$68000 Consolidation Loan – Sherman Oaks California, Credit Rating Of 479
- Experian: 492 – This individual had a bad Experian rating
- Transunion: 461 – Cecille had a bad credit score with Transunion.
- Equifax: Cecille’s Experian score was 479, which is a bad credit score on the Experian system.
Personal Loan for a tax lawyer named Cecille in Sherman Oaks, California to Pay Off First National Bank Business Edition Secured Visa Card
Cecille had a tonne of credit card debt on their Community Alliance Credit Union Visa Platinum and their Animal Rescue Inc Visa Card, and they were starting to get in over their heads. Despite Cecille’s job as a tax lawyer, they struggled to make payments on the $27,000.00 credit card balance, desperately needing assistance in the form of a personal loan.
Before applying for this consolidation loan, Cecille had an Experian score of 492, which is bad, so American Pacific State Bank most likely cannot provide Cecille a consolidation loan
Fast Loans for Cecille in Sherman Oaks, California to prevent bankruptcy or bodily harm from debt collectors.
Fast loans in Sherman Oaks, California aren’t actually that difficult to obtain, particularly if you have some gumption like Cecille. Cecille was able to find a fast loan for $68000 from The First National Bank of Holtville and First Interstate Bank of California, but turned down both offers in favor of their consolidation loan from American Pacific State Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 6 weeks for debt consolidation loans. An improvement if a borrower is on the go.
Signature Loan found in Sherman Oaks, California for $68000 with bad credit by Cecille
Most clients struggle with obtaining signature loans in Sherman Oaks, California, and Cecille is no exception. Cecille went to 8 lending institutions or more before finding American Pacific State Bank, who offered Cecille a signature loan for $68000. Most signature loans simply need a client, like Cecille’s signature to get them, up to $23,000 in some cases. Cecille was able to get $68000 as a consolidation loan, which is very high for a consolidation loan. Since signature loans do not need collateral, they tend to require better credit, as high as 718
Previous requests on Cecille’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$25780.00||3||5.5%||$778.45||Santa Monica Bank||September 30, 2011|
|$25770.00||10||9.1%||$327.84||Farmers and Merchants Bank of Long Beach||October 27, 2011|
|$26440.00||8||7.1%||$361.79||First Interstate Bank of California||November 28, 2011|
|$26340.00||4||10.2%||$670.58||Union Bank||January 30, 2014|
Several previous requests for credit have been made by Cecille in the past, including one from First National Bank in Sherman Oaks, California before Cecille was approved for the $68000 by American Pacific State Bank
Cecille made 5 previous attempts to obtain a consolidation loan, 2 of which were with First National Bank, a lender in Sherman Oaks, California known to specialize in consolidation loans specifically. Prior to finding American Pacific State Bank, Cecille was desperate due to their inexperience and bad credit rating.
6 Months in the Past, Cecille Attempted to Find a High Risk Loan for $48,000.00, but They Didn’t Find What They were Expecting
It is an ongoing struggle for borrowers to get high risk loans in a safe way. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be scary to borrowers like Cecille. Cecille decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Clients with credit scores as low as 357 can inquire for a high risk loan and may be be approved.
Contact Details for American Pacific State Bank, the provider of this consolidation loan
- American Pacific State Bank
- City: Sherman Oaks
- State: California
- Address: 15260 Ventura Boulevard, Suite 1600
- County: Los Angeles
- Zip code: 91403
Paraphrased and Standardized Quote from Cecille for this consolidation loan of $68000, provided by American Pacific State Bank
Hello, I am Cecille and I am from Sherman Oaks in California. Los Angeles, county is where I grew up, and now I need a consolidation loan in California for $68000 to pay bills. It wasn’t easy, but American Pacific State Bank really came through for me with this loan for 5.8% interest APR and a term of 12 years. I will repay the loan over the 12 year term, including interest. A big thanks to American Pacific State Bank for giving me a chance and my bad credit. It look me 9 years to create my credit to 479, and I won’t harm it any future. I am pleased with Find Texas Loans for assisting me this far.
Cecille has a very low current gross income, but has several of prospects
Cecille has always wanted to be a railroad engineer, but would have to attend New Concept Massage and Beauty School again to achieve it. Cecille has other possibilities as well, including clinical psychologist, nurse’s aide, and referee / umpire, which pay $59,000 through to $108,000 per year, on average. Because of this, we think that Cecille can pay for this consolidation loan of $68000.
- Full name (Changed if requested): Cecille Durnell
- Current Credit: loans.hit.utils.Fico@27973e9b
- Current City: Sherman Oaks
- State: California
- Zip code: 91412
- Yearly income: $68,000
- Current Job: tax lawyer
- Current County: Los Angeles
- Goal Yearly Income: $105,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000
Cecille’s Transunion score was altered by the consolidation loan loan, changing to 461 from 479, which is normal in our experience.
Cecille was rejected by The First National Bank of Orange County 6 times before being granted funding by American Pacific State Bank at 15260 Ventura Boulevard, Suite 1600
On May 14, 2010, Cecille inquired about borrowing $40,000 from Santa Ynez Valley Bank with Sophia, their in law from just outside Sherman Oaks, and even with the co-signer, Cecille was rejected for this consolidation loan. With bad credit, it can be a challenge to obtain funding, even with collateral and a co-signer.
Cecille’s Overall FICO score at the time of acceptance for a consolidation loan, taking into account their tax lawyer job and their future career as a railroad engineer
When Cecille was 20, they tried to obtain a student loan from 7 different banks, which damaged their credit rating. Below is a list of Cecille’s prior attempts at finding a student loan:
- Attempt 1) Loan for $31,000.00 on May 11, 2013
- Attempt 2) Loan for $35,000.00 on August 23, 2013
- Attempt 3) Loan for $31,000.00 on September 15, 2009
- Attempt 4) Loan for $25,000.00 on July 29, 2009
- Attempt 5) Loan for $27,000.00 on December 2, 2011
- Attempt 6) Loan for $29,000.00 on May 9, 2010
- Attempt 7) Loan for $33,000.00 on March 17, 2012
Debt Consolidation Will Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt
Normal debt consolidation loans vary from $37,000.00 to $56,000.00. They are mainly used to pay off existing high interest loans like credit cards. Cecille needed a debt consolidation loan to pay for their existing consolidation loan and their payday loan. Cecille was able to find a consolidation loan in the end. Debt consolidation, or simply consolidation, is a tactic in the strategic borrowing method which changes your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans generally have interest rates as low as 4.3%.
Installment loan for Cecille, a graduate of New Concept Massage and Beauty School and a tax lawyer working for over $69,000 per year
Cecille, an alumnus at New Concept Massage and Beauty School and a tax lawyer in Sherman Oaks, California needs a consolidation loan to purchase a car. Cecille has instead decided to obtain an installment loan for $28,000 and is currently seeking lenders like Community First National Bank to provide it.
Conclusion of Cecille’s consolidation loan
In the end, Cecille was able to find a consolidation loan for $68000 with an interest rate of 10.6% interest APR from American Pacific State Bank in Sherman Oaks, California repayable over 12 years from today.