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Direct Loan With Very Low APR In Los Angeles County, California

$6000 Direct Loan – Wilmington California, Credit Rating Of 336

  • Experian: 350 – The client had a terrible Experian rating
  • Transunion: 320 – Wilber had a terrible credit score with Transunion.
  • Equifax: Wilber’s Experian score was 336, which is a terrible credit score on the Experian scale.

Contact Details for Westco Savings Bank, FSB, the provider of this direct loan

  • Westco Savings Bank, FSB
  • City: Wilmington
  • State: California
  • Address: 1000 No Avalon Blvd
  • County: Los Angeles
  • Zip code: 90744

Installment loan for Wilber, a graduate of University of Puerto Rico – Carolina and a broker’s floor representative working for over $74,000 per year

Wilber, an alumnus at University of Puerto Rico – Carolina and a broker’s floor representative in Wilmington, California needs a direct loan to purchase a car. Wilber has instead chosen to get an installment loan for $26,000 and is at present seeking lenders like U.S. Bank of California to provide it.

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

Average 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. Wilber needed a debt consolidation loan to pay for their existing direct loan and their credit card. Wilber was able to find a direct loan in the end. Debt consolidation, or just consolidation, is a technique in the strategic borrowing method which transfers your bad, catastrophically high interest loans to a single lower interest loan. Debt consolidation loans usually have interest rates as low as 4.1%.

When Wilber was 18, they attempted to obtain a student loan from 4 alternate lenders, which damaged their credit rating. Below is a list of Wilber’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $35,000.00 on January 17, 2009
  • Attempt 2) Loan for $25,000.00 on June 8, 2011
  • Attempt 3) Loan for $37,000.00 on December 10, 2011
  • Attempt 4) Loan for $32,000.00 on March 1, 2012

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

Wilber has always wanted to be a truck driver, but would need attend University of Puerto Rico – Carolina again to become one. Wilber has other prospects as well, including adjustment clerk, telecommunications maintenance worker, and town clerk, which pay $51,000 through to $94,000 per year, at least. Because of this, we think that Wilber can pay for this direct loan of $6000.

Client Profile: Wilber Vanes of Wilmington, California
  • Full name (Changed if requested): Wilber Vanes
  • Current Credit: loans.hit.utils.Fico@5910e440
  • Current City: Wilmington
  • State: California
  • Zip code: 90750
  • Yearly income: $53,000
  • Current Job: broker’s floor representative
  • Current County: Los Angeles
  • Goal Yearly Income: $83,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $5000

Paraphrased and Standardized Quote from Wilber for this direct loan of $6000, provided by Westco Savings Bank, FSB

Hi, I am Wilber and my hometown is Wilmington in California. Los Angeles, county is where I grew up, and now I need a direct loan in California for $6000 to buy a big ticket item. It has been difficult, but Westco Savings Bank, FSB really came through for me with this loan for 7.1% interest APR and a term of 4 years. I can probably repay the loan over the 4 year term, including interest. A big thanks to Westco Savings Bank, FSB for giving me a chance and my terrible credit. It look me 9 years to build my credit to 336, and I won’t harm it any more. I’m pleased with Find Texas Loans for helping me this far.

Wilber was not approved by Beverly Hills National Bank 5 times before being approved by Westco Savings Bank, FSB at 1000 No Avalon Blvd

On March 6, 2010, Wilber applied about borrowing $15,000 from Citizens Bank of Roseville with Dan, their in law from just outside Wilmington, and even with the co-signer, Wilber was rejected for this direct loan. With terrible credit, it can be very hard to obtain financing, even with collateral and a co-signer.

7 Months Ago, Wilber Attempted Finding a High Risk Loan for $24,000.00, but They Didn’t Find What They were Expecting

It is an existing 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 Wilber. Wilber decided not to obtain a high risk loan this time. High Risk loans are the instrument of choice, and are given to terrible credit applicants. Borrowers with credit ratings as low as 329 can inquire for a high risk loan and have a chance to be accepted.

Wilber’s Transunion score was changed by the direct loan loan, changing to 320 from 336, which is typical in our experience.

Transunion Score: 320

Before applying for this direct loan, Wilber had an Experian score of 350, which is terrible, so Westco Savings Bank, FSB likely cannot provide Wilber a direct loan

Experian Score: 350

Personal Loan for a broker’s floor representative named Wilber in Wilmington, California to Pay Off Susan G. Komen Pink Ribbon Cash Rewards BankAmericard

Wilber had a tonne of credit card debt on their Club Carlson Premier Rewards Visa Signature Card and their Plum Card, and they were starting to get in over their heads. Despite Wilber’s job as a broker’s floor representative, they struggled to make payments on the $26,000.00 credit card balance, desperately needing assistance in the form of a personal loan.

Wilber’s Overall FICO score at the time of acceptance for a direct loan, taking into account their broker’s floor representative job and their future career as a truck driver

Fico Score: 336

Previous requests on Wilber’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$66190.00 10 11.3% $923.04 Santa Monica Bank November 8, 2012
$66120.00 7 7.8% $1023.98 Farmers and Merchants Bank of Long Beach March 12, 2014
$66390.00 9 9.8% $927.51 First Interstate Bank of California December 10, 2014
$66350.00 9 8.7% $888.06 Union Bank May 25, 2015
$65890.00 3 9.4% $2107.57 Citizens Commercial Trust and Savings Bank of Pasadena May 27, 2015

Many other requests for credit have been made by Wilber in the past, including one from First State Bank and Trust Company in Wilmington, California before Wilber was accepted for the $6000 by Westco Savings Bank, FSB

Wilber made 8 prior attempts to obtain a direct loan, 2 of which were with First State Bank and Trust Company, a lender in Wilmington, California known to specialize in direct loans specifically. Prior to finding Westco Savings Bank, FSB, Wilber was very concerned due to their inexperience and terrible credit score.

Fast Loans for Wilber in Wilmington, California to prevent bankruptcy or bodily harm from debt collectors.

Fast loans in Wilmington, California aren’t actually that difficult to obtain, especially if you have some gumption like Wilber. Wilber was able to find a fast loan for $6000 from Mechanics Bank and Citizens Commercial Trust and Savings Bank of Pasadena, but turned down both offers in favor of their direct loan from Westco Savings Bank, FSB. The improvement with a fast loan over a personal loan is in speed. Fast loans usually are processed within 1 – 3 weeks, versus up to 7 weeks for personal loans. A big difference in the case that you are in a pinch.

Signature Loan acquired in Wilmington, California for $6000 with terrible credit by Wilber

Many prospective borrowers struggle with finding signature loans in Wilmington, California, and Wilber is the same. Wilber went to 4 lending institutions or more before settling on Westco Savings Bank, FSB, who offered Wilber a signature loan for $6000. Most signature loans simply need a client, like Wilber’s signature to get them, up to $39,000 in some cases. Wilber was able to get $6000 as a direct loan, which is very high for a direct loan. Since signature loans don’t require collateral, they tend to require higher credit, as high as 757

Conclusion of Wilber’s direct loan

In the end, Wilber was able to find a direct loan for $6000 with an interest rate of 10.1% interest APR from Westco Savings Bank, FSB in Wilmington, California repayable over 4 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.