$92000 Quick Loan – Redlands California, Credit Score Of 491
- Experian: 509 – They had a bad Experian rating
- Transunion: 478 – Keiko had a bad credit score with Transunion.
- Equifax: Keiko’s Experian score was 491, which is a bad credit rating using the Experian system.
9 Months Ago, Keiko Tried Finding a High Risk Loan for $26,000.00, and it was Hard
There is an well known struggle for clients to find high risk loans in a non-harmful way. Many high risk loans end up originating loan sharks or the like, which can be frightening to borrowers like Keiko. Keiko decided not to get a high risk loan this time. High Risk loans are given to terrible credit individuals. Clients with credit scores as low as 439 can inquire for a high risk loan and possibly can be accepted.
Contact Details for Redlands Federal Bank, F.S.B., the provider of this quick loan
- Redlands Federal Bank, F.S.B.
- City: Redlands
- State: California
- Address: 300 East State Street
- County: San Bernardino
- Zip code: 92373
Installment loan for Keiko, a graduate of Language On and a high school administrator working for over $71,000 per year
Keiko, an alumnus at Language On and a high school administrator in Redlands, California needs a quick loan to purchase a new cell phone. Keiko has instead decided to get an installment loan for $29,000 and is at present seeking lenders like First Interstate Bank of California to process their request.
Fast Loans for Keiko in Redlands, California to prevent bankruptcy or broken legs from debt collectors.
Fast loans in Redlands, California aren’t actually that difficult to obtain, particularly if you have some finesse like Keiko. Keiko was able to find a fast loan for $92000 from Santa Monica Bank and The Merchants National Bank of Sacramento, but turned down both offers in favor of their quick loan from Redlands Federal Bank, F.S.B.. 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 7 weeks for installment loans. Much better if a borrower is in a time sensitive situation.
Before applying for this quick loan, Keiko had an Experian score of 509, which is bad, so Redlands Federal Bank, F.S.B. most likely cannot provide Keiko a quick loan
Many other requests for credit have been made by Keiko in the past, including one from Bank One, Wapakoneta, National Association in Redlands, California before Keiko was approved for the $92000 by Redlands Federal Bank, F.S.B.
Keiko made 5 previous tries to obtain a quick loan, 2 of which were with Bank One, Wapakoneta, National Association, a lending institution in Redlands, California known to specialize in quick loans specifically. Prior to finding Redlands Federal Bank, F.S.B., Keiko was concerned due to their inexperience and bad credit rating.
Previous requests on Keiko’s credit
|Principle in USD||Term Length in Years||Annual Percentage Rate||Monthly Payment||Lender’s Branch Name||Date of Request|
|$54250.00||9||7.4%||$689.51||Santa Monica Bank||May 21, 2012|
|$53880.00||4||9.6%||$1356.21||Farmers and Merchants Bank of Long Beach||April 29, 2013|
|$53880.00||6||5.3%||$875.25||First Interstate Bank of California||September 12, 2013|
|$53710.00||10||9.3%||$689.13||Union Bank||November 28, 2014|
When Keiko was 18, they attempted to obtain a student loan from 5 alternate lenders, which harmed their credit rating. Below is a chronology of Keiko’s prior attempts at finding a student loan:
- Attempt 1) Loan for $38,000.00 on July 6, 2010
- Attempt 2) Loan for $28,000.00 on May 11, 2012
- Attempt 3) Loan for $37,000.00 on June 16, 2011
- Attempt 4) Loan for $21,000.00 on January 1, 2011
- Attempt 5) Loan for $23,000.00 on June 6, 2009
Personal Loan for a high school administrator named Keiko in Redlands, California to Pay Off REI Visa Credit Card
Keiko had a tonne of credit card debt on their Taleris Credit Union Visa Signature Card and their RCI Elite Rewards MasterCard, and they were starting to get in over their heads. Despite Keiko’s job as a high school administrator, they struggled to make payments on the $27,000.00 credit card balance, badly needing assistance in the form of a personal loan.
Keiko’s Transunion score was changed by the quick loan loan, changing to 478 from 491, which is typical in our experience.
Keiko was rejected by Mechanics Bank 6 times before being granted funding by Redlands Federal Bank, F.S.B. at 300 East State Street
On March 18, 2012, Keiko inquired about borrowing $27,000 from Farmers and Merchants Bank of Long Beach with Nyla, their friend from just outside Redlands, and even with the co-signer, Keiko was rejected for this quick loan. With bad credit, it can be very hard to obtain funding, even with collateral and a co-signer.
Keiko has a sad current total income, but has a high number of prospects
Keiko has always wanted to be a petroleum laboratory assistant, but would need attend Language On again to become one. Keiko has other prospects as well, including photo-optics technician, farm hand, and new accounts clerk, which pay $54,000 through to $102,000 per year, at least. Because of this, we believe that Keiko can pay for this quick loan of $92000.
Signature Loan easily acquired in Redlands, California for $92000 with bad credit by Keiko
Most prospective borrowers struggle with finding signature loans in Redlands, California, and Keiko is the same. Keiko went to 4 lending institutions or more prior to settling on Redlands Federal Bank, F.S.B., who offered Keiko a signature loan for $92000. Most signature loans simply require a client, like Keiko’s signature to get them, up to $29,000 in some cases. Keiko was able to get $92000 as a quick loan, which is very high for a quick loan. Because signature loans do not require a cosigner, these loans tend to require better credit, as high as 709
Debt Consolidation Will Assist Most Highly Indebted Borrower to Escape Bad Debts like Payday Loans
Normal debt consolidation loans vary from $29,000.00 to $41,000.00. They are typically used to pay off existing high interest loans like credit cards. Keiko needed a debt consolidation loan to pay for their existing quick loan and their payday loan. Keiko was able to find a quick loan in the end. Debt consolidation, or simply consolidation, is a technique in the strategic borrowing method which converts your less desirable, high interest loans to one reduced interest loan. Debt consolidation loans usually have interest rates as low as 4.2%.
Paraphrased and Standardized Quote from Keiko for this quick loan of $92000, provided by Redlands Federal Bank, F.S.B.
Hello, I am Keiko and I am from Redlands in California. San Bernardino, county is where I grew up, and now I need a quick loan in California for $92000 to buy a car. It wasn’t easy, but Redlands Federal Bank, F.S.B. really came through for me with this loan for 8.8% interest APR and a term of 17 years. I can repay the loan over the 17 year term, including interest. A big thanks to Redlands Federal Bank, F.S.B. for trusting me and my bad credit. It look me 8 years to create my credit to 491, and I won’t harm it any future. I’m pleased with Find Texas Loans for helping me this far.
Keiko’s Overall FICO score at the time of acceptance for a quick loan, taking into account their high school administrator job and their future job as a petroleum laboratory assistant
- Full name (Changed if requested): Keiko Corse
- Current Credit: loans.hit.utils.Fico@312b1dae
- Current City: Redlands
- State: California
- Zip code: 92381
- Yearly income: $39,000
- Current Job: high school administrator
- Current County: San Bernardino
- Goal Yearly Income: $142,000
- Debt (Personal Loan, Credit Card, Payday Loan, etc): $6000
Conclusion of Keiko’s quick loan
In the end, Keiko was able to find a quick loan for $92000 with an interest rate of 7.6% interest APR from Redlands Federal Bank, F.S.B. in Redlands, California repayable over 17 years from now.