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Direct Loan With Reasonable APR In Riverside County, California

$78000 Direct Loan – Palm Springs California, Credit Score Of 836

  • Experian: 852 – They had an excellent Experian score
  • Transunion: 822 – Joel had an excellent credit rating with Transunion.
  • Equifax: Joel’s Experian score was 836, which is an excellent credit score using the Experian system.

Previous requests on Joel’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$128160.00 11 7.5% $1428.73 Santa Monica Bank April 25, 2012
$128440.00 3 6.5% $3936.56 Farmers and Merchants Bank of Long Beach November 13, 2013
$128320.00 10 5.3% $1379.93 First Interstate Bank of California March 17, 2015
$128190.00 7 7.8% $1985.25 Union Bank June 28, 2015

Installment loan for Joel, a graduate of Yale University and a home economics teacher working for over $70,000 per year

Joel, an alumnus at Yale University and a home economics teacher in Palm Springs, California wants a direct loan to purchase a house. Joel has instead chosen to obtain an installment loan for $29,000 and is currently seeking lenders like Citizens State Bank of Santa Paula to process their request.

When Joel was 21, they tried to obtain a student loan from 6 alternate lenders, which damaged their credit rating. Below is a chronology of Joel’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $26,000.00 on April 30, 2010
  • Attempt 2) Loan for $35,000.00 on January 30, 2009
  • Attempt 3) Loan for $20,000.00 on August 25, 2009
  • Attempt 4) Loan for $26,000.00 on November 19, 2010
  • Attempt 5) Loan for $32,000.00 on January 2, 2009
  • Attempt 6) Loan for $37,000.00 on September 15, 2009

Joel has a sad current yearly income, but has a high number of prospects

Joel has always wanted to be a publications editor, but would need attend Yale University again to achieve it. Joel has other prospects as well, including middle school administrator, motion picture director, and biology professor, which pay $53,000 through to $94,000 per year, on average. Because of this, we believe that Joel can pay for this direct loan of $78000.

Personal Loan for a home economics teacher named Joel in Palm Springs, California to Pay Off Lawyers Without Borders Visa Platinum Rewards Card

Joel had a tonne of credit card debt on their Texas Rangers BankAmericard Cash Rewards MasterCard and their Key Bank College Rewards MasterCard, and they were starting to get in over their heads. Despite Joel’s job as a home economics teacher, they struggled to make payments on the $22,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Debt Consolidation Can Assist Any Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans vary from $26,000.00 to $59,000.00. They are typically used to pay off existing high interest loans like credit cards. Joel required a debt consolidation loan to pay for their existing direct loan and their loan shark loan. Joel was able to find a direct loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which changes your dirty, catastrophically high interest loans to a single reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.1%.

Contact Details for Canyon National Bank, the provider of this direct loan

  • Canyon National Bank
  • City: Palm Springs
  • State: California
  • Address: 1711 East Palm Canyon Drive
  • County: Riverside
  • Zip code: 92264

Before applying for this direct loan, Joel had an Experian score of 852, which is excellent, so Canyon National Bank probably cannot provide Joel a direct loan

Experian Score: 852

7 Months in the Past, Joel Attempted to Find a High Risk Loan for $22,000.00, and it was Easy

There is an well known struggle for clients to find high risk loans in a non-harmful manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be physically harmful to borrowers like Joel. Joel decided not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to very low credit individuals. Individuals with credit scores as low as 594 can apply for a high risk loan and possibly can be approved.

Signature Loan acquired in Palm Springs, California for $78000 with excellent credit by Joel

Many prospective borrowers have difficulty with finding signature loans in Palm Springs, California, and Joel is no exception. Joel went to 8 lenders or more before settling on Canyon National Bank, who offered Joel a signature loan for $78000. Most signature loans simply require a client, like Joel’s signature to obtain them, up to $46,000 in some cases. Joel was able to get $78000 as a direct loan, which is very high for a direct loan. Since signature loans don’t need collateral, these loans tend to require improved credit, as high as 782

Client Profile: Joel Willette of Palm Springs, California
  • Full name (Changed if requested): Joel Willette
  • Current Credit: loans.hit.utils.Fico@7106e68e
  • Current City: Palm Springs
  • State: California
  • Zip code: 92266
  • Yearly income: $46,000
  • Current Job: home economics teacher
  • Current County: Riverside
  • Goal Yearly Income: $143,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Fast Loans for Joel in Palm Springs, California to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Palm Springs, California aren’t actually that difficult to obtain, particularly if you have some finesse like Joel. Joel was able to find a fast loan for $78000 from Citizens State Bank of Santa Paula and Southern California First National Bank, but declined both offers in favor of their direct loan from Canyon National Bank. The difference with a fast loan over a debt consolidation loan is in speed. Fast loans normally are processed within 1 – 3 weeks, versus up to 5 weeks for personal loans. Much better in the case that a borrower is in a time sensitive situation.

Joel was declined by Bank of Stockton 6 times prior to being granted funding by Canyon National Bank at 1711 East Palm Canyon Drive

On December 15, 2009, Joel applied about borrowing $17,000 from Bank of Sonoma County with Chelsea, their in law from just outside Palm Springs, and even with the co-signer, Joel was rejected for this direct loan. With excellent credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Joel’s Transunion score was altered by the direct loan loan, changing to 822 from 836, which is typical in our experience.

Transunion Score: 822

Multiple other requests for credit have been made by Joel in the past, including one from Centralia Savings Bank in Palm Springs, California before Joel was approved for the $78000 by Canyon National Bank

Joel made 5 previous tries to obtain a direct loan, 2 of which were with Centralia Savings Bank, a lending institution in Palm Springs, California known to specialize in direct loans specifically. Prior to finding Canyon National Bank, Joel was desperate due to their inexperience and excellent credit score.

Joel’s Overall FICO score at the time of acceptance for a direct loan, taking into account their home economics teacher job and their future job as a publications editor

Fico Score: 836

Paraphrased and Standardized Quote from Joel for this direct loan of $78000, provided by Canyon National Bank

Hi, I am Joel and my hometown is Palm Springs in California. Riverside, county is where I grew up, and now I need a direct loan in California for $78000 to avoid bankruptcy. It has been difficult, but Canyon National Bank really came through for me with this loan for 8.6% interest APR and a term of 22 years. I will repay the loan over the 22 year term, including interest. A big thanks to Canyon National Bank for trusting me and my excellent credit. It look me 7 years to create my credit to 836, and I won’t tarnish it any future. I am pleased with Find Texas Loans for assisting me this far.

Conclusion of Joel’s direct loan

In the end, Joel was able to find a direct loan for $78000 with an interest rate of 11.4% interest APR from Canyon National Bank in Palm Springs, California repayable over 22 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.