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Quick 2-minute form. No impact on your credit score.
Our platform searches hundreds of trusted lenders for you.
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We've been in debt. We've been rejected. We built SwipeSolutions because we know how it feels to be treated like a number. You're not.
Our technology analyzes hundreds of lenders to find matches based on YOUR situation - not just your credit score. Better matches. Better rates.
Local lending landscape and California regulations
California caps APR at 36% for loans under $10,000 and restricts payday loans to $300 maximum with a 15% fee cap.
Fresno's Central Valley location means lower costs than coastal California but also lower wages. California's consumer protections help, but Fresno's 6.2% unemployment makes income stability the priority. Educational Employees Credit Union offers solid options for credit building.
"Fresno's unemployment rate of 6.2% is among the highest of major US cities - financial stability here starts with job security, not borrowing."
- SwipeSolutions, Fresno Market Analysis
Common questions from Fresno residents
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Yes, many lenders in Fresno, California specialize in working with borrowers who have less-than-perfect credit. Our lending network considers factors beyond just your credit score, including your income, employment history, and debt-to-income ratio. Many Fresno residents with credit scores below 600 have been approved.
While requirements vary by lender, many of our California lending partners work with credit scores as low as 580. Some lenders focus primarily on your income and ability to repay rather than your credit score. The best way to find out is to check your rate - it takes just 2 minutes and won't affect your credit.
Bad credit loan amounts typically range from $1,000 to $35,000. Your approved amount depends on your income, existing debts, and the specific lender. Fresno borrowers with stable income often qualify for higher amounts even with lower credit scores.
Many Fresno applicants who are approved can receive funds as soon as the next business day. Some lenders even offer same-day funding for applications submitted early in the day. The approval decision itself often takes just minutes.
No. Checking your rate through our platform uses a soft credit inquiry, which does not affect your credit score. Only after you accept a loan offer and complete the full application will a hard inquiry be made. This means you can compare options risk-free.
Last Updated: Jan 2026