$44000 Quick Loan – Santa Rosa California, Credit Rating Of 518
- Experian: 531 – The client had a fair Experian rating
- Transunion: 506 – Dionna had a fair credit score with Transunion.
- Equifax: Dionna’s Experian score was 518, which is a fair credit score with the Experian scale.
Signature Loan acquired in Santa Rosa, California for $44000 with fair credit by Dionna
A lot of clients struggle with obtaining signature loans in Santa Rosa, California, and Dionna is not an exception. Dionna went to 7 lenders or more before settling on Luther Burbank Savings, who offered Dionna a signature loan for $44000. Typical signature loans simply need a client, like Dionna’s signature to obtain them, up to $22,000 in some cases. Dionna was able to get $44000 as a quick loan, which is very high for a quick loan. Since signature loans do not require a cosigner, these loans generally require higher credit, as high as 735
Before applying for this quick loan, Dionna had an Experian score of 531, which is fair, so Luther Burbank Savings likely cannot provide Dionna a quick loan
Debt Consolidation Will Help Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt
Most debt consolidation loans range from $31,000.00 to $52,000.00. They are mainly used to pay off existing high interest loans like credit cards. Dionna needed a debt consolidation loan to pay for their existing quick loan and their payday loan. Dionna was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which transfers your bad, catastrophically high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 4.1%.
When Dionna was 19, they tried to obtain a student loan from 4 different banks, which damaged their credit rating. Below is a chronology of Dionna’s prior attempts at finding a student loan:
- Attempt 1) Loan for $30,000.00 on November 17, 2008
- Attempt 2) Loan for $21,000.00 on December 16, 2013
- Attempt 3) Loan for $31,000.00 on January 3, 2011
- Attempt 4) Loan for $36,000.00 on November 5, 2011
Contact Details for Luther Burbank Savings, the provider of this quick loan
- Luther Burbank Savings
- City: Santa Rosa
- State: California
- Address: 804 4th Street
- County: Sonoma
- Zip code: 95404
Dionna was not approved by Westamerica Bank 4 times before being approved by Luther Burbank Savings at 804 4th Street
On February 6, 2010, Dionna inquired about borrowing $18,000 from Bank of Sonoma County with Johnny, their friend from just outside Santa Rosa, and even with the co-signer, Dionna was rejected for this quick loan. With fair credit, it can be a challenge to procure financing, even with collateral and a co-signer.
Many other requests for credit have been made by Dionna in the past, including one from First Oklahoma Bank and Trust Company of Edmond in Santa Rosa, California before Dionna was accepted for the $44000 by Luther Burbank Savings
Dionna made 6 previous attempts to obtain a quick loan, 2 of which were with First Oklahoma Bank and Trust Company of Edmond, a lending institution in Santa Rosa, California known to specialize in quick loans specifically. Prior to finding Luther Burbank Savings, Dionna was desperate due to their inexperience and fair credit rating.
Paraphrased and Standardized Quote from Dionna for this quick loan of $44000, provided by Luther Burbank Savings
Hi, I am Dionna and I’m from Santa Rosa in California. Sonoma, county is where I grew up, and now I need a quick loan in California for $44000 to avoid bankruptcy. It wasn’t easy, but Luther Burbank Savings really came through for me with this loan for 7.0% interest APR and a term of 17 years. I can repay the loan over the 17 year term, including interest. A big thanks to Luther Burbank Savings for trusting me and my fair credit. It look me 9 years to create my credit to 518, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.
- Full name (Changed if requested): Dionna Perler
- Current Credit: loans.hit.utils.Fico@377dca04
- Current City: Santa Rosa
- State: California
- Zip code: 95405
- Yearly income: $54,000
- Current Job: personnel administrator
- Current County: Sonoma
- Goal Yearly Income: $107,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $8000
Previous requests on Dionna’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$136480.00||11||6.1%||$1421.86||Santa Monica Bank||January 20, 2010|
|$135530.00||4||5.8%||$3170.51||Farmers and Merchants Bank of Long Beach||April 26, 2012|
|$136220.00||10||5.2%||$1458.18||First Interstate Bank of California||January 24, 2013|
|$136240.00||9||5.7%||$1615.53||Union Bank||December 16, 2013|
Dionna’s Overall FICO score at the time of acceptance for a quick loan, taking into account their personnel administrator job and their future job as a hotel convention/events coordinator
Personal Loan for a personnel administrator named Dionna in Santa Rosa, California to Pay Off Agriculture Federal Credit Union Visa Platinum
Dionna had a tonne of credit card debt on their Amalgamated Bank of Chicago Standard Secured MasterCard and their SECU Credit Union Visa Cards, and they were starting to get in over their heads. Despite Dionna’s job as a personnel administrator, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Installment loan for Dionna, a graduate of Florida Agricultural and Mechanical University and a personnel administrator working for over $78,000 per year
Dionna, an alumnus at Florida Agricultural and Mechanical University and a personnel administrator in Santa Rosa, California needs a quick loan to purchase a car. Dionna has instead chosen to get an installment loan for $24,000 and is currently seeking lenders like Farmers and Merchants Bank of Long Beach to provide it.
Dionna has a disappointing current yearly income, but has several of prospects
Dionna has always wanted to be a hotel convention/events coordinator, but would need attend Florida Agricultural and Mechanical University again to achieve it. Dionna has other prospects as well, including home health aide, police officer, and photogrammetric engineer, which pay $57,000 through to $95,000 per year, at least. For this reason, we think that Dionna can afford this quick loan of $44000.
Fast Loans for Dionna in Santa Rosa, California to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Santa Rosa, California aren’t actually that difficult to obtain, particularly if you have some gumption like Dionna. Dionna was able to find a fast loan for $44000 from Mechanics Bank and Capital Bank, but declined both offers in favor of their quick loan from Luther Burbank Savings. The improvement with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big improvement in the case that you are in a time sensitive situation.
9 Months in the Past, Dionna Attempted Finding a High Risk Loan for $31,000.00, but They Didn’t Find What They were Expecting
It is an ongoing struggle for borrowers to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or the like, which can be scary to borrowers like Dionna. Dionna chose not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit clients. Borrowers with credit scores as low as 501 can apply for a high risk loan and have a chance to be approved.
Dionna’s Transunion score was altered by the quick loan loan, changing to 506 from 518, which is typical in our experience.
Conclusion of Dionna’s quick loan
In the end, Dionna was able to find a quick loan for $44000 with an interest rate of 11.7% interest APR from Luther Burbank Savings in Santa Rosa, California repayable over 17 years from today.