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Hey everyone, Houston () 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 () !








Remember: Explore all your options and choose the loan that best fits your needs.



#California #BadCreditLoans #PersonalLoans #IncreaseIncome #Financing #CreditScore

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