Get The Right Loan For You - Bay Area Loan Expert

Get The Right Loan For You!

Why Choose Bay Area Loan Expert

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Our service is 100% free

There is no cost or obligation to use our service. To help keep our service free, we may show you offers for credit-related services like debt relief, credit repair and credit monitoring. So, you can trust Bay Area Loan Expert.

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Access our extended lender group

If we can’t find you a lender in our own network of lenders, we will show your loan inquiry to our extended network of third-party non-lender lender networks to help find you a lender in one of their networks.

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Privacy, security
& 24/7 service

We protect your information with advanced encryption technology. Bay Area Loan Expert are available 24 hours a day, 7 days a week.

Three easy steps, all online

1 Complete our simple online form and see if you are connected with a lender.

2 Compare your options and complete your loan process.

3 Review other non-loan offers to see if any make sense for you.

OUR TRUSTED PARTNERS

PERSONAL LOANS

Personal loans for what you need— and when you need them.

Let us help you take the next step with a personal or auto loan from $1,500 - $20,000

Personal loans can offer an alternative to credit cards by giving you a predictable and fixed repayment plan. They can even be a tool for building credit if you make your payments on time.

Personal loans to help build credit

Can taking out a personal loan help build credit? Handled responsibly, yes. Here are some ways a personal loan can increase your credit score.

Improve or maintain payment history

Making up a whopping 35% of your credit,1 payment history can significantly impact your score. Obtaining a personal loan, then making your monthly payment on time every month, can help give your credit a major boost. Timely payments can also help you avoid late fees and other charges from your lender.

Reduce your credit utilization ratio

Credit utilization starts with understanding revolving credit, a financial term for loans like credit cards that let you borrow money as needed without a specific time to pay off the full amount. Your credit utilization ratio represents the amount of revolving credit you’re using versus how much you have left.If you decide to pay off credit card debt with a personal loan, you can reduce the amount of revolving debt you owe, which could lower your credit utilization ratio and raise your score. And, since your credit utilization ratio is based solely on revolving credit, a personal loan (a type of installment loan) does not add to it.

Add a different type of credit to your credit report

Variety can be good for your credit. Since your credit mix accounts for approximately 10% of your score, opening a personal loan (or similar installment loan) can also strengthen your credit when kept in good standing.

Increase your credit history

When it comes to your credit score, the longer you have an account in good standing, the better. If you need to start building your credit history, getting a personal loan, then paying it on time for the length of the loan, is a great way to get started with Bay Area Loan Expert.

Use a personal loan wisely

When managed correctly, personal loans can boost your credit. But it’s only one way to help strengthen your score. Building your credit takes time and effort. Make the right moves, stay on track and your credit will reflect your efforts!

How It Works

Application

Answer just a few questions about your business to see which lending products you qualify for.

Dedicated
Specialist

We'll pair you with an experienced lending specialist who will reach out to get to know your business.

Multiple Lenders
& Offers

Your lending specialist will help you compare your offers, crunch the numbers, and find the best product for you.

Same-day money with SpeedFunds

Get your money fast — in as little as an hour after closing your loan — using your eligible bank-issued debit card.

The right loan

Let our Bay Area Loan Expert team at the Manteca branch help you take the next step toward achieving your goals with a personal loan. We offer secured and unsecured personal loans from $3,000 to $20,000.1 With fixed interest rates and fixed monthly payments, understanding your new budget will be simple.

Fair terms

All our personal loans have fixed rates, fixed payments and no prepayment fees.1 Once you’re approved, you’ll borrow a set amount of money and pay it off with monthly payments over a scheduled period of time. Keep your mind at ease knowing there won’t be any surprise payments in your future if you pay on time.