local assistance, even stress management professionals (after all, dealing with a poor credit rating can be extremely taxing).

What will my monthly payments be?

Here at Local Subprime we have unique process for subprime borrowers who are rightfully concerned about their interest rate will be. Even more importantly, you need to know exactly what your true APR is on a subprime loan. Follow the quick and easy steps below to closely estimate your monthly payments, true APR, total payments per year, final payment date (better known as a payment schedule).

STEP 1 – Get your APR estimate

Using our APR estimator tool here, enter your zip code and credit score. This will give you an APR estimate based on what other subprime borrowers in your area of California reported. The information used is provided by fellow California applicants who had a low credit score very close to yours at the time of their loan request.

STEP 2 – Get your payment schedule estimate

After getting your APR estimate, find out what your estimated payment schedule is here. Fill in your loan amount, loan term (length in years), interest rate (your estimated APR), and the day you want to make your first payment.

STEP 3 – Apply for your loan if feasible

If you’ve completed the first two steps above, you should know what your APR is likely to be, and what your payment schedule is likely to be. If at that time you believe you have enough income to afford your new loan, and all other expenses, you can go forward with your loan application.

After your subprime loan

Once you’re approved for your subprime loan, we hope you take advantage of the other local resources in your area of California. Consider checking out the local provider links and the maps we have gathered on the local service page for your area/county/city/town of California. You can search your city or town in our directory to learn more.

Coming in 2022

MT Office

3745 Harrison Avenue
Butte, Montana
USA - 59701
P: (406) 952 9129
a@localsubprime.com

CA Office

35400 Bob Hope Dr.
Rancho Mirage, CA
USA - 92270
P: (406) 952 9129
a@localsubprime.com

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