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Fast Loan For $15000 Near 92130, California With A Credit Score Of 518

$15000 Fast Loan – San Diego California, Credit Rating Of 518

  • Experian: 533 – They had a fair Experian rating
  • Transunion: 499 – Victorina had a fair credit score with Transunion.
  • Equifax: Victorina’s Experian score was 518, which is a fair credit score on the Experian rating scheme.

Paraphrased and Standardized Quote from Victorina for this fast loan of $15000, provided by National Bank of Fairbanks Ranch

Hello, I am Victorina and I am from San Diego in California. San Diego, county is where I grew up, and now I need a fast loan in California for $15000 to pay bills. It has been difficult, but National Bank of Fairbanks Ranch really came through for me with this loan for 7.0% interest APR and a term of 18 years. I will repay the loan over the 18 year term, including interest. A big thanks to National Bank of Fairbanks Ranch for trusting me and my fair credit. It look me 5 years to create my credit to 518, and I won’t tarnish it any more. I’m pleased with Find Texas Loans for assisting me this far.

Victorina was declined by Bank of Stockton 4 times prior to being approved by National Bank of Fairbanks Ranch at 12760 High Bluff, Suite 130

On May 19, 2011, Victorina inquired about borrowing $28,000 from Westamerica Bank with Eleanor, their friend from just outside San Diego, and even with the co-signer, Victorina was rejected for this fast loan. With fair credit, it can be very hard to obtain financing, even with collateral and a co-signer.

Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $20,000.00 to $46,000.00. They are typically used to pay off existing high interest loans like credit cards. Victorina needed a debt consolidation loan to pay for their existing fast loan and their credit card. Victorina was able to find a fast loan in the end. Debt consolidation, or just consolidation, is a tactic in the strategic borrowing method which changes your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates that are low, like 2.8%.

Signature Loan acquired in San Diego, California for $15000 with fair credit by Victorina

Most prospective borrowers struggle with obtaining signature loans in San Diego, California, and Victorina is not an exception. Victorina went to 8 lending institutions or more prior to settling on National Bank of Fairbanks Ranch, who offered Victorina a signature loan for $15000. Most signature loans simply require a client, like Victorina’s signature to get them, up to $21,000 in some cases. Victorina was able to get $15000 as a fast loan, which is very high for a fast loan. Because signature loans do not require collateral, these loans generally require improved credit, as high as 714

Victorina’s Transunion score was changed by the fast loan loan, changing to 499 from 518, which is normal in our experience.

Transunion Score: 499

Victorina’s Overall FICO score at the time of acceptance for a fast loan, taking into account their emergency medical technician job and their future job as a social work professor

Fico Score: 518

Client Profile: Victorina Longest of San Diego, California
  • Full name (Changed if requested): Victorina Longest
  • Current Credit: loans.hit.utils.Fico@1e80bfe8
  • Current City: San Diego
  • State: California
  • Zip code: 92137
  • Yearly income: $52,000
  • Current Job: emergency medical technician
  • Current County: San Diego
  • Goal Yearly Income: $96,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $0

Personal Loan for an emergency medical technician named Victorina in San Diego, California to Pay Off TJ Maxx Credit Card

Victorina had a lot of credit card debt on their NEA Platinum Plus Credit Card with WorldPoint Rewards and their United Airlines Mileage Plus Platinum Business Card, and they were starting to get in over their heads. Despite Victorina’s job as an emergency medical technician, they struggled to make payments on the $28,000.00 credit card balance, badly needing assistance in the form of a personal loan.

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

  • National Bank of Fairbanks Ranch
  • City: San Diego
  • State: California
  • Address: 12760 High Bluff, Suite 130
  • County: San Diego
  • Zip code: 92130

When Victorina was 22, they tried to obtain a student loan from 4 different banks, which damaged their credit score. Below is a list of Victorina’s prior attempts at finding a student loan:

  • Attempt 1) Loan for $37,000.00 on September 9, 2010
  • Attempt 2) Loan for $23,000.00 on December 9, 2012
  • Attempt 3) Loan for $24,000.00 on June 6, 2009
  • Attempt 4) Loan for $33,000.00 on June 24, 2010

Many previous requests for credit have been made by Victorina in the past, including one from American Community Bank in San Diego, California before Victorina was approved for the $15000 by National Bank of Fairbanks Ranch

Victorina made 5 prior attempts to obtain a fast loan, 2 of which were with American Community Bank, a bank in San Diego, California known to specialize in fast loans specifically. Before finding National Bank of Fairbanks Ranch, Victorina was desperate due to their inexperience and fair credit rating.

Installment loan for Victorina, a graduate of SUNY College of Optometry and an emergency medical technician working for over $70,000 per year

Victorina, an alumnus at SUNY College of Optometry and an emergency medical technician in San Diego, California wants a fast loan to purchase a house. Victorina has instead chosen to get an installment loan for $9,000 and is at present seeking lenders like First Northern Bank of Dixon to provide it.

7 Months Ago, Victorina Attempted Finding a High Risk Loan for $29,000.00, and it was Hard

It is an existing struggle for borrowers to get high risk loans in a safe way. Many high risk loans end up originating loan sharks or similar lenders, which can be frightening to borrowers like Victorina. Victorina chose not to get a high risk loan this time. High Risk loans are generally given by lenders to very low credit individuals. Borrowers with credit scores as low as 353 can apply for a high risk loan and have a chance to be approved.

Previous requests on Victorina’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$107380.00 10 5.7% $1176.03 Santa Monica Bank September 2, 2009
$107400.00 8 5.6% $1390.56 Farmers and Merchants Bank of Long Beach April 13, 2012
$107260.00 8 9.8% $1616.25 First Interstate Bank of California January 9, 2014
$107110.00 9 6.7% $1323.33 Union Bank March 22, 2014

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

Fast loans in San Diego, California aren’t actually that difficult to obtain, especially if you have some finesse like Victorina. Victorina was able to find a fast loan for $15000 from Farmers & Merchants Bank of Central California and Farmers & Merchants Bank of Central California, but declined both offers in favor of their fast loan from National Bank of Fairbanks Ranch. 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 5 weeks for installment loans. A big difference in the case that a client is on the go.

Before applying for this fast loan, Victorina had an Experian score of 533, which is fair, so National Bank of Fairbanks Ranch probably cannot provide Victorina a fast loan

Experian Score: 533

Victorina has a low current yearly income, but has a high number of prospects

Victorina has always wanted to be a social work professor, but would have to attend SUNY College of Optometry again to achieve it. Victorina has other prospects as well, including corporation lawyer, mine cutting machine operator, and massage therapist, which pay $58,000 through to $106,000 per year, on average. For this reason, we think that Victorina can pay for this fast loan of $15000.

Conclusion of Victorina’s fast loan

In the end, Victorina was able to find a fast loan for $15000 with an interest rate of 7.7% interest APR from National Bank of Fairbanks Ranch in San Diego, California repayable over 18 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.