$132000 Quick Loan – Oxnard California, Credit Score Of 684
- Experian: 699 – This client had a good Experian score
- Transunion: 670 – Shanna had a good credit rating with Transunion.
- Equifax: Shanna’s Experian score was 684, which is a good credit rating on the Experian scale.
9 Months in the Past, Shanna Attempted to Find a High Risk Loan for $45,000.00, and it was Easy
There is an well known struggle for borrowers to find high risk loans in a safe way. Many high risk loans end up coming from loan sharks or the like, which can be frightening to borrowers like Shanna. Shanna chose not to obtain a high risk loan this time. High Risk loans are given to very low credit applicants. Borrowers with credit ratings as low as 409 can inquire for a high risk loan and may be be approved.
Signature Loan easily acquired in Oxnard, California for $132000 with good credit by Shanna
A lot of prospective borrowers have difficulty with obtaining signature loans in Oxnard, California, and Shanna is not an exception. Shanna went to 5 lending institutions or more prior to finding Channel Islands Bank, who offered Shanna a signature loan for $132000. Most signature loans simply require a client, like Shanna’s signature to obtain them, up to $46,000 in some cases. Shanna was able to get $132000 as a quick loan, which is very high for a quick loan. Because signature loans do not require a cosigner, they tend to need improved credit, as high as 798
When Shanna was 22, they tried to obtain a student loan from 7 different lenders, which harmed their credit score. Below is a list of Shanna’s previous attempts at finding a student loan:
- Attempt 1) Loan for $29,000.00 on December 4, 2010
- Attempt 2) Loan for $35,000.00 on April 30, 2014
- Attempt 3) Loan for $34,000.00 on January 21, 2009
- Attempt 4) Loan for $23,000.00 on April 19, 2014
- Attempt 5) Loan for $22,000.00 on December 22, 2011
- Attempt 6) Loan for $34,000.00 on June 23, 2012
- Attempt 7) Loan for $23,000.00 on April 28, 2011
- Full name (Changed if requested): Shanna Vizcarra
- Current Credit: loans.hit.utils.Fico@53e25b76
- Current City: Oxnard
- State: California
- Zip code: 93033
- Yearly income: $51,000
- Current Job: municipal fire fighting supervisor
- Current County: Ventura
- Goal Yearly Income: $130,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000
Multiple previous requests for credit have been made by Shanna in the past, including one from The First National Bank of Laurens in Oxnard, California before Shanna was accepted for the $132000 by Channel Islands Bank
Shanna made 7 previous tries to obtain a quick loan, 2 of which were with The First National Bank of Laurens, a lending institution in Oxnard, California known to specialize in quick loans specifically. Before finding Channel Islands Bank, Shanna was desperate due to their inexperience and good credit score.
Personal Loan for a municipal fire fighting supervisor named Shanna in Oxnard, California to Pay Off AeroMexico Secured Visa Card
Shanna had a tonne of credit card debt on their RBC Cash Back MasterCard and their PacSun Credit Card, and they were starting to get in over their heads. Despite Shanna’s job as a municipal fire fighting supervisor, they struggled to make payments on the $21,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Previous requests on Shanna’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$59550.00||11||5.2%||$593.35||Santa Monica Bank||December 24, 2008|
|$60140.00||6||5.7%||$988.2||Farmers and Merchants Bank of Long Beach||February 15, 2011|
|$60170.00||7||5.4%||$861.79||First Interstate Bank of California||May 14, 2012|
|$60240.00||4||6.4%||$1425.81||Union Bank||September 29, 2013|
|$60470.00||7||8.4%||$954.59||Citizens Commercial Trust and Savings Bank of Pasadena||July 16, 2014|
Installment loan for Shanna, a graduate of DeVry University and a municipal fire fighting supervisor working for over $70,000 per year
Shanna, an alumnus at DeVry University and a municipal fire fighting supervisor in Oxnard, California wants a quick loan to purchase a car. Shanna has instead chosen to obtain an installment loan for $27,000 and is currently seeking lenders like The First National Bank of Orange County to process their request.
Shanna was declined by Citizens Bank of Roseville 4 times prior to being granted funding by Channel Islands Bank at 155 South A Street
On November 13, 2010, Shanna applied about borrowing $47,000 from Union Bank with Lesia, their in law from just outside Oxnard, and even with the co-signer, Shanna was rejected for this quick loan. With good credit, it can be challenging to obtain financing, even with collateral and a co-signer.
Before applying for this quick loan, Shanna had an Experian score of 699, which is good, so Channel Islands Bank most likely cannot provide Shanna a quick loan
Contact Details for Channel Islands Bank, the provider of this quick loan
- Channel Islands Bank
- City: Oxnard
- State: California
- Address: 155 South A Street
- County: Ventura
- Zip code: 93030
Shanna has a disappointing current yearly income, but has a large amount of prospects
Shanna has always wanted to be an orthodontic assistant, but would have to attend DeVry University again to achieve it. Shanna has other prospects as well, including geography professor, human resources management advisor, and electric motor mechanic, which pay $55,000 through to $104,000 per year, on average. Because of this, we believe that Shanna can afford this quick loan of $132000.
Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans vary from $38,000.00 to $57,000.00. They are mainly used to pay off existing high interest loans like credit cards. Shanna required a debt consolidation loan to pay for their existing quick loan and their payday loan. Shanna was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your bad, high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates as low as 2.0%.
Paraphrased and Standardized Quote from Shanna for this quick loan of $132000, provided by Channel Islands Bank
Hi, I am Shanna and I am from Oxnard in California. Ventura, county is where I grew up, and now I need a quick loan in California for $132000 to buy a car. It wasn’t easy, but Channel Islands Bank really came through for me with this loan for 5.7% interest APR and a term of 17 years. I can repay the loan over the 17 year term, including interest. A big thanks to Channel Islands Bank for giving me a chance and my good credit. It look me 6 years to create my credit to 684, and I won’t tarnish it any future. I’m pleased with Find Texas Loans for assisting me this far.
Shanna’s Transunion score was changed by the quick loan loan, changing to 670 from 684, which is normal in our experience.
Shanna’s Overall FICO score at the time of acceptance for a quick loan, taking into account their municipal fire fighting supervisor job and their future career as an orthodontic assistant
Fast Loans for Shanna in Oxnard, California to prevent bankruptcy or harm from debt collectors.
Fast loans in Oxnard, California aren’t actually that difficult to obtain, particularly if you have some finesse like Shanna. Shanna was able to find a fast loan for $132000 from Santa Ynez Valley Bank and Bank of Alex Brown, but declined both offers in favor of their quick loan from Channel Islands Bank. The difference with a fast loan over a personal loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 7 weeks for installment loans. A big improvement if a client is in a pinch.
Conclusion of Shanna’s quick loan
In the end, Shanna was able to find a quick loan for $132000 with an interest rate of 10.1% interest APR from Channel Islands Bank in Oxnard, California repayable over 17 years from today.