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Are you looking for some of the best online payday loans? This article provides you with various options to help you with your financial needs. Don’t miss it!
Loans
Know that you’re not the only one in the world if you find yourself drowning in debt and lacking resources. This economic problem is one that millions of individuals worldwide deal with daily.
The economic crisis has altered everyone’s lives and affected their financial situation. Money-related issues are widespread, but there is always a way out of a financial crisis and back to square one.
Not everyone is qualified to receive loans from banks and other institutions since not everybody has a stellar credit history and credit score. However, many lending providers act as a great middleman between borrowers with poor credit and the top lenders. They could be able to provide the necessary amount of money to these same individuals.
Always keep in mind that if you find yourself in a financial crisis and debts are an intricate part of your daily life, you may choose the best lending company and receive the money you truly need while still having a great experience.
Apply for the best online payday loans from one of the best loan providers with approval guarantees to live a more comfortable life than ever. So, let’s discover more!
You are not required to accept a loan that has unreasonable terms, rates, or rules. The freedom of choice is also a significant advantage for all five selected platforms.
MoneyMutual – Overall best payday loans online guaranteed approval, editor’s pick
BadCreditLoans – Top bad credit payday loans provider with guaranteed approval
RadCred – Reliable small payday loans online with bad credit score
CashUSA – Direct lender payday loans platform with quick cash
PersonalLoans – Trusted online lender for personal payday loans for bad credit
If you don’t have a good enough credit score to qualify for a personal loan, you might want to look into this platform. Regardless of your financial situation, MoneyMutual will provide appealing payday loans.
The platform’s repayment terms are also entirely appropriate, and each loan company available on MoneyMutual has been certified and verified. They are the best option if you need a bad credit loan with low monthly payments.
Registering with this platform allows you to access the most reliable bad credit lenders. Furthermore, the funds from the loan will be transferred to your checking or savings account in 24 hours. Most significantly, if your loan application is granted, you won’t be assessed a loan origination fee.
In addition to payday loans for people with bad credit, MoneyMutual also provides debt consolidation loans. Users can apply for loans between $200 and $5,000.
The amount of your loan will be determined by your debt-to-income ratio, which is relatively simple to calculate—finally, online lenders on the platform charge lower interest rates than other lenders.
There are no twists or turns. MoneyMutual’s policy appeals to us because they do not charge additional fees for their services.
This is especially beneficial because it can be difficult to obtain a payday or a bad credit loan without feeling overcharged or taken advantage of by large banks looking to take advantage of you.
Many common signs of payday loan fraud, such as funds being delivered via unusual checks, borrowers being required to accept debt collection calls, and demands for payment in unusual currencies, do not occur among MoneyMutual’s network of lenders.
The automated system at MoneyMutual allows you to contact all available lenders at any time. Furthermore, before you begin your application, they display the number of loan providers we double-checked and discovered to be considerably more than 60.
A variety of factors influence the time it takes to receive an offer. If a lender responds quickly to your request, that lender may respond with the amount of money they will lend as well as the interest rate they will charge.
MoneyMutual does not actively participate in the details of a loan because of their straightforward business model — they do not determine the loan’s amount, interest rate, or repayment period.
The basic eligibility requirements are simple, and they are as follows:
The age requirement is 18 years old
You must be a legal US citizen
You must have a reliable revenue source (which you must demonstrate)
You must have a current checking account.
The final criterion is that lenders in the network can immediately deposit your funds and withdraw payment on your payday (in the case of cash advances or payday loans).
No fees are charged
The approval application process should be simple and painless
A simple-to-use website
Direct deposits of funds can be made in as little as 24 hours
MoneyMutual works with over 60 lenders
Must be able to demonstrate a reliable source of income
There may be few loan options available
⇒ Visit the Official Website of MoneyMutual
BadCreditLoans is a loan platform that was created to make it easier for people with bad credit to find worry-free financial assistance. Even if your credit is somewhat solid and stable, BadCreditLoans, a portal dedicated to bad credit services, has alternative options that may be beneficial.
All clients are not charged a fee to use the form or the mediating services. Lenders and other participants in this process pay BadCreditLoans a monthly subscription fee. You will never be asked to pay for the application form or any other costs associated with BadCreditLoans’ services because the site only makes money from lenders, not customers.
Because BadCreditLoans is not a lender, it will connect you with a loan candidate. Therefore, you have free access to the expanded lender network and you can be matched with multiple lenders.
On the platform, you can find third parties who may come across you, and offer you additional financial services in addition to the loan. Please consult the website’s third-party list to learn about other parties involved in the borrowing process.
BadCreditLoans wants you to be informed and aware of the steps in the process. On the website, there are many useful articles with important information about potential con artists and other loan issues.
On BadCreditLoans.com, you can apply for a loan ranging from $500 to $10,000. Customers with poor credit can be approved for a maximum loan amount of $1,000. Bad credit loans are only available for a limited amount of money because lenders are hesitant to offer large loan amounts to borrowers with erratic credit records.
The loan’s principal may be subject to Annual Percentage Rates ranging from 5.99% to 35.99%. BadCreditLoans has limited this rate because lenders used to charge outrageously high Annual Percentage Rates on bad credit loans in recent years.
As a customer with poor credit, you should expect a high-interest rate and penalties. The majority of loans have penalty costs, but those for borrowers with bad credit have higher penalties because these borrowers have a history of poor financial management.
If your credit is severely damaged, your chances of obtaining a loan may be reduced, but you may still receive an offer from non-lender partners.
You must meet the following requirements when applying for a BadCreditLoans loan:
You must be a legal US citizen
The age requirement is 18 years old
You must keep a consistent revenue stream
A checkbook is required
You’ll need to enter information like your bank account details.
Loan estimates can be obtained without cost at all
Numerous loans offer flexible terms that lower their costs for customers
There are unsecured loans accessible
Frequently, origination fees are prohibitively expensive
⇒ Visit the Official Website of BadCreditLoans
RadCred is a relatively new entrant into the online lending market, but it offers a lot. The surface of the website is straightforward to use. Even if you are unfamiliar with computers or mobile devices, you can quickly understand how this platform works and where to find the application request.
When you open RadCred, the application form is visible at the top. It is easy to complete and has simple criteria. There are no specific papers or details required for the information you should include in the request. You only need to have your ID and bank account information on hand when applying.
We understand the importance of your personal information and your concerns about its security. However, RadCred provides the highest level of security on its database and is TrustedSite certified. To protect against unauthorized use, the supplied information is also encrypted using 2048-bit security procedures.
Your shared information is only available within the RadCred network. If the client does not receive a loan from the lender partners, the application form is only sent to non-lender partners who provide alternative financing options.
This website offers loans ranging in size from $1,000 to $35,000. However, loans of less than $1,000 are also available to customers with poor credit. Why is that so? Because clients with bad credit have a better chance of getting smaller loans approved. Furthermore, a person with a bad credit history will not receive much money from a lender.
RadCred cannot guarantee that a lender in its network will approve you for a loan or determine your eligibility with certainty. When you receive the lender’s response, RadCred’s job is complete, and they are no longer involved.
Clients are not charged for the application form or mediation services, but lenders must cover their costs. Although you may not be required to pay application fees, you will be required to pay loan fees.
Among the loan fees that lenders may impose are the origination fee, fines, and other costs such as interest rates and APR. All of these fees are set at the lender’s caution. They are frequently calculated by considering the loan amount, creditworthiness, repayment period, and annual income.
If you want to apply for a loan through RadCred, you must meet the following criteria:
You must have a consistent monthly income
You must be a legal US citizen
The age requirement is 18 years old
You must have a bank checking account.
They offer instant loan approval
They are a member of the OLA
Cost transparency
It connects you with many lenders
Personal information is kept safe
They provide excellent customer service
There are numerous credit options available
Up to $35,000 in loans are available
Credit scores are not taken into account
Only United States residents are eligible
A monthly net income of at least $2,000 is required
Different lenders charge different interest rates
⇒ Visit the Official Website of RadCred
Through its broad network and those of other third parties, CashUSA evaluates applications and matches borrowers with the finest lenders. They offer many services, including a free service and a variety of business advertising options for cash loans.
CashUSA allows you to apply for loans ranging from $500 to $10,000 regardless of the type of lender with whom you work. You begin repaying your installment loan three to 12 months after receiving funds, depending on the terms of your loan agreement.
They will then forward your documentation to the lenders with whom they work. These lenders will review your application to determine whether you are a good fit.
If you meet the requirements, they will give you additional information, such as interest rates and terms, to help you make an informed decision.
If you accept the terms, CashUSA will put you in touch with the lender to finalize the loan. The funds will typically be available in your bank account within 24 hours of approval. They also promise to make bad credit loans available to users with low or average incomes.
CashUSA is more than just a global payday loan market; it also has a resource library to help customers understand their finances better.
Their straightforward, user-friendly website is encrypted to safeguard users’ privacy and security. All obtained information is assumed to be secure and private. You can freely choose a lender to help you with your request on the website.
CashUSA has a simple application process that takes only a few minutes to complete and has few requirements. After submitting your application, you will receive an immediate response with an offer.
These loans have Annual Percentage Rates (APRs) ranging from 5.99% to 35.99%, depending on your income, creditworthiness, and other factors. As a result, loan terms range from 90 days to 72 months, giving you plenty of leeway in determining your ideal monthly payment.
The information on their website appears to be straightforward to understand. Furthermore, because CashUSA is a free service with numerous business advertising options for payday loans, it implies various offers.
The following are the minimum requirements:
The age requirement is 18 years old
A $1,000 minimum monthly income is required
You’ll need to provide a valid phone number and email address
You must be a legal US citizen.
The form will ask for your ZIP code, birth year, and the last four digits of your Social Security Number.
There is no minimum credit score needed
The application process is simple and quick
Direct deposit funds into your bank account
It assures that all lenders abide by the Fair Debt Collection Practices Act by forcing lenders to publish all loan terms and conditions
They do not offer their services in every state
⇒ Visit the Official Website of CashUSA
PersonalLoans ensures that funds are delivered to customers securely, safely, and promptly. You can begin obtaining the funds you require whenever it is most convenient for you, thanks to a large network of lenders available around the clock.
The loan amounts range from $500 to $35,000. Furthermore, PersonalLoans’ lending partners offer unsecured loans. To receive the entire loan, you must have enough money, good credit, and other factors. Moreover, the APR varies depending on your credit history and the loan amount you wish to borrow.
There are no additional fees or costs associated with either of these networks. Connecting with borrowers using this platform takes a few minutes because the web form is so easy to complete.
Personal loans have an APR that runs from 5.99% to 35.99%. (according to their website). That’s not too bad if you can stay near the bottom of that range.
PersonalLoans are adaptable, which is one of their greater benefits. Depending on the applicant’s credit history, loan type, and loan amount, loan terms range from six to 72 months.
PersonalLoans connects borrowers with lenders rather than directly lending money. This provides you with more options without requiring you to apply for a loan with each lender separately, which saves you time and effort. As a result, you can determine which loan types you qualify for much faster than contacting each lender separately.
Their FAQs section covers the basics, and when in doubt, a more in-depth discussion with the team or individuals can be held using their resources.
Additionally, the loan types available on this platform are more diverse. They make it difficult for consumers to obtain funds for special occasions, as well as payday loans and bad credit.
The application determines whether or not everyone has access to everything, but they generally do not focus solely on a unified financial background. We got the impression that there is something for everyone while browsing their website.
There are three types of loans available: bank loans, installment loans, and peer-to-peer loans. The loan amount and credit score required for approval vary depending on the type. Their loans range in value from $1,000 to $35,000 USD.
To qualify for a PersonalLoans personal loan, you must meet the following requirements:
You must be a legal US citizen
A $2,000 minimum monthly income is necessary
The age requirement is 18 years old.
Depending on your credit score, loans of up to $35,000 are possible
The loan application process is simple
Large loans can be repaid over a six-year or 72-month period
You will receive your funds within one business day
Allow people with both bad and good credit to apply for loans
They do not offer their services in every state
⇒ Visit the Official Website of Personal Loans
We started our research by looking for platforms that can help every American create a financial plan. Our list includes websites that offer quick mediation services across the United States.
The best part is that American citizens can apply for a loan and have the funds deposited into their accounts even if they are currently abroad.
You can access these platforms no matter where you are. Unfortunately, foreigners are unable to apply through these platforms because they require an American Social Security Number as well as a government-issued identification document.
To put it another way, our first step was to identify media platforms that would be accessible to every American at any time and from any location.
Private lenders could be risky. Loan sharks, or lenders who charge exorbitant interest rates and fees, abound on the Internet. We made the lender’s dependability and professionalism our second criterion to keep you out of financial trouble and debt.
All five lending platforms have stringent requirements for lenders who want to join their networks. Another reason we trust these websites is that not everyone who identifies as a lender can be a part of them. When you contact a lender, you can look up their dependability and reputation on the Internet.
Most online lenders charge an application fee if you use a direct lender application. But how do you know if the chosen leader is a good match? As a result, we chose platforms that will not charge you for using their services.
Rather than their clients, all five platforms are profitable because of their lenders and non-lender partners. Visit the websites, look around, read some of the informative material, apply for a loan, and even talk to their customer service representatives. There are no fees associated with using any of these platforms.
Our final criterion was the loan’s flexibility. Lender partners on our platforms are trustworthy and understandable individuals who offer flexible loan terms, rates, and conditions.
As a result, the loan repayment terms available on these websites can range from three months to six years. Overall, payday loans have short repayment terms and may be suitable for all needs and financial circumstances.
The loan amounts you can request range from $100 to $35,000. Everyone has unique needs and the right to choose the loan amount that best meets their requirements. On all five platforms, you can enter the loan amount you require.
Another thing that our preferred platforms have in common is that you are not required to be connected with only one lender. Many lenders may respond to your request, which means you might receive multiple loan offers.
If more lenders are willing to make you an offer, you may have several options. This allows you to compare offers and select the loan that best meets your needs.
It is critical to comprehend why you are requesting a loan. You’ll know the appropriate monetary amount for your situation this way. If you want to buy a car, secured loans for people with bad credit are the best option. However, unsecured loans are ideal if you need to repair your vehicle or use it as collateral.
Then consider how quickly you can obtain your money. You can use the funds to solve the problem and pay back the loan as soon as possible.
Using a lending marketplace, you can connect with multiple potential lenders. A lender may make you an offer for a loan with an extremely high-interest rate based on how low your bad credit score is.
Examine whether the offer you accept is the best one available. Furthermore, depending on the lender, some wiggle room may be available. Some borrowers have no or little credit history.
Online payday loans have exorbitant interest rates because they are created by lenders who only work with the sites that offer them. Websites have minimal impact on business transactions.
MoneyMutual and other online platforms can claim to have no hidden fees or costs. This allows you to focus solely on repaying the loan and avoiding additional debt.
Some lenders may charge you additional penalties and fees because of your haste or desperation. Read the fine print before signing any agreement, and if you have any questions about the lender’s penalty and charging policies, contact the lender immediately.
If a lender cannot or will not define or explain associated penalties or fees, consider this a huge red flag and keep looking.
Lenders may be more willing to lend to you if you have a cosigner if you do not meet the criteria on your own.
Furthermore, cosigners can help you get a lower interest rate, allowing you to reduce your monthly payments or total debt.
Even if a borrower’s credit history isn’t as crucial to other lending markets or lenders, most will require identification, proof of residency, and promptitude to share job and banking information.
Each online payday loan has terms and conditions you should know to determine whether you are being treated properly.
Before proceeding with any loan transaction, customers with credit issues should seek counseling. Keep in mind that a loan with a low credit score almost always carries a higher interest rate.
Lenders can assess your repayment ability by comparing your debt to your income. The debt-to-income ratio (DTI) calculates your debt about your income.
Add your monthly loan payments and divide the total by your pre-tax monthly earnings to calculate your DTI ratio. After that, the result is multiplied by 100.
In general, a low debt-to-income ratio indicates less risk to the lender because it implies that you might be capable of paying more than the minimum payment on your current debt each month.
The Consumer Financial Protection Bureau encourages renters to keep their debt-to-income ratio (DTI) between 15 and 20 percent and homeowners to keep it between 36 and 36 percent.
Consider the monthly payments before submitting a loan application to ensure your loan is approved.
Taking out a loan with higher monthly payments may put your ability to repay in jeopardy while meeting your other financial obligations. If you fail to make your payments on time, your credit score will suffer.
If the loan amount is too large for you, consider negotiating with the lender or taking out a smaller loan instead. You can also make larger payments to reduce the length of the repayment period.
If you borrow money more than once, you endanger your credit score if you do not repay it on time. On the other hand, a credit card or loan can help you build credit if you pay on time.
Furthermore, your credit score influences many other aspects of your financial life. It can affect, among other things, your ability to obtain future loans, interest rates on those loans, and whether you can rent your dream apartment. Keeping track of your score and working to improve it is a good idea.
This is an important consideration when confirming your loan because it ensures that there are people on the ground to assist you with any questions you may have throughout the term of your loan. You will be stranded unless you contact customer service if you have a problem.
Before agreeing to any loan terms, you should address any concerns you have; if possible, write down your concerns and address them as soon as possible. If you do not receive a satisfactory or accurate response to your questions, you should contact the online lender.
No, and yes, respectively. No credit check loans are available to people with bad credit. Credit may be granted even if your credit score is at an all-time low.
Financial institutions prioritize your earnings because they affect your ability to repay the loan. You will receive a loan offer after completing the form unless there is an issue with the information you provided.
The most important requirements are basic identification and proof of your ability to repay the loan. Your name, address, Social Security Number, income, and contact information must all be provided.
In addition to the information provided above, you will be required to produce verification documents such as your identity documents, any government-issued ID, a residence visa if you are a non-US citizen living in the US, and proof of income.
One of the industry’s best features is its diversity, which includes a wide range of loan options for consumers. Loan options include healthcare, emergency, payday, cash advances, vacation, vehicle, and other options.
Each bad credit loan lender has different approval criteria, interest rates, loan amounts, and repayment terms. When you apply for a cash advance, for example, you’ll find that the amount is a fixed percentage of your income, with a 15-day return period in most cases.
Most of the time, the lender who makes the loan to you decides how much money you get. Typically, payday loan lenders will approve your loan request.
However, in some cases, the lending institution may refuse to authorize the requested amount of money, instead awarding you a smaller loan. Lenders make this decision based on your repayment capacity and credit history, which are determined by your income.
If you have bad credit, the majority of lenders will provide you credit between $600 and $5,000. On the other hand, some companies can provide larger loans of up to $40,000.
To answer your question quickly, yes. However, only choose genuine and well-known organizations, as reputable businesses are more cautious and considerate of your privacy. Read each company’s terms and privacy policies carefully before filling out any forms.
This could be advantageous, especially if you require financial assistance. When you submit a loan request to a loan facilitation service, your information is distributed to a group of financiers. Following that, each creditor will decide whether or not to give you a loan.
In exceptional circumstances, you may discover that you have two or more financiers interested in lending you money. When this occurs, select the option that best meets your needs and is the simplest to repair.
Many people are unaware that getting a short-term loan can help them improve their credit. When you get a secured loan, the information is shared with the credit reporting agencies. This information includes the money you’ve been given and the time you’ll have to repay it.
If you make your monthly payments on time and with diligence, this information will be recorded in your negative credit history. Your credit score will rise if you have always paid on time and have never missed a payment.
Low-credit loan scams abound, and falling victim to one is a miserable experience. Most scammers attempt to obtain borrowers’ financial information under the guise of providing bad credit loans.
Furthermore, some scams demand that you pay a fee in advance for your application to be approved. To avoid loan scams, double-check your lender’s information before submitting financial documents. Additionally, to avoid being scammed, only apply for same day loans on verified and trusted platforms.
Nobody gets a loan just for the sake of getting a loan. You’re most likely doing this because you’re desperate for money. As a result, it is prudent to determine your eligibility before performing a hard pull on your credit report.
Through the application process, you grant the lender access to your credit score and credit history. They ensure that the funds are appropriately distributed.
Your credit score will somewhat decline due to this procedure, which requires a hard draw on your credit record. If you have any credit issues, seek the advice of a professional credit counselor.
Pre-qualification is a gentle financial tug that does not affect your credit score. Although the loan is not guaranteed, you can find out who is willing to assist you. During this process, you must provide basic financial and personal information, such as your age and name.
Well, we have come to the very end of this article, and we hope it was helpful for you. So, a good life is frequently defined as free of problems and financial difficulties. To achieve the best financial goals, you may require assistance from financial institutions or banks.
Because that isn’t always possible due to poor credit, bad credit loan companies can be a great way to stay financially stable and live a happier, more comfortable life.
While no online lender can guarantee 100% loan approval to borrowers with poor credit, those who are approved typically face significantly higher interest rates and less appealing loan terms. Lenders will deposit loan proceeds into your bank account and may collect payments automatically from there.
Transparent, dependable, and client-focused, the best five companies mentioned above can connect you with the most dependable lenders and provide you with a completely free service. These businesses were chosen after extensive research and consideration of numerous important factors to provide complete user satisfaction.
We are confident that after providing the best providers for online payday loans, you will make the best decision in the future and regain your confidence as a result of your financial life.
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At Vi at La Jolla Village, residents don't have to choose between security and adventure, connection and independence. They get all of it.
Today’s seniors are more connected than ever, with a renewed focus on retirement as a time of discovery and enriching experiences. The ultimate reward for a retirement well-earned is the wisdom to appreciate it all, and what better place to enjoy that unique perspective than Vi at La Jolla Village, in the heart of San Diego.
All-access pass to good living.
As a Continuing Care Retirement Community (CCRC), Vi provides access to a connected and fulfilling community while making it easy to plan for future care, should the need ever arise. With a care plan in place, residents enjoy greater financial predictability and long-term value, freeing them to focus on making the most out of retirement.
Resort-style amenities at the epicenter of a cultural hub like San Diego offer a retirement experience unlike any other. Paired with exceptional dining, spacious accommodations and dedicated staff, the best of maintenance-free living is all around. And with the introduction of Vista 360 Well-Being, Vi’s panoramic approach to wellness, there are more ways than ever for residents to access it all.
The harmony of mind, body and community.
The key to longevity is striking the right balance in maintaining an active lifestyle with an active mind in a fulfilling community. With newly renovated community spaces and restaurants, Vista brings a variety of opportunities for residents to elevate their well-being through Vi-exclusive “Signature Experiences.”
Vista Enrich takes an evidence-based approach to brain vitality, keeping residents at the forefront of cognitive health through exergaming (exercising + gaming), nutritional plans and informative workshops. It is also home to The Brain Vitality Studio, an innovative facility dedicated to cognitive fitness that has garnered national recognition.
Vista Discover invites residents into stimulating educational experiences, from chef-led cooking demos and guided wine tastings to lectures at local universities and intimate lectures following cultural outings.
While Vista Enrich focuses on brain health and Vista Discover engages residents intellectually, Vista Explore cultivates a sense of adventure through curated travel and local excursions. But broadening one’s horizons doesn’t always require a plane ticket. One recent event brought a taste of the world right to the community: an onsite “jazz cruise” featuring live music and global cuisine served at a series of themed “ports” all within the community’s own ballroom.
“Location, location, location”
One of the biggest perks of life at Vi at La Jolla Village is its proximity to just about everything. With easy access to transportation and local attractions just steps away, residents can explore and engage with their community at their own pace.
“There are trolley and bus stops within a 5-minute walk that will get you to the beach, UCSD Campus, medical appointments, downtown La Jolla or San Diego, et cetera. We rarely use our car,” said resident Tom Yager.
With the best of San Diego just steps away, residents don’t just live in the city, they live within reach of everything that makes it special.
The best of all worlds.
At Vi at La Jolla Village, retirement isn’t a chapter to slow down; it’s an invitation to discover more. Tailored community experiences created by Vista, paired with the vibrant pulse of San Diego just outside the door, mean that residents don’t have to choose between security and adventure, connection and independence. They get all of it.
This is what an all-access pass to good living looks like: the comforts of an elevated lifestyle, a community built for growth and a city made for discovery – all in one place.
To learn more about Vi at La Jolla Village or for details on available floor plans, visit ViatLaJollaVillage.com/SDM.
Dr. Noran Barry brings a new robotic-assisted breast cancer surgery option to Southern California.
In May 2026, Dr. Noran Barry performed Southern California’s first robotic-assisted nipple-sparing mastectomy since the procedure received FDA approval. The milestone brought a new option for patients facing breast cancer surgery. It also reflects the specialized care available through Sharp Rees-Stealy Medical Group, where Dr. Barry works alongside other doctors and specialists as part of a coordinated care team.
Dr. Barry is a fellowship-trained breast cancer surgeon with Sharp Rees-Stealy and Sharp HealthCare’s medical director of breast health. She is affiliated with Sharp Mary Birch Hospital for Women & Newborns and Sharp Memorial Hospital. Sharp Mary Birch was the first hospital in Southern California and one of just 15 in the United States to offer the procedure.
For a patient considering a mastectomy, treating cancer is the first concern. Questions about appearance, sensation and recovery matter, too. Robotic-assisted nipple-sparing mastectomy gives Dr. Barry another way to address those concerns while working with patients and their care teams on the treatment ahead.
What makes the procedure different
A nipple-sparing mastectomy removes breast tissue while preserving the nipple and surrounding tissue for reconstruction. Dr. Barry uses a single-port robotic system, guiding surgical instruments and a high-definition camera through one small incision. She can often place that incision in a less visible area, such as near the underarm.
That placement can leave a smaller, more hidden scar than a traditional mastectomy. Preserving tissue for reconstruction may also help create a more natural-looking breast. In some cases, the surgery may preserve nerves in the remaining tissue and help maintain breast sensation.
Compared with traditional methods, the robotic-assisted approach may offer less blood loss during surgery, less pain during recovery and a faster recovery. Early results also suggest a lower likelihood of nipple necrosis, a complication in which loss of blood flow damages the nipple and areola.
For Dr. Barry, the ability to place the incision strategically is especially meaningful. It allows her to treat the cancer while considering the scar a patient will see after surgery. Along with reconstruction, that detail can make a difference to someone adjusting to changes in their body.
Care that continues beyond surgery
Breast cancer care extends beyond one surgical technique. At Sharp Rees-Stealy, doctors and specialists work together to support patients through decisions about their care. The medical group’s breast cancer navigation program also supports patients as they move through diagnosis, treatment and the steps that follow.
That team approach is evident in Dr. Barry’s work. After she performs the breast surgery, plastic surgeons complete the reconstruction. Together, their work addresses the cancer treatment and the patient’s appearance after surgery. Dr. Barry understands how difficult breast cancer diagnosis and treatment can be, and how meaningful it is to offer an option that may help patients feel more like themselves.
For patients, the care surrounding the operation matters alongside the technology. They may want to understand how the surgery works, what reconstruction involves and what to expect during recovery. They can bring those questions to a team that works together, with navigation support through the course of their care.
Dr. Barry’s milestone expands the surgical options available to her patients. Her work within Sharp Rees-Stealy’s coordinated care brings the story back to what patients need: skilled specialists, clear conversations about their choices and support that extends beyond one procedure.
Sharp Community Medical Group connects patients with high-quality, coordinated health care close to home while supporting the communities its physicians serve.
When it comes to health care, convenience matters. Whether you need a routine checkup, a specialist appointment, diagnostic imaging, or hospital care, receiving services close to home can make a meaningful difference for you and your family. That is the philosophy behind Sharp Community Medical Group (SCMG), one of Southern California’s largest physician networks, built around a simple idea: exceptional health care should be available in the communities where people live, work, and raise their families.
SCMG’s local care delivery model begins with choosing a primary care physician in your neighborhood. When specialty care is needed, your doctor can refer you to local specialists who are part of the SCMG network. Those specialists can admit patients to nearby Sharp HealthCare or Palomar UC San Diego Health hospitals, helping ensure care remains coordinated and close to home.
The benefits extend far beyond physician visits. SCMG patients have access to community-based laboratories, MRI and radiology centers, urgent care locations, pharmacies, and other ancillary services throughout the region. Instead of traveling across the county for care, patients can often receive the services they need in the communities they know and trust. As a result, care becomes more convenient, more connected, and easier to navigate.
For many SCMG physicians, the word “Community” in the organization’s name is more than branding. It reflects a commitment to giving back to the people and neighborhoods they serve.
That commitment is evident in the work of Dr. Joseph Novencido, an SCMG-affiliated physician and President of the Filipino Medical Association of San Diego, who organized the inaugural 2025 Carabao 5K. The event was created to encourage healthy lifestyles and physical activity among Filipino Americans, a population that experiences cardiovascular disease at significantly higher rates than the general U.S. population.
“Community is extremely important to me,” said Dr. Novencido. “I grew up in a very diverse community, and working in this area, in the community I grew up in is so fulfilling. It is so nice to be in a position where I can make a difference in the lives of the people here.”
SCMG physician Dr. Leticia Polanco shares a similar passion for serving her community in Chula Vista.
“The reason I decided to go into medicine is because I felt there was an overwhelming need for people like me to take care of the community that I live in,” she said. “In our practice, we work as a team, we collaborate with our staff, and we really want to give that warm feeling to people who come here for care.”
Stories like these highlight what distinguishes SCMG: a network of physicians who are deeply invested in the health and well-being of the communities they serve, while providing patients with access to a coordinated local system of care. From preventive care and specialty services to imaging, urgent care, and hospital treatment, SCMG helps patients receive the right care, in the right place, close to home.
About Sharp Community Medical Group
Sharp Community Medical Group (SCMG) is one of Southern California’s largest physician networks, with more than 1,200 affiliated primary care and specialty physicians practicing throughout San Diego County. SCMG physicians can admit patients to local Sharp HealthCare and Palomar UC San Diego Health hospitals, providing convenient access to coordinated care throughout the community. For more information, visit scmg.org.
Create a new tradition riding through Santa Paula on a railbike.
It’s fall again. You’ve done the cider tasting. You’ve done the three-legged race at the rec center down the street. You’ve done the craft fairs and candle-making class but have you pedaled down a railroad track built in the 1880s in a two-person, auto-assisted Railbike with the wind blowing through your hair as you take in the sights—citrus groves dotted with bright yellow lemons, sun-drenched mountains—and stopped at a pumpkin patch (with a petting zoo!) along the way?
Enter Sunburst Railbikes in Santa Paula, the bucket-list experience your bucket didn’t even know it was missing. Until now. “It’s the perfect escape from the city, from the hustle and bustle,” said Nicholas Martinez, who, as a manager and frequent guide for the Railbikes, has taken more than 500 rides and wants to do at least 500 more. “It’s exhilarating.”
It goes like this: You meet at the quaint historic Santa Paula Depot and hop on a bike, one specially created to perch snugly on the tracks. Because of the electric assist, you get to be as lazy or overachieving as you’d like. Kids three years old and up can do it, too. The whole journey is 10 miles and takes two hours, during which you take in fresh air and listen peacefully to the hypnotic clickety-clack while snaking in and out of lush groves. In April and August, you’ll see the avocado harvest. During fall, it’s all about the lemons. “It’s just a thrill to be gliding along,” says Martinez, explaining the uniqueness of the experience. “It’s like nothing else.”
The activity is a fit for all ages, with children under three riding in a front-facing chest carrier. Adults love the feeling of freedom. Kids love railroad crossings. They often wave at the stopped car traffic as they cruise by. “It’s such a hoot!” says Martinez.
Toward the end of the journey, there’s a stop at Prancer’s Farm, a local business which is pretty much the holy grail of October activities. You can buy local produce like avocados, strawberries and honey, but also zipline, pet animals, pick a pumpkin or fresh produce, and go on hayrides or horse rides, get lost in a corn maze, pose in a marigold field or a sunflower field, ride a barrel train or…or…or maybe all of the above.
You’ll also experience a bit of history along the way. The tracks, laid down in 1887, used to shuttle passengers between Los Angeles and San Francisco. You can envision it as you go—travelers embarking on big trips before air travel. Later, in the 1940s and ’50s, freight trains used the tracks to haul fresh citrus.
It’s still a working railroad today, but it’s also a bit of a celebrity. The very tracks used by the Railbikes have been in more than 500 television and movie productions, everything from a Dr. Pepper commercial to the feature film Seabiscuit. So yeah, riding those tracks is Hollywood adjacent, kind of like meeting a well-known prop like the sofa from Central Perk.
While driving up from San Diego and back in one day is possible, you can easily turn the occasion into a fun weekend getaway. The cute-as-heck town of Ojai is a short car ride away. Think idyllic meanderings through nature, picturesque historic downtown and top-notch food choices. Ventura, equally close, is a chock-full of craft breweries and beach walks. Book a night somewhere and indulge.
Fall has plenty of traditions. So yes, you could spend another autumn afternoon at another craft fair. You could make some soup or play pin the stem on the pumpkin, but you also might want to climb aboard a Sunburst Railbike, pedal down a 139-year-old railroad track, wave at confused motorists and make an entirely unique core memory for you and your people.
Come experience the Sunburst Railbikes for yourself during their year-round trips through the citrus groves – sunset, extended, and other themed rides available seasonally.
Shockwave therapy offers solutions for patients with musculoskeletal conditions
Though shock waves may sound like something more likely to cause pain than relieve it, physicians have been using the technology to treat musculoskeletal conditions for decades. Shockwave therapy is a non-invasive treatment used in sports medicine for a variety of tendon, muscle and ligament injuries. By delivering acoustic energy via targeted sound waves, it activates the body’s natural healing processes. Scripps officially launched its shockwave therapy program earlier this year, making it one of the first major healthcare organizations in the region to offer the innovative service. Click here to read more about shockwave therapy and the doctor who advocated to bring the treatment to Scripps.
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New guidelines encourage physicians to be proactive about intervention for high cholesterol
It’s estimated that one in four adults in the U.S. have high cholesterol. It’s a condition that’s preventable and treatable; however, it often has no symptoms, so many people are unaware they have it. That puts them at higher risk for heart attack or stroke. A recent update to national guidelines for preventive cholesterol screenings, the first since 2018, aims to change that by screening and intervening earlier, and calculating long-term risk differently. Click here to find out more.
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