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Emergency Loan With Low APR In San Diego County, California

$21000 Emergency Loan – San Diego California, Credit Score Of 498

  • Experian: 512 – They had a bad Experian rating
  • Transunion: 481 – Ka had a bad credit rating with Transunion.
  • Equifax: Ka’s Experian score was 498, which is a bad credit rating on the Experian scale.

When Ka was 21, they attempted to obtain a student loan from 7 different lenders, which damaged their credit rating. Below is a chronology of Ka’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $30,000.00 on February 25, 2010
  • Attempt 2) Loan for $39,000.00 on March 21, 2010
  • Attempt 3) Loan for $22,000.00 on September 23, 2010
  • Attempt 4) Loan for $23,000.00 on April 15, 2009
  • Attempt 5) Loan for $21,000.00 on August 15, 2010
  • Attempt 6) Loan for $21,000.00 on February 22, 2010
  • Attempt 7) Loan for $29,000.00 on August 24, 2012

7 Months in the Past, Ka Tried to Find a High Risk Loan for $44,000.00, and it was Hard

It is an ongoing struggle for clients to get high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Ka. Ka chose not to get a high risk loan this time. High Risk loans are the instrument of choice, and are given to bad credit individuals. Borrowers with credit ratings as low as 377 can apply for a high risk loan and possibly can be accepted.

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

Fast loans in San Diego, California aren’t actually that difficult to obtain, especially if you have some finesse like Ka. Ka was able to find a fast loan for $21000 from Beverly Hills National Bank and Citizens Bank of Roseville, but declined both offers in favor of their emergency loan from National Bank of Fairbanks Ranch. 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 personal loans. Much better in the case that a client is on the go.

Contact Details for National Bank of Fairbanks Ranch, the provider of this emergency loan

  • National Bank of Fairbanks Ranch
  • City: San Diego
  • State: California
  • Address: 12760 High Bluff, Suite 130
  • County: San Diego
  • Zip code: 92130
Client Profile: Ka Calnimptewa of San Diego, California
  • Full name (Changed if requested): Ka Calnimptewa
  • Current Credit: loans.hit.utils.Fico@7cd84586
  • Current City: San Diego
  • State: California
  • Zip code: 92137
  • Yearly income: $40,000
  • Current Job: fire prevention engineer
  • Current County: San Diego
  • Goal Yearly Income: $80,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $7000

Previous requests on Ka’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$36900.00 9 8.2% $484.22 Santa Monica Bank March 3, 2012
$37290.00 7 9.6% $611.38 Farmers and Merchants Bank of Long Beach March 22, 2013
$37350.00 10 8.5% $463.09 First Interstate Bank of California October 1, 2013
$36870.00 11 9.3% $447.13 Union Bank May 14, 2014

Ka has a disappointing current total income, but has a high number of prospects

Ka has always wanted to be a glass blower, but would need attend Strayer University again to become one. Ka has other possibilities as well, including nurse practitioner, electronic drafter, and retail store manager, which pay $50,000 through to $99,000 per year, at least. For this reason, we believe that Ka can pay for this emergency loan of $21000.

Paraphrased and Standardized Quote from Ka for this emergency loan of $21000, provided by National Bank of Fairbanks Ranch

Hi, I am Ka and I’m from San Diego in California. San Diego, county is where I grew up, and now I need a emergency loan in California for $21000 to buy a big ticket item. It has been difficult, but National Bank of Fairbanks Ranch really came through for me with this loan for 11.0% interest APR and a term of 11 years. I can probably repay the loan over the 11 year term, including interest. A big thanks to National Bank of Fairbanks Ranch for trusting me and my bad credit. It look me 7 years to build my credit to 498, and I won’t tarnish it any more. I am pleased with Find Texas Loans for assisting me this far.

Before applying for this emergency loan, Ka had an Experian score of 512, which is bad, so National Bank of Fairbanks Ranch likely cannot provide Ka an emergency loan

Experian Score: 512

Multiple previous requests for credit have been made by Ka in the past, including one from Mission Hills Bank, National Association in San Diego, California before Ka was approved for the $21000 by National Bank of Fairbanks Ranch

Ka made 6 prior attempts to obtain an emergency loan, 2 of which were with Mission Hills Bank, National Association, a bank in San Diego, California known to specialize in emergency loans specifically. Prior to finding National Bank of Fairbanks Ranch, Ka was very concerned due to their inexperience and bad credit rating.

Ka’s Transunion score was changed by the emergency loan loan, changing to 481 from 498, which is typical in our experience.

Transunion Score: 481

Debt Consolidation Can Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans

Normal debt consolidation loans range from $39,000.00 to $53,000.00. They are mainly used to pay off existing high interest loans like credit cards. Ka required a debt consolidation loan to pay for their existing emergency loan and their loan shark loan. Ka was able to find a emergency loan in the end. Debt consolidation, or just 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 usually have interest rates that are low, like 2.7%.

Signature Loan found in San Diego, California for $21000 with bad credit by Ka

Many clients struggle with finding signature loans in San Diego, California, and Ka is no exception. Ka went to 5 lending institutions or more prior to settling on National Bank of Fairbanks Ranch, who offered Ka a signature loan for $21000. Typical signature loans simply require a client, like Ka’s signature to get them, up to $40,000 in some cases. Ka was able to get $21000 as a emergency loan, which is very high for an emergency loan. Because signature loans don’t need a cosigner, these loans generally require improved credit, as high as 728

Installment loan for Ka, a graduate of Strayer University and a fire prevention engineer working for over $67,000 per year

Ka, an alumnus at Strayer University and a fire prevention engineer in San Diego, California needs an emergency loan to purchase something frivolous. Ka has instead decided to obtain an installment loan for $26,000 and is currently seeking lenders like United States National Bank to process their request.

Ka was rejected by Santa Monica Bank 6 times before being approved by National Bank of Fairbanks Ranch at 12760 High Bluff, Suite 130

On February 8, 2011, Ka applied about borrowing $4,000 from Wells Fargo Bank, National Association with Tricia, their friend from just outside San Diego, and even with the co-signer, Ka was rejected for this emergency loan. With bad credit, it can be challenging to obtain financing, even with collateral and a co-signer.

Ka’s Overall FICO score at the time of acceptance for an emergency loan, taking into account their fire prevention engineer job and their future job as a glass blower

Fico Score: 498

Personal Loan for a fire prevention engineer named Ka in San Diego, California to Pay Off Amway Global Visa Credit Card

Ka had a tonne of credit card debt on their Agriculture Federal Credit Union Secured Visa Classic and their Military Star Rewards MasterCard, and they were starting to get in over their heads. Despite Ka’s job as a fire prevention engineer, they struggled to make payments on the $26,000.00 credit card balance, badly needing assistance in the form of a personal loan.

Conclusion of Ka’s emergency loan

In the end, Ka was able to find an emergency loan for $21000 with an interest rate of 8.1% interest APR from National Bank of Fairbanks Ranch in San Diego, California repayable over 11 years from today.

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.