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Direct Loan For $36000 Near 95113, California With A Credit Score Of 782

$36000 Direct Loan – San Jose California, Credit Rating Of 782

  • Experian: 801 – The client had an excellent Experian score
  • Transunion: 763 – Cassy had an excellent credit score with Transunion.
  • Equifax: Cassy’s Experian score was 782, which is an excellent credit rating with the Experian scale.

Multiple previous requests for credit have been made by Cassy in the past, including one from NationsBank Trust Company (Florida), National Association in San Jose, California before Cassy was approved for the $36000 by Heritage Bank of Commerce

Cassy made 8 previous tries to obtain a direct loan, 2 of which were with NationsBank Trust Company (Florida), National Association, a lending institution in San Jose, California known to specialize in direct loans specifically. Before finding Heritage Bank of Commerce, Cassy was concerned due to their inexperience and excellent credit score.

Fast Loans for Cassy in San Jose, California to prevent bankruptcy or harm from debt collectors.

Fast loans in San Jose, California aren’t actually that difficult to obtain, especially if you have some finesse like Cassy. Cassy was able to find a fast loan for $36000 from U.S. Bank of California and First Interstate Bank of California, but declined both offers in favor of their direct loan from Heritage Bank of Commerce. The difference with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 5 weeks for debt consolidation loans. A big difference if a borrower is on the go.

Cassy was declined by First Northern Bank of Dixon 6 times prior to being granted funding by Heritage Bank of Commerce at 150 Almaden Boulevard

On September 19, 2009, Cassy inquired about borrowing $25,000 from Beverly Hills National Bank with Jeanne, their in law from just outside San Jose, and even with the co-signer, Cassy was rejected for this direct loan. With excellent credit, it can be difficult to obtain funding, even with collateral and a co-signer.

When Cassy was 20, they attempted to obtain a student loan from 4 alternate lenders, which harmed their credit score. Below is a chronology of Cassy’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $32,000.00 on March 3, 2013
  • Attempt 2) Loan for $24,000.00 on May 24, 2010
  • Attempt 3) Loan for $33,000.00 on October 11, 2010
  • Attempt 4) Loan for $31,000.00 on June 12, 2010

Personal Loan for a marine engineer named Cassy in San Jose, California to Pay Off First Niagara Pinnacle WORLD MasterCard

Cassy had a lot of credit card debt on their BJ’s Wholesale Club Visa and their WEX Fleet Card, and they were starting to get in over their heads. Despite Cassy’s job as a marine engineer, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Installment loan for Cassy, a graduate of New England Institute of Technology and a marine engineer working for over $73,000 per year

Cassy, an alumnus at New England Institute of Technology and a marine engineer in San Jose, California wants a direct loan to purchase a new cell phone. Cassy has instead chosen to get an installment loan for $13,000 and is at present seeking lenders like Bank of Stockton to process their request.

Contact Details for Heritage Bank of Commerce, the provider of this direct loan

  • Heritage Bank of Commerce
  • City: San Jose
  • State: California
  • Address: 150 Almaden Boulevard
  • County: Santa Clara
  • Zip code: 95113

Cassy’s Transunion score was altered by the direct loan loan, changing to 763 from 782, which is typical in our experience.

Transunion Score: 763

Paraphrased and Standardized Quote from Cassy for this direct loan of $36000, provided by Heritage Bank of Commerce

Hello, I am Cassy and I’m from San Jose in California. Santa Clara, county is where I grew up, and now I need a direct loan in California for $36000 to renovate my home. It wasn’t easy, but Heritage Bank of Commerce really came through for me with this loan for 6.4% interest APR and a term of 20 years. I can repay the loan over the 20 year term, including interest. A big thanks to Heritage Bank of Commerce for giving me a chance and my excellent credit. It look me 9 years to create my credit to 782, and I won’t harm it any future. I’m happy with Find Texas Loans for helping me this far.

Before applying for this direct loan, Cassy had an Experian score of 801, which is excellent, so Heritage Bank of Commerce probably can provide Cassy a direct loan

Experian Score: 801

Previous requests on Cassy’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$45340.00 7 10.7% $769.2 Santa Monica Bank May 4, 2010
$45270.00 6 7.4% $780.53 Farmers and Merchants Bank of Long Beach March 23, 2012
$45300.00 6 6.3% $757.18 First Interstate Bank of California April 1, 2013
$45480.00 3 9.6% $1458.99 Union Bank January 31, 2014
Client Profile: Cassy Erps of San Jose, California
  • Full name (Changed if requested): Cassy Erps
  • Current Credit: loans.hit.utils.Fico@7eda2dbb
  • Current City: San Jose
  • State: California
  • Zip code: 95120
  • Yearly income: $45,000
  • Current Job: marine engineer
  • Current County: Santa Clara
  • Goal Yearly Income: $140,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $3000

Cassy has a low current total income, but has several of prospects

Cassy has always wanted to be a bicycle mechanic, but would have to attend New England Institute of Technology again to become one. Cassy has other possibilities as well, including ophthalmic laboratory technician, materials engineer, and sociology professor, which pay $59,000 through to $91,000 per year, at least. For this reason, we think that Cassy can afford this direct loan of $36000.

8 Months in the Past, Cassy Attempted Finding a High Risk Loan for $26,000.00, and it was Hard

There is an ongoing struggle for borrowers to get high risk loans in a non-harmful manner. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Cassy. Cassy decided not to get a high risk loan this time. High Risk loans are generally given by lenders to bad credit borrowers. Borrowers with credit scores as low as 330 can inquire for a high risk loan and may be be accepted.

Debt Consolidation Can Assist Any Deeply Indebted Borrower to Escape Bad Debts like Loan Sharks

Normal debt consolidation loans range from $36,000.00 to $51,000.00. They are typically used to pay off existing high interest loans like credit cards. Cassy required a debt consolidation loan to pay for their existing direct loan and their credit card. Cassy was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a technique in the debt snowball method which converts your less desirable, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 3.6%.

Cassy’s Overall FICO score at the time of acceptance for a direct loan, taking into account their marine engineer job and their future job as a bicycle mechanic

Fico Score: 782

Signature Loan acquired in San Jose, California for $36000 with excellent credit by Cassy

Many borrowers struggle with obtaining signature loans in San Jose, California, and Cassy is not an exception. Cassy went to 7 lenders or more before settling on Heritage Bank of Commerce, who offered Cassy a signature loan for $36000. Most signature loans simply need a client, like Cassy’s signature to get them, up to $48,000 in some cases. Cassy was able to get $36000 as a direct loan, which is very high for a direct loan. Since signature loans don’t need a cosigner, these loans tend to require improved credit, as high as 784

Conclusion of Cassy’s direct loan

In the end, Cassy was able to find a direct loan for $36000 with an interest rate of 6.3% interest APR from Heritage Bank of Commerce in San Jose, California repayable over 20 years from now.

Will Alexander

Will Alexander has over 10 years of experience as a financial expert and writer. The goal of his work is to assist the people of Texas in finding loans for lower interest rates than they thought were possible. Will specializes in bad credit loans.

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Names of borrowers and lenders have been modified, substituted, or fictionalized for search and privacy purposes. Information presented here is for entertainment purposes only and should not be interpreted as the truth.