San Diego Financial Assistance: Installment Loans vs

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San Diego Financial Assistance: Installment Loans vs

A Guide to Getting The Help (and The Loan) You Need

Problems and emergencies can come from anywhere: your car won&8217;t commence, a storm knocks a tree into your house or a debilitating disease means you can no longer work. Sometimes, the response will be as ordinary as taking out a improvised loan to pay for extra expenses. But this won&8217;t always be the case. Fortunately, if you&8217;re living in San Diego there are also lots of ways for you to get help. Problems can come from anywhere, but so can solutions.

Getting Help in San Diego

No matter what kind of problems you&8217;ve encountered, there are government programs, not-for-profit organizations and charities to help you out and get you back on your feet. If you&8217;ve lost a job or a home, if you have a problem with drugs and alcohol or if you&8217;re a military veteran fighting to adjust, there are people and places that can help. Here&8217;s are some of the organizations in San Diego that you can reach out to for assistance.

Charities

If you are a San Diego in need of food, shelter or emergency funds, there are a number of charities in the area that you can turn to for assistance. Some of these programs will help pack your tummy or find shelter for the night, while others can assist you get a fresh job or find more permanent, need-based housing. Whether you need protection from an abusive spouse, clothes for your kids or just a hot meal, here are some of the charities in San Diego that can help:

San Diego, CA 92101

For a list of Salvation Army programs in the San Diego area, click here.

349 Cedar Street

San Diego, CA 92101

For a list of Catholic Charities programs in the San Diego Diocese, click here.

9850 Distribution Avenue

San Diego, CA 92121

(866) 350-FOOD (Toll Free)

(858) 527-1419 (Local)

4699 Murphy Canyon Road

San Diego, CA 92123

For a list of United Way programs in San Diego County, click here.

Healthcare & Community Clinics

When you&8217;re running low on money, it can be hard to find affordable healthcare, especially in an emergency. And if you&8217;re presently homeless or jobless, it might seem almost unlikely. Fortunately, there are lots of clinics and programs with free or discounted rates for needy individuals and families in the San Diego area.

Blythe Family Health Center

321 Hobsonway, Suite C & D

Blythe, California 92225

676 Baseline Road

Winterhaven, CA 92283

Family Health Centers of San Diego

1809 National Avenue

San Diego, CA 92113

Beach Area Family Health Center

3705 Mission Blvd

San Diego, CA 92109

Downtown Family Health Center

San Diego, California 92101

Linda Vista Health Care Center

6973 Linda Vista Road

San Diego, California 92111

Mira Mesa Health Clinic

10737 Camino Ruiz #100

San Diego, California 92126

San Diego American Indian Health Center

3812 Ray Street

San Diego, CA 92104

Consumer Center for Health

San Diego California 92101

Diamond Neighborhoods Family Health Center

4725 Market Street

San Diego, CA 92102

Downtown Family Health Center

San Diego CA 92101

Downtown Mental Health

San Diego California 92101

4171 Fairmount Ave A

San Diego California 92105

Very first Avenue Clinic

2333 1st Ave 204

San Diego California 92101

Hillcrest (North Park) Dental Clinic

San Diego California 92104

Hillcrest Dental Center

1060 University Ave A201

San Diego California 92104

La Maestra Community Health Centers

4060 Fairmount Ave.

San Diego CA 92105

The Free Clinic Project of San Diego

San Diego CA 92101

UCSD Student-Run Free Clinic at Baker Elementary

San Diego California 92113

Food Pantries

Food is something that everyone needs. Unluckily, not everyone can always afford it. Food costs money, after all, and people who have recently lost a job or even their home will find themselves without a cent to spare. If you are a San Diego resident or family who needs food assistance, here is a list of food pantries you can visit:

Bayside Community Center

2202 Comstock Street

San Diego, CA 92111

Church of the Nazarene

4101 University Ave

San Diego, CA 92105

Very first Presbyterian Church of San Diego

320 Date Street

San Diego, CA 92101

Horizon Christian Fellowship

San Diego, CA 92101

International Rescue Committee

5348 University Avenue, Ste 115

San Diego, CA 92105

(619) 641-7510 x263

Third Avenue Charitable Organization

1420 3rd Avenue

San Diego, CA 92101

Uptown Faith Community Service Center

4101 30th Street

San Diego, CA 92101

Drug and Alcohol Addiction

Drug and alcohol addiction doesn&8217;t just ruin the lives of those who suffer from it, it can also ruin the lives of their friends, family and loved ones. If you or someone you know is suffering from an addiction to alcohol or other drugs, here are some resources in San Diego that can help:

San Diego,CA 92121

1600 Pacific Highway, Room 206

San Diego, CA 92101

7989 Linda Vista Road

San Diego, CA 92111

7075 Mission Gorge Road, Suite B

San Diego, CA 92120

4689 Felton Street

San Diego, 92116

Visit www.recovery.org to find San Diego-area rehab centers, clinics, 12-step meetings and other recovery resources.

Veterans Services

There are many veterans of military service who find it difficult to adjust to civilian life. Some suffer from PTSD, others from an injury suffered in service to the country and still others from just plain bad luck. In San Diego, there are many organizations to helping our nations veterans. It can be hard to ask for help, but it&8217;s the very first step to getting back on your feet.

5560 Overland Ave., #310

San Diego, CA 92123

8810 Rio San Diego Drive

San Diego, CA 92108

Sacramento, CA 95814

4141 Pacific Highway

San Diego, CA 92110

3350 La Jolla Village Dr.

San Diego, CA 92161

3350 La Jolla Village Dr.

San Diego, CA 92161

Dial 2-1-1 to reach Courage to Call, a free 24-hour hotline to assist veterans and active-duty service members.

Housing, Rent Assistance & Foreclosure

Losing a house is panicking, tiring and can have life-altering consequences. Whether you are fighting for rights with a predatory lender or are a low-income individual needing rent assistance to keep you and your family in your home, there are slew of resources available. If you are a San Diego resident fighting to pay your rent or mortgage and are facing foreclosure or eviction, here are some places you can go to get some assistance:

1122 Broadway, Suite 300

San Diego, CA 92101

3989 Ruffin Road

San Diego, CA 92123

720 Gateway Center Drive

San Diego, CA 92102

San Diego, California 92101

841 South 41st Street

San Diego, CA 92113

(619) 263-7761 ext. 175

2202 Comstock Street

San Diego, CA 92111

2655 Camino del Rio North, Ste. 120

San Diego, CA 92108

2650 Camino del Rio North, # 209

San Diego, CA 92108

Homelessness

If you are homeless in the San Diego area, your situation doesn&8217;t have to be permanent. It doesn&8217;t matter if you are fighting with a disability, drug addiction or mental health issues. There are organizations and programs dedicated to getting you back on your feet.

Apply for an Emergency Solutions Grant (ECG) through County of San Diego Housing and Community Development. These grants serve to assist individuals as they take the very first step from homelessness to independent living. To apply for a grant, you can contact one of the Four HCD funded programs in San Diego County:

3530 Camino del Rio North, Suite 301

San Diego, CA 92108

650 2nd Street

Encinitas, CA 92024

Chula Vista, CA 91910

Funded by the U.S. Department of Housing and Urban Development (HUD), the San Diego Continuum of Care program works to assist homeless individuals and families in San Diego County. For more information, visit their website.

San Diego County sponsors a Cold Weather Shelter Voucher program that runs from November through April and helps provide improvised housing for the elderly, disabled and families with children during the winter months. For more information, visit www.211sandiego.org.

The Alpha Project administers many different programs to serve the homeless in San Diego. Among the services they suggest are substance manhandle treatment, affordable housing, employment training and mental health services. They can be reached at (619) 542-1877 or at [email protected]

For a list of homeless, crisis and emergency shelters in San Diego, dial 2-1-1 or visit 211 San Diego.

Where to Get a Loan in San Diego

If you&8217;re in San Diego and you need money quick because of an emergency, where can you turn? There are a lot of lenders out there that take advantage of people who are strapped for cash. These are called predatory lenders. (1) Maybe you&8217;ve heard about them on the local news or read about efforts by your local legislators to curtail their business practices. Even if you&8217;re in need of swift cash to pay for a mechanic, a hospital bill or vital home repairs, taking a loan from a predatory lender could make everything far worse. Predatory loans often come in the form of a title loan, a loan from a pawnshop or an auto loan. Before determining when and where you are going to get a loan, make sure you find out The Truth about Payday, Pawnshop, and Car Title Loans. (Two)

Payday Loans in San Diego

A Costly and Dangerous Way to Borrow

Payday loans got their name because they are puny loans, usually in the range of a few hundred dollars, that are meant to be repaid when the borrower receives their next paycheck: they are loans to &8220;tide you over&8221; until your next payday. In San Diego, the max that a person can borrow with a payday loan is $300 with a maximum 15% fee. (Trio) This would add up to an Annual Percentage Rate (APR) of 460% which is common for payday loans, many of which have APRs that are even higher. What a payday lender might say is that the APR for their loan doesn&8217;t matter because, at most, you&8217;re only paying interest and fees for 30 days. Well think again.

If you take out a payday loan and fail to pay it back by the due date, you&8217;ll often be given the chance to &8220;rollover&8221; your loan. This means that the payday lender extends the due date in come back for charging you another fee plus more interest. Now you find yourself owing even more money: the original amount you borrowed plus interest plus fees plus yet another fee. This leads to what is called a &8220;cycle of debt&8221;. People cannot pay their loan back on time and so they roll the loan over and end up owing even more money and cannot pay their loan back so they roll it over and so on.

Fortunately, if you are taking out a payday loan in San Diego, you will not be permitted to roll the loan over as this practice is prohibited under California Law. If you have a complaint against a payday lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Title Loans in San Diego

A Short-Term Loan that Could Lead to Losing Your Vehicle

Title loans are another type of loan that people turn to when they need rapid cash in an emergency. But they would most likely be better off avoiding these kinds of loans altogether.

A title loan is a type of secured loan where the borrower turns over the title to their vehicle to the lender. If the borrower cannot repay the loan on time and in utter, the lender then has the option to repossess the borrower&8217;s vehicle and sell it to recoup their losses. And they often do. A title loan is capped by the value of your vehicle, as the lender will not loan you more money than they can make back by selling your car or truck.

Title loans also come with very high fees and interest rates. A 2014 article in the Sacramento Bee quoted the California Department of Business Oversight as telling &8220;State law does not limit interest rates on consumer loans of $Two,500 or more. In 2013, virtually all auto-title loans — 99.99 percent — were above that amount, meaning there was no cap on interest rates. In most cases, the annual percentage rate on those loans ranged from 70 percent to 100 percent and higher.&8221; (Four)

Taking out a title loan means that you stand to lose your vehicle if you are incapable to pay it back. While the interest rates are lower than with a payday loan and the amount you can borrow is higher, it might not be worth the risk. If you have a complaint against a title lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Pawn Shops in San Diego

Taking a chance Your Valuables May Not Be Worth It

Pawn Shops are a familiar site to any San Diego resident, there are almost 250 scattered across the city. But what you might not know is how pawn shops actually make their money.

When you get a loan from a pawn shop, you do so by &8220;pawning&8221; a valuable item. You bring it into the pawnshop and they give you a loan based on the item&8217;s value. The pawnshop then holds onto the item until you repay the loan. If you do not repay the loan, then the pawnshop gets to keep your item and sell it to make up their losses.

You will be charged interest on the loan and oftentimes an extra fee as well. Under California state law a pawn shop cannot charge more than 3% interest per month and cannot charge a loan setup fee larger than $30. (Five) In some states, lenders can &8220;rollover&8221; a loan if the borrower is incapable to pay it back on time. This means that they extend the due date of the loan in exchange for extra interest and an extra fee. However, rolling over a loan is prohibited under California law.

Just like with a title loan, you stand to lose something valuable if you are incapable to pay back your loan from a pawnshop. In an emergency, getting cash and getting it quick is significant, but there are better financial products available than what a pawn shop has to suggest. Before you make your decision about pawning an item, check out these tips for buying and selling at a pawn shop.(6) You can also find out more about the benefits and drawbacks of pawn shop loans in this Business Insider Article. (7)

If you have a complaint against a pawn shop in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Installment Loans in San Diego

If you find yourself in need of swift cash to cover emergency expenses or you are someone with less-than-perfect credit who is looking to take control of their finances, a private installment loan from OppLoans can be a strategic solution. We suggest private installment loans in San Diego that can help you out of a financial jam. Pack out our prompt and effortless online application today. If you&8217;re approved, you can have the funds in your bank account as early as the next business day.

OppLoans always strives to produce swift, lithe, fair and five-star service:

  • Prompt: Apply online and find out if you&8217;re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Limber: We suggest longer terms, larger loans, and affordable, immobile payments. Your monthly payment will be the same across the life of the loan.
  • Five-Star: Customers rate us Four.9 out of Five starlets for our friendly service. We also provide discounts for credit education.

San Diego Financial Assistance: Installment Loans vs

A Guide to Getting The Help (and The Loan) You Need

Problems and emergencies can come from anywhere: your car won&8217;t begin, a storm knocks a tree into your house or a debilitating disease means you can no longer work. Sometimes, the response will be as plain as taking out a improvised loan to pay for extra expenses. But this won&8217;t always be the case. Fortunately, if you&8217;re living in San Diego there are also lots of ways for you to get help. Problems can come from anywhere, but so can solutions.

Getting Help in San Diego

No matter what kind of problems you&8217;ve encountered, there are government programs, not-for-profit organizations and charities to help you out and get you back on your feet. If you&8217;ve lost a job or a home, if you have a problem with drugs and alcohol or if you&8217;re a military veteran fighting to adjust, there are people and places that can help. Here&8217;s are some of the organizations in San Diego that you can reach out to for assistance.

Charities

If you are a San Diego in need of food, shelter or emergency funds, there are a number of charities in the area that you can turn to for assistance. Some of these programs will help pack your tummy or find shelter for the night, while others can assist you get a fresh job or find more permanent, need-based housing. Whether you need protection from an abusive spouse, clothes for your kids or just a hot meal, here are some of the charities in San Diego that can help:

San Diego, CA 92101

For a list of Salvation Army programs in the San Diego area, click here.

349 Cedar Street

San Diego, CA 92101

For a list of Catholic Charities programs in the San Diego Diocese, click here.

9850 Distribution Avenue

San Diego, CA 92121

(866) 350-FOOD (Toll Free)

(858) 527-1419 (Local)

4699 Murphy Canyon Road

San Diego, CA 92123

For a list of United Way programs in San Diego County, click here.

Healthcare & Community Clinics

When you&8217;re running low on money, it can be hard to find affordable healthcare, especially in an emergency. And if you&8217;re presently homeless or jobless, it might seem almost unlikely. Fortunately, there are lots of clinics and programs with free or discounted rates for needy individuals and families in the San Diego area.

Blythe Family Health Center

321 Hobsonway, Suite C & D

Blythe, California 92225

676 Baseline Road

Winterhaven, CA 92283

Family Health Centers of San Diego

1809 National Avenue

San Diego, CA 92113

Beach Area Family Health Center

3705 Mission Blvd

San Diego, CA 92109

Downtown Family Health Center

San Diego, California 92101

Linda Vista Health Care Center

6973 Linda Vista Road

San Diego, California 92111

Mira Mesa Health Clinic

10737 Camino Ruiz #100

San Diego, California 92126

San Diego American Indian Health Center

3812 Ray Street

San Diego, CA 92104

Consumer Center for Health

San Diego California 92101

Diamond Neighborhoods Family Health Center

4725 Market Street

San Diego, CA 92102

Downtown Family Health Center

San Diego CA 92101

Downtown Mental Health

San Diego California 92101

4171 Fairmount Ave A

San Diego California 92105

Very first Avenue Clinic

2333 1st Ave 204

San Diego California 92101

Hillcrest (North Park) Dental Clinic

San Diego California 92104

Hillcrest Dental Center

1060 University Ave A201

San Diego California 92104

La Maestra Community Health Centers

4060 Fairmount Ave.

San Diego CA 92105

The Free Clinic Project of San Diego

San Diego CA 92101

UCSD Student-Run Free Clinic at Baker Elementary

San Diego California 92113

Food Pantries

Food is something that everyone needs. Unluckily, not everyone can always afford it. Food costs money, after all, and people who have recently lost a job or even their home will find themselves without a cent to spare. If you are a San Diego resident or family who needs food assistance, here is a list of food pantries you can visit:

Bayside Community Center

2202 Comstock Street

San Diego, CA 92111

Church of the Nazarene

4101 University Ave

San Diego, CA 92105

Very first Presbyterian Church of San Diego

320 Date Street

San Diego, CA 92101

Horizon Christian Fellowship

San Diego, CA 92101

International Rescue Committee

5348 University Avenue, Ste 115

San Diego, CA 92105

(619) 641-7510 x263

Third Avenue Charitable Organization

1420 3rd Avenue

San Diego, CA 92101

Uptown Faith Community Service Center

4101 30th Street

San Diego, CA 92101

Drug and Alcohol Addiction

Drug and alcohol addiction doesn&8217;t just ruin the lives of those who suffer from it, it can also ruin the lives of their friends, family and loved ones. If you or someone you know is suffering from an addiction to alcohol or other drugs, here are some resources in San Diego that can help:

San Diego,CA 92121

1600 Pacific Highway, Room 206

San Diego, CA 92101

7989 Linda Vista Road

San Diego, CA 92111

7075 Mission Gorge Road, Suite B

San Diego, CA 92120

4689 Felton Street

San Diego, 92116

Visit www.recovery.org to find San Diego-area rehab centers, clinics, 12-step meetings and other recovery resources.

Veterans Services

There are many veterans of military service who find it difficult to adjust to civilian life. Some suffer from PTSD, others from an injury suffered in service to the country and still others from just plain bad luck. In San Diego, there are many organizations to helping our nations veterans. It can be hard to ask for help, but it&8217;s the very first step to getting back on your feet.

5560 Overland Ave., #310

San Diego, CA 92123

8810 Rio San Diego Drive

San Diego, CA 92108

Sacramento, CA 95814

4141 Pacific Highway

San Diego, CA 92110

3350 La Jolla Village Dr.

San Diego, CA 92161

3350 La Jolla Village Dr.

San Diego, CA 92161

Dial 2-1-1 to reach Courage to Call, a free 24-hour hotline to assist veterans and active-duty service members.

Housing, Rent Assistance & Foreclosure

Losing a house is panicking, tiring and can have life-altering consequences. Whether you are fighting for rights with a predatory lender or are a low-income individual needing rent assistance to keep you and your family in your home, there are slew of resources available. If you are a San Diego resident fighting to pay your rent or mortgage and are facing foreclosure or eviction, here are some places you can go to get some assistance:

1122 Broadway, Suite 300

San Diego, CA 92101

3989 Ruffin Road

San Diego, CA 92123

720 Gateway Center Drive

San Diego, CA 92102

San Diego, California 92101

841 South 41st Street

San Diego, CA 92113

(619) 263-7761 ext. 175

2202 Comstock Street

San Diego, CA 92111

2655 Camino del Rio North, Ste. 120

San Diego, CA 92108

2650 Camino del Rio North, # 209

San Diego, CA 92108

Homelessness

If you are homeless in the San Diego area, your situation doesn&8217;t have to be permanent. It doesn&8217;t matter if you are fighting with a disability, drug addiction or mental health issues. There are organizations and programs dedicated to getting you back on your feet.

Apply for an Emergency Solutions Grant (ECG) through County of San Diego Housing and Community Development. These grants serve to assist individuals as they take the very first step from homelessness to independent living. To apply for a grant, you can contact one of the Four HCD funded programs in San Diego County:

3530 Camino del Rio North, Suite 301

San Diego, CA 92108

650 2nd Street

Encinitas, CA 92024

Chula Vista, CA 91910

Funded by the U.S. Department of Housing and Urban Development (HUD), the San Diego Continuum of Care program works to assist homeless individuals and families in San Diego County. For more information, visit their website.

San Diego County sponsors a Cold Weather Shelter Voucher program that runs from November through April and helps provide improvised housing for the elderly, disabled and families with children during the winter months. For more information, visit www.211sandiego.org.

The Alpha Project administers many different programs to serve the homeless in San Diego. Among the services they suggest are substance manhandle treatment, affordable housing, employment training and mental health services. They can be reached at (619) 542-1877 or at [email protected]

For a list of homeless, crisis and emergency shelters in San Diego, dial 2-1-1 or visit 211 San Diego.

Where to Get a Loan in San Diego

If you&8217;re in San Diego and you need money quick because of an emergency, where can you turn? There are a lot of lenders out there that take advantage of people who are strapped for cash. These are called predatory lenders. (1) Maybe you&8217;ve heard about them on the local news or read about efforts by your local legislators to curtail their business practices. Even if you&8217;re in need of swift cash to pay for a mechanic, a hospital bill or vital home repairs, taking a loan from a predatory lender could make everything far worse. Predatory loans often come in the form of a title loan, a loan from a pawnshop or an auto loan. Before determining when and where you are going to get a loan, make sure you find out The Truth about Payday, Pawnshop, and Car Title Loans. (Two)

Payday Loans in San Diego

A Costly and Dangerous Way to Borrow

Payday loans got their name because they are petite loans, usually in the range of a few hundred dollars, that are meant to be repaid when the borrower receives their next paycheck: they are loans to &8220;tide you over&8221; until your next payday. In San Diego, the max that a person can borrow with a payday loan is $300 with a maximum 15% fee. (Trio) This would add up to an Annual Percentage Rate (APR) of 460% which is common for payday loans, many of which have APRs that are even higher. What a payday lender might say is that the APR for their loan doesn&8217;t matter because, at most, you&8217;re only paying interest and fees for 30 days. Well think again.

If you take out a payday loan and fail to pay it back by the due date, you&8217;ll often be given the chance to &8220;rollover&8221; your loan. This means that the payday lender extends the due date in come back for charging you another fee plus more interest. Now you find yourself owing even more money: the original amount you borrowed plus interest plus fees plus yet another fee. This leads to what is called a &8220;cycle of debt&8221;. People cannot pay their loan back on time and so they roll the loan over and end up owing even more money and cannot pay their loan back so they roll it over and so on.

Fortunately, if you are taking out a payday loan in San Diego, you will not be permitted to roll the loan over as this practice is prohibited under California Law. If you have a complaint against a payday lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Title Loans in San Diego

A Short-Term Loan that Could Lead to Losing Your Vehicle

Title loans are another type of loan that people turn to when they need quick cash in an emergency. But they would most likely be better off avoiding these kinds of loans altogether.

A title loan is a type of secured loan where the borrower turns over the title to their vehicle to the lender. If the borrower cannot repay the loan on time and in total, the lender then has the option to repossess the borrower&8217;s vehicle and sell it to recoup their losses. And they often do. A title loan is capped by the value of your vehicle, as the lender will not loan you more money than they can make back by selling your car or truck.

Title loans also come with very high fees and interest rates. A 2014 article in the Sacramento Bee quoted the California Department of Business Oversight as telling &8220;State law does not limit interest rates on consumer loans of $Two,500 or more. In 2013, virtually all auto-title loans — 99.99 percent — were above that amount, meaning there was no cap on interest rates. In most cases, the annual percentage rate on those loans ranged from 70 percent to 100 percent and higher.&8221; (Four)

Taking out a title loan means that you stand to lose your vehicle if you are incapable to pay it back. While the interest rates are lower than with a payday loan and the amount you can borrow is higher, it might not be worth the risk. If you have a complaint against a title lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Pawn Shops in San Diego

Venturing Your Valuables May Not Be Worth It

Pawn Shops are a familiar site to any San Diego resident, there are almost 250 scattered via the city. But what you might not know is how pawn shops actually make their money.

When you get a loan from a pawn shop, you do so by &8220;pawning&8221; a valuable item. You bring it into the pawnshop and they give you a loan based on the item&8217;s value. The pawnshop then holds onto the item until you repay the loan. If you do not repay the loan, then the pawnshop gets to keep your item and sell it to make up their losses.

You will be charged interest on the loan and oftentimes an extra fee as well. Under California state law a pawn shop cannot charge more than 3% interest per month and cannot charge a loan setup fee larger than $30. (Five) In some states, lenders can &8220;rollover&8221; a loan if the borrower is incapable to pay it back on time. This means that they extend the due date of the loan in exchange for extra interest and an extra fee. However, rolling over a loan is barred under California law.

Just like with a title loan, you stand to lose something valuable if you are incapable to pay back your loan from a pawnshop. In an emergency, getting cash and getting it quick is significant, but there are better financial products available than what a pawn shop has to suggest. Before you make your decision about pawning an item, check out these tips for buying and selling at a pawn shop.(6) You can also find out more about the benefits and drawbacks of pawn shop loans in this Business Insider Article. (7)

If you have a complaint against a pawn shop in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Installment Loans in San Diego

If you find yourself in need of prompt cash to cover emergency expenses or you are someone with less-than-perfect credit who is looking to take control of their finances, a private installment loan from OppLoans can be a strategic solution. We suggest private installment loans in San Diego that can help you out of a financial jam. Pack out our quick and effortless online application today. If you&8217;re approved, you can have the funds in your bank account as early as the next business day.

OppLoans always strives to supply rapid, limber, fair and five-star service:

  • Swift: Apply online and find out if you&8217;re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Nimble: We suggest longer terms, larger loans, and affordable, immobilized payments. Your monthly payment will be the same via the life of the loan.
  • Five-Star: Customers rate us Four.9 out of Five starlets for our friendly service. We also provide discounts for credit education.

San Diego Financial Assistance: Installment Loans vs

A Guide to Getting The Help (and The Loan) You Need

Problems and emergencies can come from anywhere: your car won&8217;t commence, a storm knocks a tree into your house or a debilitating disease means you can no longer work. Sometimes, the response will be as elementary as taking out a makeshift loan to pay for extra expenses. But this won&8217;t always be the case. Fortunately, if you&8217;re living in San Diego there are also lots of ways for you to get help. Problems can come from anywhere, but so can solutions.

Getting Help in San Diego

No matter what kind of problems you&8217;ve encountered, there are government programs, not-for-profit organizations and charities to help you out and get you back on your feet. If you&8217;ve lost a job or a home, if you have a problem with drugs and alcohol or if you&8217;re a military veteran fighting to adjust, there are people and places that can help. Here&8217;s are some of the organizations in San Diego that you can reach out to for assistance.

Charities

If you are a San Diego in need of food, shelter or emergency funds, there are a number of charities in the area that you can turn to for assistance. Some of these programs will help pack your belly or find shelter for the night, while others can assist you get a fresh job or find more permanent, need-based housing. Whether you need protection from an abusive spouse, clothes for your kids or just a hot meal, here are some of the charities in San Diego that can help:

San Diego, CA 92101

For a list of Salvation Army programs in the San Diego area, click here.

349 Cedar Street

San Diego, CA 92101

For a list of Catholic Charities programs in the San Diego Diocese, click here.

9850 Distribution Avenue

San Diego, CA 92121

(866) 350-FOOD (Toll Free)

(858) 527-1419 (Local)

4699 Murphy Canyon Road

San Diego, CA 92123

For a list of United Way programs in San Diego County, click here.

Healthcare & Community Clinics

When you&8217;re running low on money, it can be hard to find affordable healthcare, especially in an emergency. And if you&8217;re presently homeless or jobless, it might seem almost unlikely. Fortunately, there are lots of clinics and programs with free or discounted rates for needy individuals and families in the San Diego area.

Blythe Family Health Center

321 Hobsonway, Suite C & D

Blythe, California 92225

676 Baseline Road

Winterhaven, CA 92283

Family Health Centers of San Diego

1809 National Avenue

San Diego, CA 92113

Beach Area Family Health Center

3705 Mission Blvd

San Diego, CA 92109

Downtown Family Health Center

San Diego, California 92101

Linda Vista Health Care Center

6973 Linda Vista Road

San Diego, California 92111

Mira Mesa Health Clinic

10737 Camino Ruiz #100

San Diego, California 92126

San Diego American Indian Health Center

3812 Ray Street

San Diego, CA 92104

Consumer Center for Health

San Diego California 92101

Diamond Neighborhoods Family Health Center

4725 Market Street

San Diego, CA 92102

Downtown Family Health Center

San Diego CA 92101

Downtown Mental Health

San Diego California 92101

4171 Fairmount Ave A

San Diego California 92105

Very first Avenue Clinic

2333 1st Ave 204

San Diego California 92101

Hillcrest (North Park) Dental Clinic

San Diego California 92104

Hillcrest Dental Center

1060 University Ave A201

San Diego California 92104

La Maestra Community Health Centers

4060 Fairmount Ave.

San Diego CA 92105

The Free Clinic Project of San Diego

San Diego CA 92101

UCSD Student-Run Free Clinic at Baker Elementary

San Diego California 92113

Food Pantries

Food is something that everyone needs. Unluckily, not everyone can always afford it. Food costs money, after all, and people who have recently lost a job or even their home will find themselves without a cent to spare. If you are a San Diego resident or family who needs food assistance, here is a list of food pantries you can visit:

Bayside Community Center

2202 Comstock Street

San Diego, CA 92111

Church of the Nazarene

4101 University Ave

San Diego, CA 92105

Very first Presbyterian Church of San Diego

320 Date Street

San Diego, CA 92101

Horizon Christian Fellowship

San Diego, CA 92101

International Rescue Committee

5348 University Avenue, Ste 115

San Diego, CA 92105

(619) 641-7510 x263

Third Avenue Charitable Organization

1420 3rd Avenue

San Diego, CA 92101

Uptown Faith Community Service Center

4101 30th Street

San Diego, CA 92101

Drug and Alcohol Addiction

Drug and alcohol addiction doesn&8217;t just ruin the lives of those who suffer from it, it can also ruin the lives of their friends, family and loved ones. If you or someone you know is suffering from an addiction to alcohol or other drugs, here are some resources in San Diego that can help:

San Diego,CA 92121

1600 Pacific Highway, Room 206

San Diego, CA 92101

7989 Linda Vista Road

San Diego, CA 92111

7075 Mission Gorge Road, Suite B

San Diego, CA 92120

4689 Felton Street

San Diego, 92116

Visit www.recovery.org to find San Diego-area rehab centers, clinics, 12-step meetings and other recovery resources.

Veterans Services

There are many veterans of military service who find it difficult to adjust to civilian life. Some suffer from PTSD, others from an injury suffered in service to the country and still others from just plain bad luck. In San Diego, there are many organizations to helping our nations veterans. It can be hard to ask for help, but it&8217;s the very first step to getting back on your feet.

5560 Overland Ave., #310

San Diego, CA 92123

8810 Rio San Diego Drive

San Diego, CA 92108

Sacramento, CA 95814

4141 Pacific Highway

San Diego, CA 92110

3350 La Jolla Village Dr.

San Diego, CA 92161

3350 La Jolla Village Dr.

San Diego, CA 92161

Dial 2-1-1 to reach Courage to Call, a free 24-hour hotline to assist veterans and active-duty service members.

Housing, Rent Assistance & Foreclosure

Losing a house is scaring, tedious and can have life-altering consequences. Whether you are fighting for rights with a predatory lender or are a low-income individual needing rent assistance to keep you and your family in your home, there are slew of resources available. If you are a San Diego resident fighting to pay your rent or mortgage and are facing foreclosure or eviction, here are some places you can go to get some assistance:

1122 Broadway, Suite 300

San Diego, CA 92101

3989 Ruffin Road

San Diego, CA 92123

720 Gateway Center Drive

San Diego, CA 92102

San Diego, California 92101

841 South 41st Street

San Diego, CA 92113

(619) 263-7761 ext. 175

2202 Comstock Street

San Diego, CA 92111

2655 Camino del Rio North, Ste. 120

San Diego, CA 92108

2650 Camino del Rio North, # 209

San Diego, CA 92108

Homelessness

If you are homeless in the San Diego area, your situation doesn&8217;t have to be permanent. It doesn&8217;t matter if you are fighting with a disability, drug addiction or mental health issues. There are organizations and programs dedicated to getting you back on your feet.

Apply for an Emergency Solutions Grant (ECG) through County of San Diego Housing and Community Development. These grants serve to assist individuals as they take the very first step from homelessness to independent living. To apply for a grant, you can contact one of the Four HCD funded programs in San Diego County:

3530 Camino del Rio North, Suite 301

San Diego, CA 92108

650 2nd Street

Encinitas, CA 92024

Chula Vista, CA 91910

Funded by the U.S. Department of Housing and Urban Development (HUD), the San Diego Continuum of Care program works to assist homeless individuals and families in San Diego County. For more information, visit their website.

San Diego County sponsors a Cold Weather Shelter Voucher program that runs from November through April and helps provide improvised housing for the elderly, disabled and families with children during the winter months. For more information, visit www.211sandiego.org.

The Alpha Project administers many different programs to serve the homeless in San Diego. Among the services they suggest are substance manhandle treatment, affordable housing, employment training and mental health services. They can be reached at (619) 542-1877 or at [email protected]

For a list of homeless, crisis and emergency shelters in San Diego, dial 2-1-1 or visit 211 San Diego.

Where to Get a Loan in San Diego

If you&8217;re in San Diego and you need money quick because of an emergency, where can you turn? There are a lot of lenders out there that take advantage of people who are strapped for cash. These are called predatory lenders. (1) Maybe you&8217;ve heard about them on the local news or read about efforts by your local legislators to curtail their business practices. Even if you&8217;re in need of quick cash to pay for a mechanic, a hospital bill or vital home repairs, taking a loan from a predatory lender could make everything far worse. Predatory loans often come in the form of a title loan, a loan from a pawnshop or an auto loan. Before determining when and where you are going to get a loan, make sure you find out The Truth about Payday, Pawnshop, and Car Title Loans. (Two)

Payday Loans in San Diego

A Costly and Dangerous Way to Borrow

Payday loans got their name because they are petite loans, usually in the range of a few hundred dollars, that are meant to be repaid when the borrower receives their next paycheck: they are loans to &8220;tide you over&8221; until your next payday. In San Diego, the max that a person can borrow with a payday loan is $300 with a maximum 15% fee. (Trio) This would add up to an Annual Percentage Rate (APR) of 460% which is common for payday loans, many of which have APRs that are even higher. What a payday lender might say is that the APR for their loan doesn&8217;t matter because, at most, you&8217;re only paying interest and fees for 30 days. Well think again.

If you take out a payday loan and fail to pay it back by the due date, you&8217;ll often be given the chance to &8220;rollover&8221; your loan. This means that the payday lender extends the due date in come back for charging you another fee plus more interest. Now you find yourself owing even more money: the original amount you borrowed plus interest plus fees plus yet another fee. This leads to what is called a &8220;cycle of debt&8221;. People cannot pay their loan back on time and so they roll the loan over and end up owing even more money and cannot pay their loan back so they roll it over and so on.

Fortunately, if you are taking out a payday loan in San Diego, you will not be permitted to roll the loan over as this practice is prohibited under California Law. If you have a complaint against a payday lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Title Loans in San Diego

A Short-Term Loan that Could Lead to Losing Your Vehicle

Title loans are another type of loan that people turn to when they need rapid cash in an emergency. But they would very likely be better off avoiding these kinds of loans altogether.

A title loan is a type of secured loan where the borrower turns over the title to their vehicle to the lender. If the borrower cannot repay the loan on time and in utter, the lender then has the option to repossess the borrower&8217;s vehicle and sell it to recoup their losses. And they often do. A title loan is capped by the value of your vehicle, as the lender will not loan you more money than they can make back by selling your car or truck.

Title loans also come with very high fees and interest rates. A 2014 article in the Sacramento Bee quoted the California Department of Business Oversight as telling &8220;State law does not limit interest rates on consumer loans of $Two,500 or more. In 2013, virtually all auto-title loans — 99.99 percent — were above that amount, meaning there was no cap on interest rates. In most cases, the annual percentage rate on those loans ranged from 70 percent to 100 percent and higher.&8221; (Four)

Taking out a title loan means that you stand to lose your vehicle if you are incapable to pay it back. While the interest rates are lower than with a payday loan and the amount you can borrow is higher, it might not be worth the risk. If you have a complaint against a title lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Pawn Shops in San Diego

Taking a chance Your Valuables May Not Be Worth It

Pawn Shops are a familiar site to any San Diego resident, there are almost 250 scattered across the city. But what you might not know is how pawn shops actually make their money.

When you get a loan from a pawn shop, you do so by &8220;pawning&8221; a valuable item. You bring it into the pawnshop and they give you a loan based on the item&8217;s value. The pawnshop then holds onto the item until you repay the loan. If you do not repay the loan, then the pawnshop gets to keep your item and sell it to make up their losses.

You will be charged interest on the loan and oftentimes an extra fee as well. Under California state law a pawn shop cannot charge more than 3% interest per month and cannot charge a loan setup fee larger than $30. (Five) In some states, lenders can &8220;rollover&8221; a loan if the borrower is incapable to pay it back on time. This means that they extend the due date of the loan in exchange for extra interest and an extra fee. However, rolling over a loan is barred under California law.

Just like with a title loan, you stand to lose something valuable if you are incapable to pay back your loan from a pawnshop. In an emergency, getting cash and getting it quick is significant, but there are better financial products available than what a pawn shop has to suggest. Before you make your decision about pawning an item, check out these tips for buying and selling at a pawn shop.(6) You can also find out more about the benefits and drawbacks of pawn shop loans in this Business Insider Article. (7)

If you have a complaint against a pawn shop in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Installment Loans in San Diego

If you find yourself in need of rapid cash to cover emergency expenses or you are someone with less-than-perfect credit who is looking to take control of their finances, a individual installment loan from OppLoans can be a strategic solution. We suggest private installment loans in San Diego that can help you out of a financial jam. Pack out our swift and effortless online application today. If you&8217;re approved, you can have the funds in your bank account as early as the next business day.

OppLoans always strives to produce quick, nimble, fair and five-star service:

  • Rapid: Apply online and find out if you&8217;re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Pliable: We suggest longer terms, larger loans, and affordable, immobilized payments. Your monthly payment will be the same across the life of the loan.
  • Five-Star: Customers rate us Four.9 out of Five starlets for our friendly service. We also provide discounts for credit education.

San Diego Financial Assistance: Installment Loans vs

A Guide to Getting The Help (and The Loan) You Need

Problems and emergencies can come from anywhere: your car won&8217;t embark, a storm knocks a tree into your house or a debilitating disease means you can no longer work. Sometimes, the response will be as plain as taking out a improvised loan to pay for extra expenses. But this won&8217;t always be the case. Fortunately, if you&8217;re living in San Diego there are also lots of ways for you to get help. Problems can come from anywhere, but so can solutions.

Getting Help in San Diego

No matter what kind of problems you&8217;ve encountered, there are government programs, not-for-profit organizations and charities to help you out and get you back on your feet. If you&8217;ve lost a job or a home, if you have a problem with drugs and alcohol or if you&8217;re a military veteran fighting to adjust, there are people and places that can help. Here&8217;s are some of the organizations in San Diego that you can reach out to for assistance.

Charities

If you are a San Diego in need of food, shelter or emergency funds, there are a number of charities in the area that you can turn to for assistance. Some of these programs will help pack your belly or find shelter for the night, while others can assist you get a fresh job or find more permanent, need-based housing. Whether you need protection from an abusive spouse, clothes for your kids or just a hot meal, here are some of the charities in San Diego that can help:

San Diego, CA 92101

For a list of Salvation Army programs in the San Diego area, click here.

349 Cedar Street

San Diego, CA 92101

For a list of Catholic Charities programs in the San Diego Diocese, click here.

9850 Distribution Avenue

San Diego, CA 92121

(866) 350-FOOD (Toll Free)

(858) 527-1419 (Local)

4699 Murphy Canyon Road

San Diego, CA 92123

For a list of United Way programs in San Diego County, click here.

Healthcare & Community Clinics

When you&8217;re running low on money, it can be hard to find affordable healthcare, especially in an emergency. And if you&8217;re presently homeless or jobless, it might seem almost unlikely. Fortunately, there are lots of clinics and programs with free or discounted rates for needy individuals and families in the San Diego area.

Blythe Family Health Center

321 Hobsonway, Suite C & D

Blythe, California 92225

676 Baseline Road

Winterhaven, CA 92283

Family Health Centers of San Diego

1809 National Avenue

San Diego, CA 92113

Beach Area Family Health Center

3705 Mission Blvd

San Diego, CA 92109

Downtown Family Health Center

San Diego, California 92101

Linda Vista Health Care Center

6973 Linda Vista Road

San Diego, California 92111

Mira Mesa Health Clinic

10737 Camino Ruiz #100

San Diego, California 92126

San Diego American Indian Health Center

3812 Ray Street

San Diego, CA 92104

Consumer Center for Health

San Diego California 92101

Diamond Neighborhoods Family Health Center

4725 Market Street

San Diego, CA 92102

Downtown Family Health Center

San Diego CA 92101

Downtown Mental Health

San Diego California 92101

4171 Fairmount Ave A

San Diego California 92105

Very first Avenue Clinic

2333 1st Ave 204

San Diego California 92101

Hillcrest (North Park) Dental Clinic

San Diego California 92104

Hillcrest Dental Center

1060 University Ave A201

San Diego California 92104

La Maestra Community Health Centers

4060 Fairmount Ave.

San Diego CA 92105

The Free Clinic Project of San Diego

San Diego CA 92101

UCSD Student-Run Free Clinic at Baker Elementary

San Diego California 92113

Food Pantries

Food is something that everyone needs. Unluckily, not everyone can always afford it. Food costs money, after all, and people who have recently lost a job or even their home will find themselves without a cent to spare. If you are a San Diego resident or family who needs food assistance, here is a list of food pantries you can visit:

Bayside Community Center

2202 Comstock Street

San Diego, CA 92111

Church of the Nazarene

4101 University Ave

San Diego, CA 92105

Very first Presbyterian Church of San Diego

320 Date Street

San Diego, CA 92101

Horizon Christian Fellowship

San Diego, CA 92101

International Rescue Committee

5348 University Avenue, Ste 115

San Diego, CA 92105

(619) 641-7510 x263

Third Avenue Charitable Organization

1420 3rd Avenue

San Diego, CA 92101

Uptown Faith Community Service Center

4101 30th Street

San Diego, CA 92101

Drug and Alcohol Addiction

Drug and alcohol addiction doesn&8217;t just ruin the lives of those who suffer from it, it can also ruin the lives of their friends, family and loved ones. If you or someone you know is suffering from an addiction to alcohol or other drugs, here are some resources in San Diego that can help:

San Diego,CA 92121

1600 Pacific Highway, Room 206

San Diego, CA 92101

7989 Linda Vista Road

San Diego, CA 92111

7075 Mission Gorge Road, Suite B

San Diego, CA 92120

4689 Felton Street

San Diego, 92116

Visit www.recovery.org to find San Diego-area rehab centers, clinics, 12-step meetings and other recovery resources.

Veterans Services

There are many veterans of military service who find it difficult to adjust to civilian life. Some suffer from PTSD, others from an injury suffered in service to the country and still others from just plain bad luck. In San Diego, there are many organizations to helping our nations veterans. It can be hard to ask for help, but it&8217;s the very first step to getting back on your feet.

5560 Overland Ave., #310

San Diego, CA 92123

8810 Rio San Diego Drive

San Diego, CA 92108

Sacramento, CA 95814

4141 Pacific Highway

San Diego, CA 92110

3350 La Jolla Village Dr.

San Diego, CA 92161

3350 La Jolla Village Dr.

San Diego, CA 92161

Dial 2-1-1 to reach Courage to Call, a free 24-hour hotline to assist veterans and active-duty service members.

Housing, Rent Assistance & Foreclosure

Losing a house is scaring, gruelling and can have life-altering consequences. Whether you are fighting for rights with a predatory lender or are a low-income individual needing rent assistance to keep you and your family in your home, there are slew of resources available. If you are a San Diego resident fighting to pay your rent or mortgage and are facing foreclosure or eviction, here are some places you can go to get some assistance:

1122 Broadway, Suite 300

San Diego, CA 92101

3989 Ruffin Road

San Diego, CA 92123

720 Gateway Center Drive

San Diego, CA 92102

San Diego, California 92101

841 South 41st Street

San Diego, CA 92113

(619) 263-7761 ext. 175

2202 Comstock Street

San Diego, CA 92111

2655 Camino del Rio North, Ste. 120

San Diego, CA 92108

2650 Camino del Rio North, # 209

San Diego, CA 92108

Homelessness

If you are homeless in the San Diego area, your situation doesn&8217;t have to be permanent. It doesn&8217;t matter if you are fighting with a disability, drug addiction or mental health issues. There are organizations and programs dedicated to getting you back on your feet.

Apply for an Emergency Solutions Grant (ECG) through County of San Diego Housing and Community Development. These grants serve to assist individuals as they take the very first step from homelessness to independent living. To apply for a grant, you can contact one of the Four HCD funded programs in San Diego County:

3530 Camino del Rio North, Suite 301

San Diego, CA 92108

650 2nd Street

Encinitas, CA 92024

Chula Vista, CA 91910

Funded by the U.S. Department of Housing and Urban Development (HUD), the San Diego Continuum of Care program works to assist homeless individuals and families in San Diego County. For more information, visit their website.

San Diego County sponsors a Cold Weather Shelter Voucher program that runs from November through April and helps provide makeshift housing for the elderly, disabled and families with children during the winter months. For more information, visit www.211sandiego.org.

The Alpha Project administers many different programs to serve the homeless in San Diego. Among the services they suggest are substance manhandle treatment, affordable housing, employment training and mental health services. They can be reached at (619) 542-1877 or at [email protected]

For a list of homeless, crisis and emergency shelters in San Diego, dial 2-1-1 or visit 211 San Diego.

Where to Get a Loan in San Diego

If you&8217;re in San Diego and you need money quick because of an emergency, where can you turn? There are a lot of lenders out there that take advantage of people who are strapped for cash. These are called predatory lenders. (1) Maybe you&8217;ve heard about them on the local news or read about efforts by your local legislators to curtail their business practices. Even if you&8217;re in need of prompt cash to pay for a mechanic, a hospital bill or vital home repairs, taking a loan from a predatory lender could make everything far worse. Predatory loans often come in the form of a title loan, a loan from a pawnshop or an auto loan. Before determining when and where you are going to get a loan, make sure you find out The Truth about Payday, Pawnshop, and Car Title Loans. (Two)

Payday Loans in San Diego

A Costly and Dangerous Way to Borrow

Payday loans got their name because they are puny loans, usually in the range of a few hundred dollars, that are meant to be repaid when the borrower receives their next paycheck: they are loans to &8220;tide you over&8221; until your next payday. In San Diego, the max that a person can borrow with a payday loan is $300 with a maximum 15% fee. (Three) This would add up to an Annual Percentage Rate (APR) of 460% which is common for payday loans, many of which have APRs that are even higher. What a payday lender might say is that the APR for their loan doesn&8217;t matter because, at most, you&8217;re only paying interest and fees for 30 days. Well think again.

If you take out a payday loan and fail to pay it back by the due date, you&8217;ll often be given the chance to &8220;rollover&8221; your loan. This means that the payday lender extends the due date in come back for charging you another fee plus more interest. Now you find yourself owing even more money: the original amount you borrowed plus interest plus fees plus yet another fee. This leads to what is called a &8220;cycle of debt&8221;. People cannot pay their loan back on time and so they roll the loan over and end up owing even more money and cannot pay their loan back so they roll it over and so on.

Fortunately, if you are taking out a payday loan in San Diego, you will not be permitted to roll the loan over as this practice is prohibited under California Law. If you have a complaint against a payday lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Title Loans in San Diego

A Short-Term Loan that Could Lead to Losing Your Vehicle

Title loans are another type of loan that people turn to when they need rapid cash in an emergency. But they would very likely be better off avoiding these kinds of loans altogether.

A title loan is a type of secured loan where the borrower turns over the title to their vehicle to the lender. If the borrower cannot repay the loan on time and in utter, the lender then has the option to repossess the borrower&8217;s vehicle and sell it to recoup their losses. And they often do. A title loan is capped by the value of your vehicle, as the lender will not loan you more money than they can make back by selling your car or truck.

Title loans also come with very high fees and interest rates. A 2014 article in the Sacramento Bee quoted the California Department of Business Oversight as telling &8220;State law does not limit interest rates on consumer loans of $Two,500 or more. In 2013, virtually all auto-title loans — 99.99 percent — were above that amount, meaning there was no cap on interest rates. In most cases, the annual percentage rate on those loans ranged from 70 percent to 100 percent and higher.&8221; (Four)

Taking out a title loan means that you stand to lose your vehicle if you are incapable to pay it back. While the interest rates are lower than with a payday loan and the amount you can borrow is higher, it might not be worth the risk. If you have a complaint against a title lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Pawn Shops in San Diego

Venturing Your Valuables May Not Be Worth It

Pawn Shops are a familiar site to any San Diego resident, there are almost 250 scattered via the city. But what you might not know is how pawn shops actually make their money.

When you get a loan from a pawn shop, you do so by &8220;pawning&8221; a valuable item. You bring it into the pawnshop and they give you a loan based on the item&8217;s value. The pawnshop then holds onto the item until you repay the loan. If you do not repay the loan, then the pawnshop gets to keep your item and sell it to make up their losses.

You will be charged interest on the loan and oftentimes an extra fee as well. Under California state law a pawn shop cannot charge more than 3% interest per month and cannot charge a loan setup fee larger than $30. (Five) In some states, lenders can &8220;rollover&8221; a loan if the borrower is incapable to pay it back on time. This means that they extend the due date of the loan in exchange for extra interest and an extra fee. However, rolling over a loan is prohibited under California law.

Just like with a title loan, you stand to lose something valuable if you are incapable to pay back your loan from a pawnshop. In an emergency, getting cash and getting it quick is significant, but there are better financial products available than what a pawn shop has to suggest. Before you make your decision about pawning an item, check out these tips for buying and selling at a pawn shop.(6) You can also find out more about the benefits and drawbacks of pawn shop loans in this Business Insider Article. (7)

If you have a complaint against a pawn shop in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Installment Loans in San Diego

If you find yourself in need of rapid cash to cover emergency expenses or you are someone with less-than-perfect credit who is looking to take control of their finances, a private installment loan from OppLoans can be a strategic solution. We suggest individual installment loans in San Diego that can help you out of a financial jam. Pack out our swift and effortless online application today. If you&8217;re approved, you can have the funds in your bank account as early as the next business day.

OppLoans always strives to supply prompt, supple, fair and five-star service:

  • Swift: Apply online and find out if you&8217;re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Limber: We suggest longer terms, larger loans, and affordable, immovable payments. Your monthly payment will be the same across the life of the loan.
  • Five-Star: Customers rate us Four.9 out of Five starlets for our friendly service. We also provide discounts for credit education.

San Diego Financial Assistance: Installment Loans vs

A Guide to Getting The Help (and The Loan) You Need

Problems and emergencies can come from anywhere: your car won&8217;t begin, a storm knocks a tree into your house or a debilitating disease means you can no longer work. Sometimes, the reaction will be as elementary as taking out a improvised loan to pay for extra expenses. But this won&8217;t always be the case. Fortunately, if you&8217;re living in San Diego there are also lots of ways for you to get help. Problems can come from anywhere, but so can solutions.

Getting Help in San Diego

No matter what kind of problems you&8217;ve encountered, there are government programs, not-for-profit organizations and charities to help you out and get you back on your feet. If you&8217;ve lost a job or a home, if you have a problem with drugs and alcohol or if you&8217;re a military veteran fighting to adjust, there are people and places that can help. Here&8217;s are some of the organizations in San Diego that you can reach out to for assistance.

Charities

If you are a San Diego in need of food, shelter or emergency funds, there are a number of charities in the area that you can turn to for assistance. Some of these programs will help pack your tummy or find shelter for the night, while others can assist you get a fresh job or find more permanent, need-based housing. Whether you need protection from an abusive spouse, clothes for your kids or just a hot meal, here are some of the charities in San Diego that can help:

San Diego, CA 92101

For a list of Salvation Army programs in the San Diego area, click here.

349 Cedar Street

San Diego, CA 92101

For a list of Catholic Charities programs in the San Diego Diocese, click here.

9850 Distribution Avenue

San Diego, CA 92121

(866) 350-FOOD (Toll Free)

(858) 527-1419 (Local)

4699 Murphy Canyon Road

San Diego, CA 92123

For a list of United Way programs in San Diego County, click here.

Healthcare & Community Clinics

When you&8217;re running low on money, it can be hard to find affordable healthcare, especially in an emergency. And if you&8217;re presently homeless or jobless, it might seem almost unlikely. Fortunately, there are lots of clinics and programs with free or discounted rates for needy individuals and families in the San Diego area.

Blythe Family Health Center

321 Hobsonway, Suite C & D

Blythe, California 92225

676 Baseline Road

Winterhaven, CA 92283

Family Health Centers of San Diego

1809 National Avenue

San Diego, CA 92113

Beach Area Family Health Center

3705 Mission Blvd

San Diego, CA 92109

Downtown Family Health Center

San Diego, California 92101

Linda Vista Health Care Center

6973 Linda Vista Road

San Diego, California 92111

Mira Mesa Health Clinic

10737 Camino Ruiz #100

San Diego, California 92126

San Diego American Indian Health Center

3812 Ray Street

San Diego, CA 92104

Consumer Center for Health

San Diego California 92101

Diamond Neighborhoods Family Health Center

4725 Market Street

San Diego, CA 92102

Downtown Family Health Center

San Diego CA 92101

Downtown Mental Health

San Diego California 92101

4171 Fairmount Ave A

San Diego California 92105

Very first Avenue Clinic

2333 1st Ave 204

San Diego California 92101

Hillcrest (North Park) Dental Clinic

San Diego California 92104

Hillcrest Dental Center

1060 University Ave A201

San Diego California 92104

La Maestra Community Health Centers

4060 Fairmount Ave.

San Diego CA 92105

The Free Clinic Project of San Diego

San Diego CA 92101

UCSD Student-Run Free Clinic at Baker Elementary

San Diego California 92113

Food Pantries

Food is something that everyone needs. Unluckily, not everyone can always afford it. Food costs money, after all, and people who have recently lost a job or even their home will find themselves without a cent to spare. If you are a San Diego resident or family who needs food assistance, here is a list of food pantries you can visit:

Bayside Community Center

2202 Comstock Street

San Diego, CA 92111

Church of the Nazarene

4101 University Ave

San Diego, CA 92105

Very first Presbyterian Church of San Diego

320 Date Street

San Diego, CA 92101

Horizon Christian Fellowship

San Diego, CA 92101

International Rescue Committee

5348 University Avenue, Ste 115

San Diego, CA 92105

(619) 641-7510 x263

Third Avenue Charitable Organization

1420 3rd Avenue

San Diego, CA 92101

Uptown Faith Community Service Center

4101 30th Street

San Diego, CA 92101

Drug and Alcohol Addiction

Drug and alcohol addiction doesn&8217;t just ruin the lives of those who suffer from it, it can also ruin the lives of their friends, family and loved ones. If you or someone you know is suffering from an addiction to alcohol or other drugs, here are some resources in San Diego that can help:

San Diego,CA 92121

1600 Pacific Highway, Room 206

San Diego, CA 92101

7989 Linda Vista Road

San Diego, CA 92111

7075 Mission Gorge Road, Suite B

San Diego, CA 92120

4689 Felton Street

San Diego, 92116

Visit www.recovery.org to find San Diego-area rehab centers, clinics, 12-step meetings and other recovery resources.

Veterans Services

There are many veterans of military service who find it difficult to adjust to civilian life. Some suffer from PTSD, others from an injury suffered in service to the country and still others from just plain bad luck. In San Diego, there are many organizations to helping our nations veterans. It can be hard to ask for help, but it&8217;s the very first step to getting back on your feet.

5560 Overland Ave., #310

San Diego, CA 92123

8810 Rio San Diego Drive

San Diego, CA 92108

Sacramento, CA 95814

4141 Pacific Highway

San Diego, CA 92110

3350 La Jolla Village Dr.

San Diego, CA 92161

3350 La Jolla Village Dr.

San Diego, CA 92161

Dial 2-1-1 to reach Courage to Call, a free 24-hour hotline to assist veterans and active-duty service members.

Housing, Rent Assistance & Foreclosure

Losing a house is panicking, tiring and can have life-altering consequences. Whether you are fighting for rights with a predatory lender or are a low-income individual needing rent assistance to keep you and your family in your home, there are slew of resources available. If you are a San Diego resident fighting to pay your rent or mortgage and are facing foreclosure or eviction, here are some places you can go to get some assistance:

1122 Broadway, Suite 300

San Diego, CA 92101

3989 Ruffin Road

San Diego, CA 92123

720 Gateway Center Drive

San Diego, CA 92102

San Diego, California 92101

841 South 41st Street

San Diego, CA 92113

(619) 263-7761 ext. 175

2202 Comstock Street

San Diego, CA 92111

2655 Camino del Rio North, Ste. 120

San Diego, CA 92108

2650 Camino del Rio North, # 209

San Diego, CA 92108

Homelessness

If you are homeless in the San Diego area, your situation doesn&8217;t have to be permanent. It doesn&8217;t matter if you are fighting with a disability, drug addiction or mental health issues. There are organizations and programs dedicated to getting you back on your feet.

Apply for an Emergency Solutions Grant (ECG) through County of San Diego Housing and Community Development. These grants serve to assist individuals as they take the very first step from homelessness to independent living. To apply for a grant, you can contact one of the Four HCD funded programs in San Diego County:

3530 Camino del Rio North, Suite 301

San Diego, CA 92108

650 2nd Street

Encinitas, CA 92024

Chula Vista, CA 91910

Funded by the U.S. Department of Housing and Urban Development (HUD), the San Diego Continuum of Care program works to assist homeless individuals and families in San Diego County. For more information, visit their website.

San Diego County sponsors a Cold Weather Shelter Voucher program that runs from November through April and helps provide improvised housing for the elderly, disabled and families with children during the winter months. For more information, visit www.211sandiego.org.

The Alpha Project administers many different programs to serve the homeless in San Diego. Among the services they suggest are substance manhandle treatment, affordable housing, employment training and mental health services. They can be reached at (619) 542-1877 or at [email protected]

For a list of homeless, crisis and emergency shelters in San Diego, dial 2-1-1 or visit 211 San Diego.

Where to Get a Loan in San Diego

If you&8217;re in San Diego and you need money quick because of an emergency, where can you turn? There are a lot of lenders out there that take advantage of people who are strapped for cash. These are called predatory lenders. (1) Maybe you&8217;ve heard about them on the local news or read about efforts by your local legislators to curtail their business practices. Even if you&8217;re in need of swift cash to pay for a mechanic, a hospital bill or vital home repairs, taking a loan from a predatory lender could make everything far worse. Predatory loans often come in the form of a title loan, a loan from a pawnshop or an auto loan. Before determining when and where you are going to get a loan, make sure you find out The Truth about Payday, Pawnshop, and Car Title Loans. (Two)

Payday Loans in San Diego

A Costly and Dangerous Way to Borrow

Payday loans got their name because they are puny loans, usually in the range of a few hundred dollars, that are meant to be repaid when the borrower receives their next paycheck: they are loans to &8220;tide you over&8221; until your next payday. In San Diego, the max that a person can borrow with a payday loan is $300 with a maximum 15% fee. (Three) This would add up to an Annual Percentage Rate (APR) of 460% which is common for payday loans, many of which have APRs that are even higher. What a payday lender might say is that the APR for their loan doesn&8217;t matter because, at most, you&8217;re only paying interest and fees for 30 days. Well think again.

If you take out a payday loan and fail to pay it back by the due date, you&8217;ll often be given the chance to &8220;rollover&8221; your loan. This means that the payday lender extends the due date in come back for charging you another fee plus more interest. Now you find yourself owing even more money: the original amount you borrowed plus interest plus fees plus yet another fee. This leads to what is called a &8220;cycle of debt&8221;. People cannot pay their loan back on time and so they roll the loan over and end up owing even more money and cannot pay their loan back so they roll it over and so on.

Fortunately, if you are taking out a payday loan in San Diego, you will not be permitted to roll the loan over as this practice is prohibited under California Law. If you have a complaint against a payday lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Title Loans in San Diego

A Short-Term Loan that Could Lead to Losing Your Vehicle

Title loans are another type of loan that people turn to when they need rapid cash in an emergency. But they would most likely be better off avoiding these kinds of loans altogether.

A title loan is a type of secured loan where the borrower turns over the title to their vehicle to the lender. If the borrower cannot repay the loan on time and in utter, the lender then has the option to repossess the borrower&8217;s vehicle and sell it to recoup their losses. And they often do. A title loan is capped by the value of your vehicle, as the lender will not loan you more money than they can make back by selling your car or truck.

Title loans also come with very high fees and interest rates. A 2014 article in the Sacramento Bee quoted the California Department of Business Oversight as telling &8220;State law does not limit interest rates on consumer loans of $Two,500 or more. In 2013, virtually all auto-title loans — 99.99 percent — were above that amount, meaning there was no cap on interest rates. In most cases, the annual percentage rate on those loans ranged from 70 percent to 100 percent and higher.&8221; (Four)

Taking out a title loan means that you stand to lose your vehicle if you are incapable to pay it back. While the interest rates are lower than with a payday loan and the amount you can borrow is higher, it might not be worth the risk. If you have a complaint against a title lender in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Pawn Shops in San Diego

Venturing Your Valuables May Not Be Worth It

Pawn Shops are a familiar site to any San Diego resident, there are almost 250 scattered across the city. But what you might not know is how pawn shops actually make their money.

When you get a loan from a pawn shop, you do so by &8220;pawning&8221; a valuable item. You bring it into the pawnshop and they give you a loan based on the item&8217;s value. The pawnshop then holds onto the item until you repay the loan. If you do not repay the loan, then the pawnshop gets to keep your item and sell it to make up their losses.

You will be charged interest on the loan and oftentimes an extra fee as well. Under California state law a pawn shop cannot charge more than 3% interest per month and cannot charge a loan setup fee larger than $30. (Five) In some states, lenders can &8220;rollover&8221; a loan if the borrower is incapable to pay it back on time. This means that they extend the due date of the loan in exchange for extra interest and an extra fee. However, rolling over a loan is prohibited under California law.

Just like with a title loan, you stand to lose something valuable if you are incapable to pay back your loan from a pawnshop. In an emergency, getting cash and getting it quick is significant, but there are better financial products available than what a pawn shop has to suggest. Before you make your decision about pawning an item, check out these tips for buying and selling at a pawn shop.(6) You can also find out more about the benefits and drawbacks of pawn shop loans in this Business Insider Article. (7)

If you have a complaint against a pawn shop in San Diego and or would just like to obtain further information, contact the California Department of Business Oversight at (916) 327-7585 or the Consumer Financial Protection Bureau at (855) 411-2372.

Installment Loans in San Diego

If you find yourself in need of rapid cash to cover emergency expenses or you are someone with less-than-perfect credit who is looking to take control of their finances, a private installment loan from OppLoans can be a strategic solution. We suggest private installment loans in San Diego that can help you out of a financial jam. Pack out our swift and effortless online application today. If you&8217;re approved, you can have the funds in your bank account as early as the next business day.

OppLoans always strives to supply swift, lithe, fair and five-star service:

  • Quick: Apply online and find out if you&8217;re approved in minutes. Once approved you can get your cash as early as the next business day.
  • Limber: We suggest longer terms, larger loans, and affordable, motionless payments. Your monthly payment will be the same across the life of the loan.
  • Five-Star: Customers rate us Four.9 out of Five starlets for our friendly service. We also provide discounts for credit education.

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