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Secured Loan With Very Low APR In San Diego County, California

$160000 Secured Loan – Vista California, Credit Score Of 499

  • Experian: 512 – This individual had a bad Experian rating
  • Transunion: 485 – Holley had a bad credit score with Transunion.
  • Equifax: Holley’s Experian score was 499, which is a bad credit rating with the Experian scale.

Paraphrased and Standardized Quote from Holley for this secured loan of $160000, provided by Vista National Bank

Hello, I am Holley and my hometown is Vista in California. San Diego, county is where I grew up, and now I need a secured loan in California for $160000 to buy a car. It has been difficult, but Vista National Bank really came through for me with this loan for 5.5% interest APR and a term of 15 years. I will repay the loan over the 15 year term, including interest. A big thanks to Vista National Bank for giving me a chance and my bad credit. It look me 9 years to create my credit to 499, and I won’t tarnish it any future. I am happy with Find Texas Loans for helping me this far.

Before applying for this secured loan, Holley had an Experian score of 512, which is bad, so Vista National Bank probably cannot provide Holley a secured loan

Experian Score: 512

Contact Details for Vista National Bank, the provider of this secured loan

  • Vista National Bank
  • City: Vista
  • State: California
  • Address: 820 Williamston Street
  • County: San Diego
  • Zip code: 92083

Holley’s Overall FICO score at the time of acceptance for a secured loan, taking into account their cost estimator job and their future job as a crane operator

Fico Score: 499

Previous requests on Holley’s credit

Principle in USD Term Length in Years Annual Percentage Rate Monthly Payment Lender’s Branch Name Date of Request
$45610.00 5 9.2% $951.22 Santa Monica Bank May 28, 2010
$46430.00 8 9.8% $699.63 Farmers and Merchants Bank of Long Beach May 5, 2014
$46350.00 9 7.5% $591.47 First Interstate Bank of California April 23, 2015
$46360.00 5 9.5% $973.65 Union Bank June 1, 2015
$45760.00 11 7.2% $502.87 Citizens Commercial Trust and Savings Bank of Pasadena July 2, 2015

Fast Loans for Holley in Vista, California to prevent bankruptcy or broken legs from debt collectors.

Fast loans in Vista, California aren’t actually that difficult to obtain, particularly if you have some finesse like Holley. Holley was able to find a fast loan for $160000 from First Trust Bank and U.S. Bank of California, but turned down both offers in favor of their secured loan from Vista National Bank. The difference with a fast loan over a installment loan is in speed. Fast loans typically are processed within 1 – 3 weeks, versus up to 6 weeks for installment loans. A big difference in the case that a client is in a time sensitive situation.

Installment loan for Holley, a graduate of Globe University and a cost estimator working for over $60,000 per year

Holley, an alumnus at Globe University and a cost estimator in Vista, California wants a secured loan to purchase a house. Holley has instead chosen to obtain an installment loan for $1,000 and is at present seeking lenders like Farmers & Merchants Bank of Central California to provide it.

Holley’s Transunion score was changed by the secured loan loan, changing to 485 from 499, which is typical in our experience.

Transunion Score: 485

Debt Consolidation Can Assist Most Deeply Indebted Borrower to Escape Bad Debts like Credit Card Debt

Most debt consolidation loans range from $30,000.00 to $42,000.00. They are normally used to pay off existing high interest loans like credit cards. Holley required a debt consolidation loan to pay for their existing secured loan and their loan shark loan. Holley was able to find a secured loan in the end. Debt consolidation, or simply consolidation, is a tactic in the debt snowball method which transfers your bad, high interest loans to a single lower interest loan. Debt consolidation loans generally have interest rates as low as 4.3%.

When Holley was 20, they attempted to obtain a student loan from 6 alternate banks, which harmed their credit rating. Below is a list of Holley’s previous attempts at finding a student loan:

  • Attempt 1) Loan for $25,000.00 on December 29, 2008
  • Attempt 2) Loan for $33,000.00 on February 8, 2010
  • Attempt 3) Loan for $25,000.00 on December 14, 2009
  • Attempt 4) Loan for $30,000.00 on November 25, 2009
  • Attempt 5) Loan for $23,000.00 on June 15, 2011
  • Attempt 6) Loan for $31,000.00 on October 4, 2013

Personal Loan for a cost estimator named Holley in Vista, California to Pay Off Astoria Bank Business Edition Visa Card

Holley had a lot of credit card debt on their RBC RateAdvantage Visa and their MYPLASH Visa Prepaid Card, and they were starting to get in over their heads. Despite Holley’s job as a cost estimator, they struggled to make payments on the $25,000.00 credit card balance, badly needing assistance in the form of a personal loan.

7 Months Ago, Holley Attempted to Find a High Risk Loan for $31,000.00, and it was Easy

There is an ongoing struggle for borrowers to find high risk loans in a safe manner. a lot of high risk loans end up coming from loan sharks or similar lenders, which can be frightening to borrowers like Holley. Holley decided not to obtain a high risk loan this time. High Risk loans are generally given by lenders to bad credit applicants. Clients with credit ratings as low as 598 can apply for a high risk loan and have a chance to be approved.

Holley was rejected by Security Pacific National Bank 6 times prior to being approved by Vista National Bank at 820 Williamston Street

On June 12, 2011, Holley applied about borrowing $6,000 from Farmers and Merchants Bank of Long Beach with Cherry, their friend from just outside Vista, and even with the co-signer, Holley was rejected for this secured loan. With bad credit, it can be difficult to procure financing, even with collateral and a co-signer.

Client Profile: Holley Diorio of Vista, California
  • Full name (Changed if requested): Holley Diorio
  • Current Credit: loans.hit.utils.Fico@3941a79c
  • Current City: Vista
  • State: California
  • Zip code: 92089
  • Yearly income: $30,000
  • Current Job: cost estimator
  • Current County: San Diego
  • Goal Yearly Income: $135,000
  • Debt (Personal Loan, Credit Card, Payday Loan, etc): $4000

Signature Loan found in Vista, California for $160000 with bad credit by Holley

Many prospective borrowers struggle with finding signature loans in Vista, California, and Holley is the same. Holley went to 8 lenders or more prior to settling on Vista National Bank, who offered Holley a signature loan for $160000. Most signature loans simply require a client, like Holley’s signature to get them, up to $38,000 in some cases. Holley was able to get $160000 as a secured loan, which is very high for a secured loan. Since signature loans do not require a cosigner, they tend to require better credit, as high as 722

Many other requests for credit have been made by Holley in the past, including one from Byron Bank in Vista, California before Holley was accepted for the $160000 by Vista National Bank

Holley made 4 previous attempts to obtain a secured loan, 2 of which were with Byron Bank, a bank in Vista, California known to specialize in secured loans specifically. Before finding Vista National Bank, Holley was very concerned due to their inexperience and bad credit score.

Holley has a disappointing current total income, but has a large amount of prospects

Holley has always wanted to be a crane operator, but would have to attend Globe University again to become one. Holley has other possibilities as well, including nuclear power reactor operator, dietitian and nutritionist, and computer software technician, which pay $56,000 through to $109,000 per year, at least. For this reason, we think that Holley can afford this secured loan of $160000.

Conclusion of Holley’s secured loan

In the end, Holley was able to find a secured loan for $160000 with an interest rate of 8.7% interest APR from Vista National Bank in Vista, California repayable over 15 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.