Second Chance Signature Loans For Bad Credit In California

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Many consumers with bad credit in California may find it difficult to get a signature loan with bad credit. However, people should know that there are several credit unions in the state of California that offer "Second Chance" signature loan programs for those with a not-so-good credit history.

Our staff (along with our loyal viewers) has compiled a list of these credit unions offering such programs. If these programs listed below does not meet your borrowing needs -- please check our list of nationwide banks and financial institutions offering loans to people with less than perfect credit at
asked Oct 1, 2014 in Personal Finance by tomvargo706 (5,290 points)

6 Answers

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Community Trust, a division of Self-Help FCU offers a "fresh start" personal loan that can help rebuild your credit score. This signature loan product is secured with a deposit that will be held in a savings account. After the loan is paid off the they will release the full amount of the loan along with all dividends to you.  
Monthly loan payments are reported to the major credit bureaus over the course of the loan, and it will give you a second chance at building a positive credit history. 
The term of this loan is 12 months or 24 months with a minimum amount of $500 to a maximum amount of $3000.
Members that successfully repay the Fresh Start loan with on-time payments are then able to borrow more money at a lower interest rate and without a security deposit.
For more information please call 877.369.2828 or visit one of the branches below:
101 W. American Canyon Road, Suite 514 American Canyon, CA 94503-1112 
2100 “H” Street, Bakersfield, CA 93301 
45 Castro Street, Floor B, San Francisco, CA 94114-1019
10808 Main Street, Lamont, CA 93241  
2504 Tenaya Drive, Modesto, CA 95354
3183 Jefferson Street, Napa, CA 94558-4923
1432 7th St Oakland, CA 94607
182 N. Main St, Porterville, California 93257 
2256 Patterson Rd. Riverbank, CA 95367
900 Hyde Street, 2nd Floor, San Francisco, CA 94109-4806
2430 Mission St, San Francisco, CA 94110
536 Santa Clara Street, Vallejo, CA 94590-5923
answered Oct 1, 2014 by tomvargo706 (5,290 points)
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Safe Federal Credit Union offers a "Fresh Start Personal Loan Program" that is tailored for people with damaged credit. Consumers must first complete a "Personal Finance Management Program" and then qualified applicants will have the chance to rebuild their credit history with a "Savings Builder Loan".
Please contact one of their branch locations below for more information on their "Fresh Start" loan program:
7887 Walerga Rd Antelope, CA 95843
509 Bradshaw Rd Sacramento, CA 95827
7475 Madison Ave Citrus Heights, CA 95610
9312 Elk Grove Blvd Elk Grove, CA 95624
6341 Folsom Blvd Sacramento, CA 95819
3560 El Camino Ave Sacramento, CA 95821
2901 K St, Suite 100 Sacramento, CA 95816
8789 Auburn-Folsom Rd, Suite B Granite Bay, CA 95746
5261 Hazel Ave Fair Oaks, CA 95628
9162 Bruceville Rd Elk Grove, CA 95758
111 Ferrari Ranch Rd Lincoln, CA 95648
5440 Dudley Blvd McClellan, CA 95652
2200 Del Paso Rd Sacramento, CA 95834
12519 Folsom Blvd Rancho Cordova, CA 95742
122 North Sunrise Ave Roseville, CA 95661
7601 Sunrise Blvd Citrus Heights, CA 95610
4636 Watt Ave North Highlands, CA 95660
9055 Woodcreek Oaks Blvd Suite 150 Roseville, CA 95747
2105 Town Center Plaza, Suite F100 West Sacramento, CA 95691
Interested consumers can also contact SAFE's Call Center at (916) 979-7233 or (800) SEE-SAFE.
answered Oct 1, 2014 by tomvargo706 (5,290 points)
0 votes
Central Coast Federal Credit Union offers a "Credit Builders Personal Loan" for those looking to build back up their credit rating. The approximate term of this loan is 12 months with a annual percentage rate of 18.00%. 
Please contact one of their branches below for further information on this loan product:
4242 Gigling Road
Seaside, CA 93955-6300
(831) 393-3480
900 S Main Street
Salinas, CA 93901-2405
(831) 393-3480
315 Gabilan Drive
Soledad, CA 93960
(831) 393-3480
510 Canal Street
King City, CA 93930
(831) 393-3480
answered Oct 1, 2014 by tomvargo706 (5,290 points)
0 votes
Arrowhead Credit Union offers a "Smart Start Loan"  that was designed to help people either establish credit or repair past credit problems over the course of twelve months.
This Credit Union will open a no credit-qualifying loan of up to $1,000 with a maximum term of 12 months at a annual interest rate of 15%. As you make your payments every month, a portion of the funds become available for you to withdraw. Estimated monthly payments are approximately $90. They report payments each month to the credit bureaus that will gradually help you establish good credit.
For more information on this "Smart Start Loan" offered by Arrowhead Credit Union, please contact one of their banking branches below:
12099 Central Ave.
Chino, CA 91710
23971 Lake Dr.
Crestline, CA 92325
16014 Foothill Blvd.
Fontana, CA 92335
7285 Boulder Ave.
Highland, CA 92346
9267 Haven Ave., Ste. 101
Rancho Cucamonga, CA 91730
1580 Industrial Park Ave.
Redlands, CA 92374
592 W. Foothill Blvd.
Rialto, CA 92376
11150 Magnolia Ave.
Riverside, CA 92505
421 N. Sierra Way
San Bernardino, CA 92410
2500 N. Del Rosa Ave.
San Bernardino, CA 92404
33598 Yucaipa Blvd., Ste. 1
Yucaipa, CA 92399
Contact them toll free at (800) 743-7228
answered Oct 1, 2014 by tomvargo706 (5,290 points)
0 votes
Altura Credit Union with branches located in California offers a "Credit Builder Loan" program for those looking to re-establish their credit rating. The money a consumer borrows is placed into a CD as collateral. Borrowers then make easy monthly payments until the loan is paid off, in which at that time they will have access to the cash.

Applicants with a low credit score you can: • Borrow up to $3,000. • Be approved quickly! • Get a very competitive rate. This can be a step toward rebuilding your credit if you are struggling with a low credit score.

Please call them toll-free (888) 883-7228 for more information and banking branches in California.
answered Oct 1, 2014 by tomvargo706 (5,290 points)
0 votes
Golden 1 Credit Union with many branches throughout California offers a "Starter Loan" to help build or establish new credit.
The minimum loan request is $25 with a maximum amount of $1,500 or a $2,500 maximum with a Co-Applicant or Guarantor. This loan product does not require collateral.
Please call them toll-free at 1-877-GOLDEN 1 (1-877-465-3361) for more information and banking branches in California.
answered Oct 1, 2014 by tomvargo706 (5,290 points)

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