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Personal loans can be secured or unsecured, and vary in the amount you can borrow, the interest rates, and how soon you have to pay them back. Typically, these loans are designed for Californians with FICO scores falling between 580-720. But if your credit score is lower than 580 you should apply for a bad credit loan. Your APR, as well as the amount of money you can borrow, depends on the lender, credit history, and your current situation.
There are many reasons people in California apply for personal loans:
Personal Loans for Credit Cards
Credit cards are very convenient for use, but it’s easy to get carried away. Most Californians have existing credit card debt. Taking out a low-interest loan to replace the debt from several credit cards could be an excellent solution to keep your financial health in check and maintain a good credit score.
Personal Loans for Urgent Healthcare Expenses
Going to the emergency room in California can be very expensive. This sudden expense is not something many people can easily take care of immediately, but letting it sit for a while may cost you extra fees and decrease your credit score. Many people opt for a personal loan in California to avoid complications.
Personal Loans for Car Repairs
It’s difficult to get by in California without a vehicle. But along with owning a vehicle comes costs for gas, maintenance, and repairs. Even simple repairs of your car often cost over $400, and potentially thousands of dollars for more substantial repairs. Many in California turn to personal loans when they’re met with an unexpected expense for their vehicle.